Anyone can join. GMHBA sells 36 policies to new members (17 hospital-only and 19 extras-only), going by the October 2026 data.

How much is GMHBA hospital cover?

Its cheapest hospital policy for a single is $50.00 a month before the government rebate (October 2026 figures). What you'd pay depends on your state, the tier and the excess you pick; the chart of premiums by state above has the range for each state.

How much does GMHBA pay for a dental check-up?

Up to $36.65 for a check-up (dental item 012) on its GMHBA Mid Extras Set Benefits policy, at a dentist outside its preferred network. The typical extras policy across the market pays $35.20.

GMHBA

36 open policies in the October 2026 data. Anyone can join.

Registered as GMHBA Limited.

This insurer is a mutual organisation that operates on a not-for-profit basis.

Also sells policies as Frank Health Insurance.

gmhba.com.au, phone 1300 4 GMHBA (46422)

Hospital: 17
Hospital and extras: 0
Extras: 19
Closed to new members: 98

How its premiums compare in NSW & ACT

GMHBA's cheapest single hospital policy in each tier against every other insurer's cheapest, counting policies anyone can buy, from October 2026 data.

BasicHospital only$104.053rd cheapest of 20
$102.60$158.45
BronzeHospital only$131.858th cheapest of 21
$121.79$163.20
SilverHospital only$167.958th cheapest of 21
$157.30$257.13
GoldHospital only$443.058th cheapest of 10
$248.55$458.42

GMHBAEvery other insurer's cheapest

Basic. Its cheapest single Basic hospital policy in NSW & ACT is Frank Basic Accident Boost Hospital, at $104.05 a month before the rebate with a $750 excess: 3rd cheapest of 20 insurers. See every insurer
Bronze. Its cheapest single Bronze hospital policy in NSW & ACT is Frank Bronze Hospital, at $131.85 a month before the rebate with a $750 excess: 8th cheapest of 21 insurers. See every insurer
Silver. Its cheapest single Silver hospital policy in NSW & ACT is Frank Silver Hospital, at $167.95 a month before the rebate with a $750 excess: 8th cheapest of 21 insurers. See every insurer
Gold. Its cheapest single Gold hospital policy in NSW & ACT is GMHBA Gold Optimum, at $443.05 a month before the rebate with a $750 excess: 8th cheapest of 10 insurers. See every insurer

What a single pays each month, cheapest to dearest policy

Monthly, before the rebate, across every excess option. 2 corporate policies are included; they are sold through employers and associations.

NSW & ACT
$104.05 to $468.00
VIC
$103.00 to $503.90
QLD
$105.50 to $493.15
SA
$102.00 to $424.50
WA
$79.95 to $393.65
TAS
$104.95 to $451.10
NT
$50.00 to $244.35
$0$100$200$300$400$500

Cheapest to dearest policy

Show the figures

GMHBA's single premiums by state and policy type
State	Hospital	Extras
NSW & ACT	$104.05 to $468.00	$15.50 to $129.00
VIC	$103.00 to $503.90	$15.50 to $129.00
QLD	$105.50 to $493.15	$15.50 to $129.00
SA	$102.00 to $424.50	$15.50 to $129.00
WA	$79.95 to $393.65	$15.50 to $129.00
TAS	$104.95 to $451.10	$15.50 to $129.00
NT	$50.00 to $244.35	$15.50 to $129.00

What GMHBA covers, and what it pays back

Hospital

Leaving out the one it sells through employers, GMHBA has 16 policies with hospital cover. They come with a choice of $500 or $750 excess. Four of the 16 drop the excess for children on the policy, and seven of the 16 for day surgery. All 16 offer the youth discount: up to 10% off for people who join between 18 and 29.

Waiting periods are the standard ones: 12 months for pre-existing conditions and pregnancy, and two months for everything else, psychiatric, rehab and palliative care included. That's the most the law lets a fund make you wait. All 16 cover emergency ambulance trips only.

Extras

Not counting the one it sells through employers, GMHBA has 18 policies with extras, covering anywhere from 4 to 22 of the 27 services insurers report on. Here's the most any of them pays back on common claims, and the highest yearly limits, next to the typical policy among the 708 on the market.

The most it pays back on common claims

Periodic oral exam (item 012)on GMHBA Mid Extras Set Benefits
$36.65typical policy $35.20
Scale and clean (item 114)on Frank Max Extras
$72.20typical policy $66.85
Full crown, veneered (item 615)on Frank Classic Extras
$520.00typical policy $773.80
Physiotherapy, first visiton Frank Max Extras
$44.00typical policy $42.00
Psychology, first visiton Frank Max Extras
$60.00typical policy $75.00

Pays up toTypical policy

Its highest yearly limits for a single

General dental
$1,500typical policy $800
Major dental
$1,500typical policy $1,000
Optical
$250typical policy $220
Physiotherapy
$1,500typical policy $450
Chiropractic
$1,500typical policy $400
Psychology
$1,500typical policy $400

Highest limitTypical policy

Benefits are what you'd get back from a provider outside the fund's preferred network, using the national figure or NSW's where a policy pays differently by state. Items paid as a percentage of the fee aren't included. Limits are per person per year on a single policy, and some funds pool several services under one limit. Corporate policies aren't counted. See how every fund compares in what extras pay back, or every policy side by side in the extras explorer.

