GMHBA Health Insurance

I've been with GMHBA since I was 30 im now 70. I was having few financial issues and rep from GMHBA said he would suspend the cover for 3 years and I can reboot cover no waiting periods etc. Well the person I spoke to said I couldn't do that and I'd have to start a whole new cover but with waiting periods etc. I don't have any medical issues, it's… Read more

just the public health service in Albury is abysmal and scary. My 90 yo mother had to wait over 3 hours in ED to even see a Dr. She died 6 weeks later of bowel Ca. Therefore im going elsewhere. Im not letting GMHBA push me around. They can get stuffed.

Their coverage is good have competitive prices, they are reasonable, but customer service is pathetic. I forgot the name of the rep who i spoke with, she qas dumb, rude and definitely should be terminated. I asked her a question and she aaid i dont know we are busy. I said you think i m free? Who wasted 1.5 hours on hold just to speak with… Read more

someone. And ahe hung up on me, i canceled my services bcz of her, n not at all returing, no matter what. Just bcz of her 1 star to the company and loss if 18 members. Cheers!!

Do not touch gmhba . I have hours apon hours to try and get hold of the. To no avail . They have turned off the message app . And the complaints department is the same department that you can't get hold of anyone ! I have been with them for many years and will now find someone that can answer a phone . Kylie Show details

TERRIBLE customer support...Closed my account in June 2025, as not competitive, they illegally deducted a $4000 plus premium in July and have failed to refund despite 9 phone calls and 6 emails. Completely useless support and have lied in every phone call and email. I can only be thankful I didn't need to make a claim. Show details

We are on Silver Premium Plus, and have been with GMHBA for many years. GMHBA’s extras cover at this cover level is clearly superior to BUPA and most of the other big brands… higher payouts and less tricky sub-limits. My wife and I are over 60 and have unfortunately needed a total of four hip replacements, plus one other major surgery and some… Read more ·  1

critical dental work… all since 2019. GMHBA level of cover was very good, and the hospital claims were all straightforward.

Some people have reported issues with using the GMHBA website. However, I have had no problems submitting online claims e.g. Ambulance cover (Victoria) and other manual claims. I find their online claims history very easy to navigate. And their Fact Sheet and accompanying information is relatively clear.

When I have rarely had to contact phone support, the staff have been knowledgable and able to resolve my issue on the first call. (Unlike Telstra, the banks, Centrelink etc etc).

It is true that health insurance is extremely expensive, and no fund is perfect. But I would rather be with GMHBA than other providers.

I have had several friends and relatives well over 60 that thought they could get away without hospital cover, or cover that did not include “joint replacement”. When their hips went, they all had to hobble around for two years waiting for the public system, or nearly as long to upgrade their level of cover and go private. One could not wait for surgery and had to pay fully for a double hip replacement and was out of pocket by about $40,000.

So many people over 65 now require hip and knee replacements. I recommend that anyone over 60 has hospital cover that includes “joint REPLACEMENT” as a minimum. Extras cover is not critical.

I’m new to private health insurance and gained many quotes before calling GMHBA. Spoke to Harrison M and was very pleasantly surprised about how personable he was, and it was immediately clear that he actually cared about supporting my personal situation. He proactively explained what products / extras I would need, to ensure I had the best cover.… Read more ·  1

This was in stark contrast to all of the other (big name) companies that I received quotes from where I felt like ‘just another number’. Harrison also suggested that I double check exactly what I needed in terms of rehabilitation before taking out cover. I’m very grateful to him for his thoroughness and it’s such a weight off my mind now that I have my cover and extras sorted. The option to cover for different levels of extras cover was an added bonus and in the end was one of the reasons that I went ahead with GMHBA. The other reason I went ahead was how confident Harrison made me feel about the cover he was suggesting. Thank you so much for helping me through a very stressful and complex time!

