Pricing for a single in NSW, under 65
Premium calculated for current profile with rebate applied.
Hospital Coverage — Basic+ Tier
Review the hospital clinical categories covered under this Basic+ tier policy, including covered, restricted, and excluded services, plus any important notes or conditions.
| Clinical category | Status | Notes |
|---|---|---|
| Heart & Vascular | Excluded | - |
| Brain & Nervous System | Excluded | - |
| Eye (Not Cataracts) | Excluded | - |
| Cataracts | Excluded | - |
| Ear, Nose & Throat | Excluded | - |
| Back, Neck & Spine | Excluded | - |
| Bone, Joint & Muscle | Excluded | - |
| Joint Reconstructions | Covered | - |
| Joint Replacements | Excluded | - |
| Dialysis | Excluded | - |
Waiting Periods
Standard waiting periods apply. If transferring from another insurer with equivalent cover, served waiting periods are recognised under portability rules.
Hospital Agreements
GMHBA has agreements with 60 private hospitals across Australia.
When you're treated at an agreed hospital, you're covered for accommodation, theatre fees, and prostheses at the negotiated rate — minimising or eliminating gap payments. At a non-agreed hospital, you may face significant out-of-pocket costs even for covered procedures.
| Hospital | Suburb | State | Agreement | Details |
|---|---|---|---|---|
| St Vincent's Private Hospital Sydney | Darlinghurst | NSW | Full agreement | |
| Macquarie University Hospital | Macquarie Park | NSW | Full agreement | |
| Sydney Adventist Hospital | Wahroonga | NSW | Full agreement | |
| Prince of Wales Private Hospital | Randwick | NSW | Full agreement | |
| Hurstville Private Hospital | Hurstville | NSW | Day surgery | |
| Norwest Private Hospital | Bella Vista | NSW | Full agreement | |
| Westmead Private Hospital | Westmead | NSW | Full agreement | |
| Kareena Private Hospital | Caringbah | NSW | Full agreement | |
| Lingard Private Hospital | Merewether | NSW | Full agreement | |
| Newcastle Private Hospital | New Lambton Heights | NSW | Full agreement |
Policy Features
See which additional policy features are included, not included, or subject to conditions such as waiting periods or loyalty rules.
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About Insurer
GMHBA is a not-for-profit Australian health insurer. They offer 96 policies across hospital, extras, and combined cover.
GMHBA is a not-for-profit, member-based health fund that has operated since 1934. It offers a range of hospital, extras and combined cover to members across Australia.
View all insurer policiesImportant Information
This page provides a summary of GMHBA Basic Plus Starter Hospital by GMHBA based on data from PrivateHealth.gov.au. It is general information only and may not reflect the most current policy terms.
Before purchasing this policy:
- Read the full Product Disclosure Statement (PDS) available from GMHBA
- Confirm current pricing directly with the insurer — prices shown are indicative only
- Check hospital agreements in your area
- Consider whether the coverage meets your specific health needs
- Ask about any gap cover arrangements
Data last updated 26 July 2026 from PrivateHealth.gov.au. We may receive a commission if you purchase through links on this page. We are not affiliated with or endorsed by GMHBA.
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