GMHBA
Registered as GMHBA Limited · fund code GMH · Open membership
Also sold as Frank Health Insurance
Health insurance
GMHBA sells 532 open policies with hospital cover (532 hospital-only, 0 combined with extras, counting one per state and household type) in NSW, NT, QLD, SA, TAS, VIC, WA, grouped below into 19 products, of which 18 can be bought by anyone on their own (the rest are corporate, visitor or add-on cover). Premiums are monthly, before the government rebate; the table shows each product's range across the states and households it is sold to, and choosing a state and household narrows it to the exact premium.
Products
SCFP = sold to singles · couples · families · single parents
| Policy | Tier | Type | Excess / person | Co-pay | Covered | Restricted | Under-30 discount | States | S C F P | Monthly premium | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| GMHBA Gold Optimum $750 | Gold | Hospital | $750 | None | 38 | 0 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $221.15 – $978.80 | |
| GMHBA Gold Optimum Hospital $500 | Gold | Hospital | $500 | None | 38 | 0 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $244.35 – $1,007.80 | |
| Frank Silver Plus Hospital | Silver Plus | Hospital | $750 | None | 31 | 1 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $125.25 – $526.70 | |
| Frank Silver Plus Max Hospital | Silver Plus | Hospital | $750 | None | 36 | 1 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $225.60 – $945.60 | |
| GMHBA Silver Plus Hospital $500 | Silver Plus | Hospital | $500 | None | 29 | 1 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $92.65 – $390.85 | |
| GMHBA Silver Plus Hospital $750 | Silver Plus | Hospital | $750 | None | 29 | 1 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $87.50 – $360.55 | |
| GMHBA Silver Plus Premium Hospital $500 | Silver Plus | Hospital | $500 | None | 34 | 1 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $145.25 – $537.75 | |
| GMHBA Silver Plus Premium Hospital $750 | Silver Plus | Hospital | $750 | None | 34 | 1 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $132.60 – $510.65 | |
| Frank Silver Hospital | Silver | Hospital | $750 | None | 26 | 3 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $94.30 – $358.75 | |
| Frank Bronze Plus Hospital | Bronze Plus | Hospital | $750 | None | 22 | 3 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $75.60 – $286.05 | |
| Frank Bronze Plus Max Hospital | Bronze Plus | Hospital | $750 | None | 24 | 3 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $87.45 – $329.60 | |
| GMHBA Bronze Hospital Plus - Corporate | Bronze Plus | Hospital | $500 | None | 25 | 3 | Yes | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $155.15 – $336.65 |
| GMHBA Bronze Plus Advantage Hospital $750 | Bronze Plus | Hospital | $750 | None | 23 | 3 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $82.05 – $313.30 | |
| GMHBA Bronze Plus Core Hospital | Bronze Plus | Hospital | $750 | None | 19 | 3 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $81.23 – $310.16 | |
| Frank Bronze Hospital | Bronze | Hospital | $750 | None | 18 | 3 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $73.00 – $277.75 | |
| Frank Basic Plus Hospital | Basic Plus | Hospital | $750 | None | 5 | 3 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $57.15 – $225.00 | |
| GMHBA Basic Plus Starter Hospital | Basic Plus | Hospital | $750 | None | 5 | 3 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $65.95 – $240.80 | |
| Frank Basic Accident Boost Hospital | Basic | Hospital | $750 | None | 0 | 3 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $50.00 – $211.00 | |
| GMHBA Accident Only Hospital (Basic) | Basic | Hospital | $750 | None | 0 | 3 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $54.20 – $225.90 |
A policy name opens the fund's own page for it where the fund publishes one. "Covered" links to the cover profile listing the clinical categories. Where a range remains after choosing a state and household, the fund sells several variants of the product there (for example with and without adult dependants) and the per-fund JSON has each.
Hospital cover profiles
Every product's hospital cover is one of these profiles over the 38 clinical categories. Restricted categories are paid at the minimum benefit only.