'Not for Profit', Excellent Service and Partners with Convenient Medical Services – We have been members of GMHBA since we changed from another provider back around 1996. We felt the other company let us down badly and a friend recommended this Geelong based company as an alternative. It was a huge eye-opener back then as GMHBA's personal service was so different from the big company and at the end of each year, we got a cash… Read more

bonus for our good health (non-use of certain categories, rewards for being healthy). We lived overseas for a while, so suspended GMHBA till we returned and they helped us through the entire renewal process with no hassles and a lot of personal phone service. Nice manner from the service chap and it is always like that. Their training must be very diligent. Our only regret is that they don't allow us at our advanced age to opt out of anything to do with childbirth, quitting smoking and other services we don't use. We are very healthy and would love some discounts on decent sneakers, a swimming club for instance, instead of inappropriate options. I like the fact that they don't waste money on branches as everything can be done digitally. Claims are easy, fast and if I have any queries, they are answered very fast with little hanging on a phone line and certainly never any handing off of the call to other workers. Plus the call centres have always been local and let's hope it stays that way as I cannot stand dealing with overseas call centres. While I understand that insurance is a shared liability across many age groups, it would be nice if they introduced an option for mostly healthy oldies, and if they do, I'll give them 5 stars!

I wanted to review our current private health insurance and was told by a friend to look at GMHBA. Harrison answered my call and after a short time discussing my needs with him I was able to make a decision to move across to GMHBA. His knowledge of policy F and B was great, his advice sound, and his manner relaxed and easy going. Recommended highly Show details

Phoned to make some queries about a PHI package I was looking at. Spoke with Harrison who was able to answer all my questions quickly and easily. Provided additional information that was helpful to know. Ensured the policy I've chosen was best suited to my family. Many thanks Harrison. Show details ·  1

Great Service – long time member for Extras cover - always been a great service with prompt refunds, easy to use app and excellent customer service. Called them today to upgrade my cover to get a higher dental refund and was treated with respect, courtesy and patience when I asked them to change a couple of things after they had already processed my request for… Read more ·  1

the upgrade. The upgrade was effective straight away as my limits remained the same, and I walked out of the dentist's surgery relieved that I saved so much now.

Their call wait times are currently horrid. They have turned off their online chat assistant feature. Eventually I got through after 3 failed call attempts waiting for hours on hold. You should all do a policy review. I discovered I was on a grandfathered plan at $2000 pa, but they had a newer plan same inclusions for $1605 pa. They should be… Read more

advising all of their members that have been with them for a longish time about the existence of newer plans at cheaper rates. They may claim it's the customer's responsibility to check - I say no, as a customer centric organisation it's your responsibility to ensure your existing members are getting the best deal. I complained about this and they offered me 6 weeks extra for free. I'd highly recommend everyone ask for the same kind of deal or else threaten to walk!

GMHBA claims a commitment to customer service. I don't think so. Waited 55 minutes on the phone last week and 20 minutes this week and gave up. Tiresome to listen to the continual self promotion. Visited the local shop front , but no wiser as the person was reading from the website. Still unable to clarify a situation which is becoming urgent. Show details

I have not had a problem with GMHBA until recently, when I purchased a blood pressure monitor and made a claim with them on my extras cover, and wow, I sent them the Drs letter to conform I needed one for my high blood pressure and I also sent them the receipt from the chemist I bought it from, but NO the receipt is not good enough, have no idea… Read more

why, the receipt is ok for taxation purposes but not for my claim for my blood pressure monitor, so I am feeling ripped off by them, they have all the proof they need but they just want to make it impossible so they don't have to pay out , so beware of the hoops they make you jump thru when claiming on their extras, I will be cancelling my extras with them Max

After 15 years as a GMHBA member, my experience has deteriorated significantly. I can no longer log into the online portal or app, which means I cannot make claims digitally. Repeated calls to the call center have not resolved the technical issue. I was eventually advised to submit claims via email. The claims sent via email have been ignored.… Read more

Furthermore, I was asked to put sensitive personal information (DOB, address, etc.) in the body of an unsecure email for processing. This contradicts GMHBA’s own advice regarding data security, which seems particularly contradictory given the recent rollout of an authenticator for app security. The inability to securely and reliably process claims, coupled with the lack of resolution from the call center, is unacceptable. I am very unhappy with the current service and will be looking for a new health insurer.

