GMHBA
GMHBA SmartCare Everyday Extras with sub-limits
GMHBA
How $86.88 is worked out
- Premium as filed - $114.50 a month
- Government rebate - 24.1% of the premium (never of the loading): -$27.62
- A month - $86.88
Go to insurer no commission on this policy
Extras: what you get back
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| General dental | 2 months | Check-up (item 012): 100% back; Scale and clean (item 114): 100% back; Fluoride treatment (item 121): 100% back | $1,000 per person a year, $500 per service (shared with other services) |
| Major dental | 12 months | Tooth extraction (item 322): 60% back; Crown (item 615): 60% back | $1,000 per person a year, $500 per service (shared with other services) |
| Root canal | 12 months | Root canal (item 417): 60% back | $1,000 per person a year, $500 per service (shared with other services) |
| Physiotherapy | 2 months | First visit: 60% back; Follow-up visit: 60% back | $1,000 per person a year, $500 per service (shared with other services) |
| Chiropractic | 2 months | First visit: 60% back; Follow-up visit: 60% back | $1,000 per person a year, $500 per service (shared with other services) |
| Podiatry | 2 months | First visit: 60% back; Follow-up visit: 60% back | $1,000 per person a year, $500 per service (shared with other services) |
| Psychology | 2 months | First visit: $60.00 | $1,000 per person a year, $500 per service (shared with other services) |
| Acupuncture | 2 months | First visit: 60% back; Follow-up visit: 60% back | $1,000 per person a year, $500 per service (shared with other services) |
| Remedial massage | 2 months | First visit: 60% back; Follow-up visit: 60% back | $1,000 per person a year, $500 per service (shared with other services) |
| Orthotics | 12 months | Benefit: 60% back | $1,000 per person a year, $500 per service (shared with other services) |
| Osteopathy | 2 months | First visit: 60% back; Follow-up visit: 60% back | $1,000 per person a year, $500 per service (shared with other services) |
Not covered: Braces, Glasses and contact lenses, Prescriptions not on the PBS, Hearing aids, Blood glucose monitors, Audiology, Antenatal and postnatal, Chinese herbal medicine, Dietitian, Exercise physiology, Eye therapy (orthoptics), Health management programs, Home nursing, Occupational therapy, Speech therapy, Vaccinations.
* Overall combined product limit is $1,500 per person, sub-limit of $750 applies to each treatment type.
Preventative dental pays at 100% of provider fee up to sub-limit or product limit. General dental pays at 60% of provider fee up to sub-limit or product limit. Psychology also includes Counselling, Mental Health Social Workers and Mental Health Nurses. Podiatry and Orthotics are combined under the same sub-limit.
Ambulance
No ambulance cover.
This policy's other options
Every state, household and excess the insurer filed for this policy, with the premium before the rebate.
| State | Who is covered | Excess | A month, as filed |
|---|---|---|---|
| NSW | Me and my partner | None | $114.50 |
| NSW | My family | None | $143.10 |
| NSW | Just me | None | $57.25 |
| NSW | Me and my children | None | $114.50 |
| NT | Me and my partner | None | $114.50 |
| NT | My family | None | $143.10 |
| NT | Just me | None | $57.25 |
| NT | Me and my children | None | $114.50 |
| QLD | Me and my partner | None | $114.50 |
| QLD | My family | None | $143.10 |
| QLD | Just me | None | $57.25 |
| QLD | Me and my children | None | $114.50 |
| SA | Me and my partner | None | $114.50 |
| SA | My family | None | $143.10 |
| SA | Just me | None | $57.25 |
| SA | Me and my children | None | $114.50 |
| TAS | Me and my partner | None | $114.50 |
| TAS | My family | None | $143.10 |
| TAS | Just me | None | $57.25 |
| TAS | Me and my children | None | $114.50 |
| VIC | Me and my partner | None | $114.50 |
| VIC | My family | None | $143.10 |
| VIC | Just me | None | $57.25 |
| VIC | Me and my children | None | $114.50 |
| WA | Me and my partner | None | $114.50 |
| WA | My family | None | $143.10 |
| WA | Just me | None | $57.25 |
| WA | Me and my children | None | $114.50 |
Where this comes from
Policy details come from the PrivateHealth.gov.au dataset published by the Private Health Insurance Ombudsman on data.gov.au (release of 1 Oct 2026), licensed under Creative Commons Attribution 3.0 Australia. Statement I45/DMEJ1D, filed by GMHBA Limited, issued 1 Apr 2026.
† Monthly premium: the premium the insurer filed with the Private Health Insurance Ombudsman for this state, household and excess, before the Australian Government rebate. Answer the income and age questions and every figure becomes the premium after your rebate, with any Lifetime Health Cover loading added to the hospital share (the rebate never applies to the loading) and the age-based discount taken off it where the policy offers one. Insurers may quote a different payment frequency and round each step; check the figure with the insurer before you join.
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