Cover profile 1 · 0 of 38 categories covered, 3 restricted, 35 not covered
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Skin, Sleep studies, Tonsils, adenoids and grommets, Weight loss surgery
Products Frank Basic Accident Boost Hospital (Basic, hospital); GMHBA Accident Only Hospital (Basic) (Basic, hospital)
Cover profile 2 · 5 of 38 categories covered, 3 restricted, 30 not covered
Covered Dental surgery, Gynaecology, Hernia and appendix, Joint reconstructions, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Skin, Sleep studies, Weight loss surgery
Products Frank Basic Plus Hospital (Basic Plus, hospital); GMHBA Basic Plus Starter Hospital (Basic Plus, hospital)
Cover profile 3 · 18 of 38 categories covered, 3 restricted, 17 not covered
Covered Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Joint reconstructions, Kidney and bladder, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Skin, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Back, neck and spine, Blood, Cataracts, Dental surgery, Dialysis for chronic kidney failure, Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Lung and chest, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Sleep studies, Weight loss surgery
Products Frank Bronze Hospital (Bronze, hospital)
Cover profile 4 · 22 of 38 categories covered, 3 restricted, 13 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Skin, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Cataracts, Dialysis for chronic kidney failure, Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Sleep studies, Weight loss surgery
Products Frank Bronze Plus Hospital (Bronze Plus, hospital)
Cover profile 5 · 19 of 38 categories covered, 3 restricted, 16 not covered
Covered Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Joint reconstructions, Kidney and bladder, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Skin, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Back, neck and spine, Blood, Cataracts, Dialysis for chronic kidney failure, Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Lung and chest, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Sleep studies, Weight loss surgery
Products GMHBA Bronze Plus Core Hospital (Bronze Plus, hospital)
Cover profile 6 · 23 of 38 categories covered, 3 restricted, 12 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Joint reconstructions, Kidney and bladder, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Skin, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Cataracts, Dialysis for chronic kidney failure, Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Lung and chest, Pain management with device, Pregnancy and birth, Sleep studies, Weight loss surgery
Products GMHBA Bronze Plus Advantage Hospital $750 (Bronze Plus, hospital)
Cover profile 7 · 24 of 38 categories covered, 3 restricted, 11 not covered
Covered Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Skin, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Back, neck and spine, Cataracts, Dialysis for chronic kidney failure, Implantation of hearing devices, Insulin pumps, Joint replacements, Pain management with device, Pregnancy and birth, Sleep studies, Weight loss surgery
Products Frank Bronze Plus Max Hospital (Bronze Plus, hospital)
Cover profile 8 · 25 of 38 categories covered, 3 restricted, 10 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Implantation of hearing devices, Joint reconstructions, Kidney and bladder, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Cataracts, Dialysis for chronic kidney failure, Heart and vascular system, Insulin pumps, Joint replacements, Lung and chest, Pain management with device, Pregnancy and birth, Weight loss surgery
Products GMHBA Bronze Hospital Plus - Corporate (Bronze Plus, hospital)
Cover profile 9 · 26 of 38 categories covered, 3 restricted, 9 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Skin, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Cataracts, Dialysis for chronic kidney failure, Insulin pumps, Joint replacements, Pain management with device, Pregnancy and birth, Sleep studies, Weight loss surgery
Products Frank Silver Hospital (Silver, hospital)
Cover profile 10 · 29 of 38 categories covered, 1 restricted, 8 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services
Not covered Assisted reproductive services, Cataracts, Dialysis for chronic kidney failure, Insulin pumps, Joint replacements, Pain management with device, Pregnancy and birth, Weight loss surgery
Products GMHBA Silver Plus Hospital $500 (Silver Plus, hospital); GMHBA Silver Plus Hospital $750 (Silver Plus, hospital)
Cover profile 11 · 34 of 38 categories covered, 1 restricted, 3 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services
Not covered Assisted reproductive services, Pregnancy and birth, Weight loss surgery
Products GMHBA Silver Plus Premium Hospital $500 (Silver Plus, hospital); GMHBA Silver Plus Premium Hospital $750 (Silver Plus, hospital)
Cover profile 12 · 31 of 38 categories covered, 1 restricted, 6 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services
Not covered Assisted reproductive services, Dialysis for chronic kidney failure, Insulin pumps, Pain management with device, Pregnancy and birth, Weight loss surgery
Products Frank Silver Plus Hospital (Silver Plus, hospital)
Cover profile 13 · 36 of 38 categories covered, 1 restricted, 1 not covered
Covered Assisted reproductive services, Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services
Not covered Weight loss surgery
Products Frank Silver Plus Max Hospital (Silver Plus, hospital)
Cover profile 14 · 38 of 38 categories covered, 0 restricted, 0 not covered
Covered Assisted reproductive services, Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Hospital psychiatric services, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets, Weight loss surgery
Products GMHBA Gold Optimum $750 (Gold, hospital); GMHBA Gold Optimum Hospital $500 (Gold, hospital)
Extras profiles
No extras profiles: the fund sells no combined policies.
Waiting periods
- Waiting profile 1: pre-existing conditions 12 months, pregnancy and birth 12 months, sub-acute care 2 months, other 2 months (8 products)
- Waiting profile 2: pre-existing conditions 12 months, sub-acute care 2 months, other 2 months (11 products)
Data
This section is built from the Private Health Insurance Ombudsman's monthly policy data release. The same records are published as JSON, each row naming the release file it came from:
/au/insurance/health/v1/funds/gmhba.json: this fund, every policy row and the cover, waiting-period and extras profiles./au/insurance/health/v1/policies/<STATE>.json: every fund's policies sold in a state (NSW, VIC, QLD, SA, WA, TAS, NT)./au/insurance/health/v1/cheapest.json: the cheapest policies per state, household and tier./au/insurance/health/v1/index.json: dataset index, including every per-fund file.
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