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News 07.04.26: Health insurance premiums increased by an average of 4.41% from 1 April 2026. The largest rise in nearly a decade. Read more at https://www.theguardian.com/australia-news/2026/feb/19/australian-private-health-insurance-premiums-increase-will-policies-deliver-cost-more.
Showing prices for:
  • Single
  • NSW
  • Age 30
  • Base Rebate
  • $500 Excess
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GMHBA Health Insurance Review 2026

Compare 96 GMHBA Health policies. Prices shown for: Single, NSW, Age 30, $500 excess.

GMHBA Health Insurance - Quick Facts

Policies96
From$54.20/mo
Founded1934
Customer reviews
3 stars/ 36 reviews
Good Service Record
Based on 54 complaints  |  Oct 2024 – Sep 2025Ombudsman data from GMHBA Health.

Prices reflect your profile settings (Single, NSW, Age 30, $500 excess). Policy information from PrivateHealth.gov.au (2 August 2026). Reviews from ProductReview.com.au (January 2026). Not affiliated with GMHBA Health.

Ready to compare?

See all 96 GMHBA Health policies side-by-side with personalised pricing.

Prices reflect your profile settings (Single, NSW, Age 30, $500 excess). Policy information from PrivateHealth.gov.au (February 2026). Reviews from ProductReview.com.au (January 2026). Not affiliated with GMHBA Health.

Explore GMHBA Health Policies

GMHBA Health offers 96 health insurance policies across three coverage types. Prices shown are for Single, NSW, Age 30, $500 excess.

Hospital Cover

36 policies covering private hospital treatment, from $54.20* per month. Ranges from Basic tier (lowest coverage, avoid Medicare Levy Surcharge) to Gold tier (highest coverage, most treatments included).

36 policies available
From:$54.2/mo*
*For Single
View Policies

Extras Cover

60 policies covering general treatment (dental, optical, physio, etc.), from $27.50* per month. Extras policies help reduce out-of-pocket costs for everyday health services not covered by Medicare.

60 policies available
From:$27.5/mo*
*For Single
View Policies

Combined Cover

No combined policies currently available from GMHBA.

0 policies available
From:$0/mo*
*For Single
View Policies
Policy Name
Type
Tier
Price*
Hospital
Extras
GMHBA Gold Optimum
Hospital
Gold
$221.15
-
GMHBA Silver Plus Hospital
Hospital
Silver+
$87.50
-
GMHBA Bronze Plus Core Hospital
Hospital
Bronze+
$81.23
-
GMHBA Basic Plus Starter Hospital
Hospital
Basic+
$65.95
-
GMHBA Accident Only Hospital (Basic)
Hospital
Basic
$54.20
-
-
GMHBA Basic Extras Set Benefits
Extras
-
$27.50
-

*Prices for Single, NSW, Age 30, $500 excess. Actual prices may vary — confirm with GMHBA Health directly.

Overall GMHBA Health price increase

GMHBA HealthIndustry average

Customer Reviews

Google Reviews
3out of 5
Based on 36 reviewsReviews sourced from
Google Reviews (April 2026).

What GMHBA Health Specialises In

Find policies suited to your situation. Prices are indicative only.

Hospital Coverage
Gold
Comprehensive — all clinical categories
Silver+
26+ clinical categories, plus added cover
Bronze+
17+ clinical categories, plus added cover
Basic+
Minimal coverage, plus added cover
Basic
Minimal coverage, MLS avoidance
Extras Coverage
General Dental
Physiotherapy
Chiropractic
Osteopathy
Major Dental
Endodontic
Podiatry
Psychology

All prices shown are indicative only and were last updated using data from PrivateHealth.gov.au. Actual prices may vary based on individual circumstances. Please confirm pricing directly with insurers.

Customer Service Record & Complaints

How GMHBA compares to other Australian health insurers based on pricing, service record, and product range.

Good Service Record54 complaints in Oct 2024 – Sep 2025 · 100% resolved internallySource: Private Health Insurance Ombudsman (PHIO) Quarterly Reports, Q2 2024-25 to Q1 2025-26
Official PHIO Data

Based on official data from the Private Health Insurance Ombudsman (PHIO), GMHBA has a Good Service Record.

