Health Insurance

GMHBA SmartCare Everyday Extras

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

GMHBA logo

GMHBA

GMHBA SmartCare Everyday Extras

$169.15

100% back on general dental check-ups

60% back on major dental

60% back on physio

60% back on chiropractic

60% back on remedial massage

Excess

Extras claim back

60%

Why this cover

Extras Cover
  • Dental
  • Physiotherapy
  • Chiropractic
  • Psychology
Pricing & Value
Monthly premium from
$169.15
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

11 covered16 not covered
smile.com.au Advantage100% back on up to two dental check-ups per year at a smile.com.au dentist
Endodontic
$1,000/person1 yr
Root Canal Therapy: 60% back
General Dental
$1,000/person2 mo
Periodic Exam: 100% backScale & Clean: 100% backFluoride: 100% back
Major Dental
$1,000/person1 yr
Extraction: 60% backFull Crown (Veneered): 60% back
Orthodontic
-
Acupuncture
$1,000/person2 mo
1st visit: 60% backNext visit: 60% back
Chiropractic
$1,000/person2 mo
1st visit: 60% backNext visit: 60% back
Osteopathy
$1,000/person2 mo
1st visit: 60% backNext visit: 60% back
Physiotherapy
$1,000/person2 mo
1st visit: 60% backNext visit: 60% back
Psychology
$1,000/person2 mo
Initial Consult: 60% back
Remedial Massage
$1,000/person2 mo
1st visit: 60% backNext visit: 60% back
Chinese Herbal Medicine
-
Exercise Physiology
-
Occupational Therapy
-
Speech Therapy
-
Orthotics
$1,000/person1 yr
Orthotics: 60% back
Podiatry
$1,000/person2 mo
1st visit: 60% backNext visit: 60% back
Antenatal/Postnatal
-
Audiology
-
Dietetics
-
Hearing Aids
-
Home Nursing
-
GMHBA logo

GMHBA

GMHBA SmartCare Everyday Extras

$169.15

100% back on general dental check-ups

60% back on major dental

60% back on physio

60% back on chiropractic

60% back on remedial massage

Excess

Extras claim back

60%

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