Had been a happy GMHBA Silver plus hospital only policy holder who paid in advance annually. Phoned to add extras and asked if they would waiver waiting periods as per the promotion for new members who take out the same policy as acknowledgment of our ongoing patronage. This was denied, the person I spoke to also refused to take it to her manager… Read more

for review. As a result we have moved to another health fund who were able to provide the same policy cheaper and waiver all waiting periods. GMHBA puts a lot of effort into new customers but little care or acknowledgement to those that try to remain loyal.

Staff are rude to talk to on the phone. The don't return emails and requests. They don't pay out claims, I have been trying to get my ambulance ride claimed since February and it is now July, in the end I paid for it and now I am out of pocket $800. They don't reply to my claims and when they do it is not helpful and they make you jump through… Read more

hoops and I dont even understand what they want me to do. SPELL IT OUT, why make it so hard with copy and paste mumbo jumbo? As for my travel and motel expenses I am entitled too, sent them all the relevant information and still have not received my refund. So now I have moved on to another healthcare fund that not only offers more but makes claiming so much easier and covers the GAP.

I have just recently changed from GMHBA to ahm after 10 years ( too long) and have been offered a much better deal, paying less and better refunds for extras. They refunded the portion of my premium and just credited my bank without any explanation of the number of days credited. Not happy with their service. Show details

Gone to the dogs – This company has gone to the dogs. An absolute disgrace of an orgaisation. I rang up and wished/offered to pay arrears. Alex the manager advised not a chance and we wouldnt be offering that particular payment. A Its the way someone talks to you. Alex show some compassion an absolute pig of a person indicative of GMHBA as an organisation at the… Read more

moment. I joined when it was an no name no profit local organisation which i chose to support. Sadly prospective members it may be an idea to chose elsewhere.

No communication, won't let me cancel – I have been trying to contact them for over a week to cancel within the cooling off period. ever since advising them I intend to cancel, I can't sign into my app. I can't log into the members portal on the website. The online chat tool isn't working. I have left five voicemails and sent multiple emails. No one is answering the phones. I urgently need this cancelled and no one will respond and I can't get through to anyone. Show details

Awful gmhba – Complete fraud gmhba … disgusting services noone knows anything , awful supervisors awful system. Go to other insurance companies Bupa/ Medibank and heaps other in Market but not gmhba. Show details

Bad experience – What a joke their app is. I can’t even log in with email. Tried everything, and even rang the useless 1300 number. No help whatsoever. My poor mum is 83 and unable to read print anymore, so I tried on her behalf, but bc I’m not ‘nominated’ or something, they’re unable to help - in any way!!!!!! How pathetic. Deleted the app faster than a New York minute. I’m so sick of useless companies like these that just pass the buck at every turn. AVOID. Show details

Rip offs – I had been a member for over 25 years and had made only a few claims. I needed to have major dental treatment done so I contacted GMHBA to increase my level of cover. I was told that I had to wait 12 months before I could start any treatment, that’s 12 months of paying at the higher level before anything was done. Plus, I required bilateral total… Read more

knee replacements and wanted to go through the private system. After finding out the costs that I would be paying I went through the public system and didn’t fork out a cent. I only had to wait 6 weeks for a bed. GMHBA do not care about their policy holders at all.

Dreadful experience with GMHBA – Changed from our health cover of 30 years to GMHBA what a nightmare. They didn't get one thing right - not even our contact details. No one at GMHBA wants to or can fix anything. You get told over and over 'there's nothing I can do' or the good old 'it's another department' . Stuffed up our transfer even though we carefully explained the… Read more

situation, we paid a months cover but at no time during that month did they actually give us any cover and kept telling us we couldn't use the cover yet - how is that even legal. - how can they charge for something they aren’t yet providing? staff couldn’t even be bothered to ring back to let us know when it’s sorted - they say we have to keep ringing them. They won't sort anything out when there is a problem and just dont care. Dreadful Dreadful company. We have left. They were an expensive mistake.

I needed help and got pre existing condition – I needed help and support and received nothing but process to determine how my condition could be classed as pre existing condition If I had known that I would have stayed where I was . Show details