24.55Complaint Rateper 1% market share · last 12 months
0%Investigation Rateno formal investigations
100%Resolution Rateresolved internally

Source: Private Health Insurance Ombudsman (PHIO) Quarterly Reports, last 4 quarters (Oct 2024 – Sep 2025). Note: All health insurers receive some complaints. Lower rates indicate better service and faster internal resolution of member concerns.

Complaint breakdown

54
Complaints
2.2
Mkt Share %
100%
Resolved
Quarter-on-Quarter:complaint volume unchanged (14 complaints)complaint rate per market share holding steady

Complaints per Quarter

Latest quarter
Previous quarters
Industry avg: 7.1
10
Oct-Dec '24
16
Jan-Mar '25
14
Apr-Jun '25
14
Jul-Sep '25

Source: Private Health Insurance Ombudsman (PHIO) Quarterly Reports, Q2 2024-25 to Q1 2025-26

Top Complaint Categories — All Insurers Combined
Industry-wide from all 35+ insurers, Q1 2025-26. Not specific to GMHBA Health.
Disputes referred to insurer89%
Resolved at first contact11%
How GMHBA Health Addresses These

Good Service Record — resolves most member concerns before they escalate to the Ombudsman.

Source: Private Health Insurance Ombudsman (PHIO) Quarterly Report, Q1 2025-26. 849 total complaints industry-wide across all 35+ Australian health insurers.

GMHBA Health vs Industry Average - Complaint Rate per 1% Market Share (Last 12 Months)

24.55
54 complaints
GMHBA Health
28.58
Industry Avg

GMHBA handles 2.2% of the market. Complaint rate of 24.55 vs industry average of 28.58 over the last 12 months.

Source: Private Health Insurance Ombudsman (PHIO) Quarterly Reports, Q2 2024-25 to Q1 2025-26

How to Resolve Issues

1
Contact GMHBA Health1300 4 GMHBA (46422) or service@gmhba.com.au
2
Request Internal ReviewIf unsatisfied, request a formal review.
3
Contact the OmbudsmanFree: 1800 640 695 or privatehealth.gov.au/ombudsman

Data Source: Private Health Insurance Ombudsman (PHIO) Quarterly Update Q1 2025-26 (Jul–Sep 2025). Complaint data is independently collected and published by the Commonwealth Ombudsman's office. Update Frequency: Ombudsman data is updated quarterly (Jan, Apr, Jul, Oct). This page reflects the most recent publicly available PHIO data. Last updated: December 2025.

Compare GMHBA Health to Competitors

Based on official data from the Private Health Insurance Ombudsman (PHIO), GMHBA has a Good Service Record.

PricingCompare GMHBA's premiums against other funds for similar coverage levels.
Service RecordOmbudsman complaint data from PHIO Oct 2024 – Sep 2025 shows how each fund handles member issues.
Product rangeGMHBA offers 96 policies — compare the breadth of coverage options available.
Market PositionGMHBA holds 2.2% market share among Australian health insurers.
GMHBAGMHBA
Current Fund
Policies
96
Rating
3/5
Hospital From*
$54.20/mo
Type
For-profit
Service
Good

*For Single in NSW. Service record data from PHIO Q1 2025-26.

Contact & Support

Phone
General: 1300 4 GMHBA (46422)Claims: 1300 4 GMHBA (46422)Mon-Fri 8am-6pm AEST
Email
service@gmhba.com.au
Online
http://www.gmhba.com.au
Mail
PO Box 761GEELONGVIC 3220

GMHBA Health Mobile App

App Store
App StoreGMHBA Health Australia
3.2/5
34 ratings
View →
Google Play
Google PlayGMHBA Health Australia
3.6/5
29 reviews·10K+ downloads
View →

App features: upload photos or documents to submit claims, get help through Web Chat, view waiting periods, update payment details, check extras limits, order replacement member card, see claims history.

Frequently Asked Questions

All information provided in these FAQs is general information only and does not constitute financial, insurance, or personal advice. For advice specific to your circumstances, consult with a licensed financial or insurance adviser, or contact insurers directly. Information is based on our understanding as of 2 August 2026 and may change. Always verify current information with official sources.

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