Hospital policies 17

Policy	Tier	From	Sold in	Excess options
Frank Basic Accident Boost HospitalSold as Frank Health Insurance	Basic	$50.00NT	All	$750
GMHBA Accident Only Hospital (Basic)	Basic	$54.20NT	All	$750
Frank Basic Plus HospitalSold as Frank Health Insurance	Basic Plus	$57.15NT	All	$750
GMHBA Basic Plus Starter Hospital	Basic Plus	$65.95NT	All	$750
Frank Bronze HospitalSold as Frank Health Insurance	Bronze	$73.00NT	All	$750
Frank Bronze Plus HospitalSold as Frank Health Insurance	Bronze Plus	$75.60NT	All	$750
GMHBA Bronze Plus Core Hospital	Bronze Plus	$81.23NT	All	$750
GMHBA Bronze Plus Advantage Hospital	Bronze Plus	$82.05NT	All	$750
Frank Bronze Plus Max HospitalSold as Frank Health Insurance	Bronze Plus	$87.45NT	All	$750
GMHBA Bronze Hospital Plus - CorporateCorporate	Bronze Plus	$155.15WA	All	$500
Frank Silver HospitalSold as Frank Health Insurance	Silver	$94.30NT	All	$750
GMHBA Silver Plus Hospital	Silver Plus	$87.50NT	All	$500, $750
Frank Silver Plus HospitalSold as Frank Health Insurance	Silver Plus	$125.25NT	All	$750
GMHBA Silver Plus Premium Hospital	Silver Plus	$132.60NT	All	$500, $750
Frank Silver Plus Max HospitalSold as Frank Health Insurance	Silver Plus	$225.60NT	All	$750
GMHBA Gold Optimum	Gold	$221.15NT	All	$750
GMHBA Gold Optimum Hospital	Gold	$244.35NT	All	$500

Extras policies 19

Policy	From	Sold in	Services
Frank BundablesOnly sold with particular other policiesSold as Frank Health Insurance	$15.50NSW & ACT	All	13
Frank Easy ExtrasSold as Frank Health Insurance	$23.30TAS	All	8
GMHBA Basic Extras Set BenefitsCorporate	$27.50TAS	All	6
GMHBA SmartCare Starter Boost Extras with sub-limitsOnly sold with particular other policies	$29.15NSW & ACT	All	5
GMHBA SmartCare Starter Extras with sub-limits	$29.15NSW & ACT	All	4
GMHBA SmartCare Starter Boost ExtrasOnly sold with particular other policies	$37.45NSW & ACT	All	5
GMHBA SmartCare Starter Extras	$37.45NSW & ACT	All	4
Frank Classic ExtrasSold as Frank Health Insurance	$53.95WA	All	15
GMHBA Mid Extras Set Benefits	$55.95TAS	All	22
GMHBA SmartCare Everyday Boost Extras with sub-limitsOnly sold with particular other policies	$57.25NSW & ACT	All	12
GMHBA SmartCare Everyday Extras with sub-limits	$57.25NSW & ACT	All	11
GMHBA SmartCare Everyday Boost ExtrasOnly sold with particular other policies	$67.65NSW & ACT	All	12
GMHBA SmartCare Everyday Extras	$67.65NSW & ACT	All	11
Frank Max ExtrasSold as Frank Health Insurance	$70.70WA	All	21
GMHBA Mid Extras 65% Benefits	$74.35NT	All	22
GMHBA SmartCare Complete Boost Extras with sub-limitsOnly sold with particular other policies	$89.50NSW & ACT	All	16
GMHBA SmartCare Complete Extras with sub-limits	$89.50NSW & ACT	All	15
GMHBA SmartCare Complete Boost ExtrasOnly sold with particular other policies	$109.30NSW & ACT	All	16
GMHBA SmartCare Complete Extras	$109.30NSW & ACT	All	15

GMHBA also has 98 older policies (2,492 priced variants) closed to new members, which existing members can keep. They are counted here but not listed. Compare its hospital cover with every other insurer's in the hospital explorer.

Source: PrivateHealth.gov.au data (Private Health Insurance Ombudsman) via data.gov.au, licensed CC BY 3.0 AU. Normalised by The Finance Algorithm from the extract dated 1 Oct 2026, read on 23 Oct 2026.

Premiums are monthly and shown before the Australian Government rebate and any Lifetime Health Cover loading or age-based discount. Confirm the price and the cover with the insurer before you buy; the official statement for every policy is on PrivateHealth.gov.au. This is general information, not advice, and no insurer pays to be listed or ranked here.

Questions about GMHBA

Who can join GMHBA?: Anyone can join. GMHBA sells 36 policies to new members (17 hospital-only and 19 extras-only), going by the October 2026 data.
How much is GMHBA hospital cover?: Its cheapest hospital policy for a single is $50.00 a month before the government rebate (October 2026 figures). What you'd pay depends on your state, the tier and the excess you pick; the chart of premiums by state above has the range for each state.
How much does GMHBA pay for a dental check-up?: Up to $36.65 for a check-up (dental item 012) on its GMHBA Mid Extras Set Benefits policy, at a dentist outside its preferred network. The typical extras policy across the market pays $35.20.