Health Insurance

GMHBA SmartCare Starter Extras with sub-limits

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

GMHBA logo

GMHBA

GMHBA SmartCare Starter Extras with sub-limits

$72.85

100% back on dental check-ups

100% back on scale and clean

Physio included

Chiropractic included

Osteopathy included

Excess

Extras claim back

60%

Why this cover

Extras Cover
  • Dental
  • Physiotherapy
  • Chiropractic
  • Osteopathy
Pricing & Value
Monthly premium from
$72.85
Excess
$0
smile.com.au benefit
60% back
Average Service Record0.90× average complaint rate · July–September 2025Source: Private Health Insurance Ombudsman (PHIO) Quarterly Report, July–September 2025

Inclusions

Waiting periods recognised

Change your mind within 30 days

We do all the paperwork for you

Get 6 weeks free

Get 6 weeks free plus no 2 & 6 month waits on extras when joining on combined cover. Available to new GMHBA members only who have not held GMHBA Hospital and/or Extras cover in the last 12 months (dependants coming off Family cover or Single Parent cover are eligible). Must join on GMHBA combined cover (hospital and extras). Offer only available via GMHBA website, phone and branch or approved GMHBA corporate program. Must pay first month premium to receive initial 6 weeks free. Not available for GMHBA Hospital only cover or GMHBA Extras only cover. Offer cannot be used in conjunction with any other offer and cannot be redeemed for cash. Other waits (including hospital waits), annual limits and sub limits apply. Extras claims made with a previous fund count towards annual limits. GMHBA may end this offer at any time without notice.

Hospital Cover

Extras Cover

4 covered23 not covered
smile.com.au Advantage100% back on up to two dental check-ups per year at a smile.com.au dentist
General Dental
$500/person2 mo
Periodic Exam: 100% backScale & Clean: 100% backFluoride: 100% back
Endodontic
-
Major Dental
-
Orthodontic
-
Chiropractic
$500/person2 mo
1st visit: 60% backNext visit: 60% back
Osteopathy
$500/person2 mo
1st visit: 60% backNext visit: 60% back
Physiotherapy
$500/person2 mo
1st visit: 60% backNext visit: 60% back
Acupuncture
-
Chinese Herbal Medicine
-
Exercise Physiology
-
Occupational Therapy
-
Psychology
-
Remedial Massage
-
Speech Therapy
-
GMHBA logo

GMHBA

GMHBA SmartCare Starter Extras with sub-limits

$72.85

100% back on dental check-ups

100% back on scale and clean

Physio included

Chiropractic included

Osteopathy included

Excess

Extras claim back

60%

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The information on this page is general in nature and is not intended as financial advice, insurance advice, or a recommendation for any particular policy. All pricing shown is indicative only. Please verify all information directly with insurers and consider seeking professional advice for your specific circumstances.

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