GMHBA SmartCare Starter Extras with sub-limits
An extras policy from GMHBA.
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, NSW & ACT, no excess, before the rebate.
- Medicare levy surcharge
- Does not exempt you
- Ambulance
- Not covered
- Who can join
- Anyone
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
Against every other extras policy in NSW & ACT
Single cover, counting policies anyone can buy. Further right covers more services, higher up costs more.
It covers 4 services for $29.15 a month. Of the 214 other policies, 19 cost less and 202 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 4 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalshared with physiotherapy, chiropractic, osteopathy$500typical policy $800
- Physiotherapyshared with general dental, chiropractic, osteopathy$500typical policy $450
- Chiropracticshared with general dental, physiotherapy, osteopathy$500typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)100% of the feetypical policy $35.20
- Scale and clean (item 114)100% of the feetypical policy $66.85
- Physiotherapy, first visit60% of the feetypical policy $42.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dental | 2 months | $500, $250 a visitshared with physiotherapy, chiropractic, osteopathy | Periodic oral exam (item 012): 100%Scale and clean (item 114): 100%Fluoride treatment (item 121): 100% |
| Physiotherapy | 2 months | $500, $250 a visitshared with general dental, chiropractic, osteopathy | Physiotherapy, first visit: 60%Physiotherapy, later visit: 60% |
| Chiropractic | 2 months | $500, $250 a visitshared with general dental, physiotherapy, osteopathy | Chiropractic, first visit: 60%Chiropractic, later visit: 60% |
| Osteopathy | 2 months | $500, $250 a visitshared with general dental, physiotherapy, chiropractic | Osteopathy, first visit: 60%Osteopathy, later visit: 60% |
Not covered: major dental, endodontic (root canals), orthodontics, optical, non-pbs medicines, 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, occupational therapy, orthotics, speech therapy, vaccinations.
From the insurer: 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.
Overall combined product limit is $1,500 per person, sub-limit of $750 applies to each treatment type.
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.