How $87.11 is worked out
- Premium as filed - $114.80 a month
- Government rebate - 24.1% of the premium (never of the loading): -$27.69
- A month - $87.11
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): $36.65; Scale and clean (item 114): $68.25; Fluoride treatment (item 121): $21.45 | $1,500 per person a year (shared with other services) |
| Major dental | 12 months | Tooth extraction (item 322): $118.60; Crown (item 615): $520.00 | $1,500 per person a year (shared with other services) |
| Root canal | 12 months | Root canal (item 417): $86.19 | $1,500 per person a year (shared with other services) |
| Braces | 12 months | Braces, upper and lower, with a retainer (item 881): $400.00 | $1,500 per person a year (shared with other services) |
| Glasses and contact lenses | 6 months | Single vision glasses: 80% back; Multifocal glasses: 80% back | $200 per person a year |
| Prescriptions not on the PBS * | 2 months | Prescription: $24.00 | $250 per person a year, $450 per policy a year (shared with other services) |
| Physiotherapy | 2 months | First visit: $38.00; Follow-up visit: $29.00 | $400 per person a year, $800 per policy a year |
| Chiropractic | 2 months | First visit: $26.00; Follow-up visit: $20.00 | $300 per person a year, $600 per policy a year (shared with other services) |
| Podiatry | 2 months | First visit: $35.00; Follow-up visit: $35.00 | $250 per person a year |
| Psychology | 2 months | First visit: $41.00; Follow-up visit: $31.00 | $350 per person a year, $600 per policy a year |
| Acupuncture | 2 months | First visit: $26.00; Follow-up visit: $20.00 | $300 per person a year, $600 per policy a year (shared with other services) |
| Remedial massage | 2 months | First visit: $26.00; Follow-up visit: $20.00 | $300 per person a year, $600 per policy a year (shared with other services) |
| Hearing aids | 12 months | Hearing aid: $744.00 | $1,200 per person a year, 1 appliance every 3 years |
| Blood glucose monitors | 12 months | Blood: $150.00 | $150 per policy a year, 1 appliance every 3 years |
| Audiology | 2 months | First visit: $35.00; Follow-up visit: $35.00 | $400 per person a year |
| Dietitian | 2 months | First visit: $56.00; Follow-up visit: $41.00 | $400 per person a year |
| Eye therapy (orthoptics) | 2 months | First visit: $30.00; Follow-up visit: $23.00 | $400 per person a year (shared with other services) |
| Occupational therapy | 2 months | First visit: $36.00; Follow-up visit: $27.00 | $400 per person a year, $800 per policy a year |
| Orthotics | 12 months | Benefit: $90.00 | $200 per person a year, $400 per policy a year |
| Osteopathy | 2 months | First visit: $26.00; Follow-up visit: $20.00 | $300 per person a year, $600 per policy a year (shared with other services) |
| Speech therapy | 2 months | First visit: $30.00; Follow-up visit: $23.00 | $400 per person a year (shared with other services) |
| Vaccinations | 2 months | Vaccination: $24.00 | $250 per person a year, $450 per policy a year (shared with other services) |
Not covered: Antenatal and postnatal, Chinese herbal medicine, Exercise physiology, Health management programs, Home nursing.
* Non PBS Pharmaceuticals must be a private Schedule 4 or Schedule 8 and dispensed via a provider in private practice.
An annual sub-limit up to $400 p/p per calendar year applies for preventative dental. Rates discounted for direct debit. Ambulance subscription benefits available in selected states & territories. Please contact GMHBA for further detail.
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 | $123.70 |
| NSW | My family | None | $123.70 |
| NSW | Just me | None | $61.85 |
| NSW | Me and my children | None | $123.70 |
| NT | Me and my partner | None | $111.90 |
| NT | My family | None | $111.90 |
| NT | Just me | None | $55.95 |
| NT | Me and my children | None | $111.90 |
| QLD | Me and my partner | None | $120.50 |
| QLD | My family | None | $120.50 |
| QLD | Just me | None | $60.25 |
| QLD | Me and my children | None | $120.50 |
| SA | Me and my partner | None | $127.70 |
| SA | My family | None | $127.70 |
| SA | Just me | None | $63.85 |
| SA | Me and my children | None | $127.70 |
| TAS | Me and my partner | None | $111.90 |
| TAS | My family | None | $111.90 |
| TAS | Just me | None | $55.95 |
| TAS | Me and my children | None | $111.90 |
| VIC | Me and my partner | None | $121.00 |
| VIC | My family | None | $121.00 |
| VIC | Just me | None | $60.50 |
| VIC | Me and my children | None | $121.00 |
| WA | Me and my partner | None | $114.80 |
| WA | My family | None | $114.80 |
| WA | Just me | None | $57.40 |
| WA | Me and my children | None | $114.80 |
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 I3E/WGSU20, 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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