GMHBA Basic Extras Set Benefits
An extras policy from GMHBA.
- Corporate policy, sold through employers and associations.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement GMHBA files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.
From
Single, TAS, no excess, before the rebate.
- Medicare levy surcharge
- Does not exempt you
- Ambulance
- Not covered
- Who can join
- Through an employer or group
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
Against every other extras policy in NSW & ACT
Single cover, corporate and restricted policies included. Further right covers more services, higher up costs more.
It covers 6 services for $29.60 a month. Of the 396 other policies, 25 cost less and 360 cover more services.
Monthly premium by state and cover type
NSW prices also apply in the ACT. Each price in the tables opens its official Private Health Information Statement on PrivateHealth.gov.au, with a PDF to download.
Single premium in each state
To the nearest dollar, a month before the rebate. The tables below have every price to the cent.
Pays towards 6 of 27 standard services
Yearly limits, per person, against the typical policy
- General dental$1,000typical policy $800
- Optical$150typical policy $220
- Physiotherapy$300typical policy $450
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)$31.00typical policy $35.20
- Scale and clean (item 114)$57.75typical policy $66.85
- Single vision lenses and frames80% of the feetypical policy $220.00
- Physiotherapy, first visit$33.00typical policy $42.00
| Service | Waiting period | Yearly limit, per person | Per policy | Example benefits (NSW & ACT) |
|---|---|---|---|---|
| General dental | 2 months | $1,000 | - | Periodic oral exam (item 012): $31.00Scale and clean (item 114): $57.75Fluoride treatment (item 121): $18.15 |
| Optical | 6 months | $150 | - | Multifocal lenses and frames: 80%Single vision lenses and frames: 80% |
| Non-PBS medicinesconditions apply | 2 months | $150shared with vaccinations | $350 | Non-PBS prescription: $21.00 |
| Physiotherapy | 2 months | $300 | $600 | Physiotherapy, first visit: $33.00Physiotherapy, later visit: $25.00 |
| Occupational therapy | 2 months | $300 | $600 | Occupational therapy, first visit: $30.00Occupational therapy, later visit: $23.00 |
| Vaccinations | 2 months | $150shared with non-pbs medicines | $350 | Vaccination: $21.00 |
Not covered: major dental, endodontic (root canals), orthodontics, chiropractic, podiatry, psychology, acupuncture, remedial massage, hearing aids, blood glucose monitors, audiology, antenatal and postnatal, chinese herbal medicine, dietetics, exercise physiology, orthoptics, health management programs, home nursing, orthotics, osteopathy, speech therapy.
From the insurer: Occupational Therapy, Myotherapy and Hydrotherapy. An annual sub-limit up to $300 per person per calendar year applies for preventative dental. Rates discounted for premiums paid by direct debit.
Non PBS Pharmaceuticals must be a private Schedule 4 or Schedule 8 and dispensed via a provider in private practice.
Example benefits are what the policy pays for that item at a provider without a special arrangement with the insurer; a percentage is of the fee charged. The typical policy is the middle one of the 708 extras policies on the market that aren't sold only through employers.
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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.