Health Insurance

Health insurance is important to many people and here at Which Way To Pay we know the value for one to compare policies. Health insurance provides that bit extra that might be lacking from the regular Medicare service. For example, getting private health insurance can mean that you are exempt from paying the Medicare Levy Surcharge. You might also be interested in knowing that if you want less waiting around and quicker access to medical help, a private health insurance (care) policy can take care of this.

Insurance Information

You MUST apply through this site to guarantee any rate, spread, fee or margin listed

Using the comprehensive table below, compare the options available for the Health Insurance area. You'll see various columns for aspects like what is actually covered with each policy and how much it costs. Once you have found the right company and care, click on 'Apply' to be taken through the next steps.

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Enquiry Line: +61 (0) 2 91916575

COMPANYPOLICYCOSTEXCESSCOVERUNDERWRITERMETHODSPAY MONTHLYAMBULANCEMORE INFO
GMBHA Health Insurance
Health InsuranceFrom $39.35$0 - $500Type

Cover Type

Hospital/Extras/Combined


Level

Cover Level

Bronze/Silver/Gold


Detail

Cover Detail

1. HOSPITAL COVER: Bronze/Silver/Silver Hospital Single Parents/Gold Hospital/Silver Plus/Gold Plus.
2. EXTRAS COVER: Bronze extras/Silver Extras/Standard Extra Plus/Special Care Extra Plus/ Gold Extras/ Platinum Extras
3. COMBINED: Bronze Young Singles Package/ Silver Young Singles Package/ Silver Evertday Package.

GMBHAOnline, Tel, Branch, PostYesYesApply for GMBHA Health Insurance
Pick between an all encompassing health insurance service which means you can either get Hospital, Extra or Combined Cover. Each policy comes in Bronze, Silver and Gold levels so you only pay for what you need/your budget allows. Fill out the online form in just a few hours.
DETAIL INFORMATION >>
Services

Services

1. Join today, claim tomorrow.


Restrictions

Restrictions

A waiting period is the time between when you join GMHBA and when you can start claiming. Waiting periods exist to protect members’ funds from those who wait until they are sick and then join a health fund just to claim large sums immediately. Waiting periods apply to:
 
1. New members to health insurance (members who have never held hospital or extras cover with a health fund).
2. Existing GMHBA members who upgrade to a higher level of cover or reduce their excess payable.
3. Members who transfer from another health fund who have not fully served the required waiting period for equivalent benefits.
4. Treatment for a pre-existing condition.


Advantages

Advantages

1.Your health is one of the most important things so go private and maximise your treatments and service.
2. Get money back from medical procedures.
3. Pay less after you turn 31.
4. If you take out Combined Cover you are eligable for GMHBAs loyalty programme, Connect Rewards Plus.
5. Choose between Hospital, Extras or Combined Cover in Bronze, Silver or Gold levels.
6. Save on tax by getting eligable hospital cover.
7. Pay 30% to 40% less on your premiums with the Private Health Members’ Rebate.
8. All inclusive cover.
9. Apply online in just a few minutes.


Disadvantages

Disadvantages

1. Only available to Australians who have an Australian address.
2. There are waiting periods e.g maternity can be up to 12 months. Check 'waiting periods' on website for full details.
3. Excess is age dependent (30%-40%) Goes up with age.

iSelect
Private InsuranceFrom $56.40$0 - $500Type

Cover Type

Full Cover/Restricted Cover


Level

Cover Level

Basic - Advanced


Detail

Cover Detail

Full Cover = Your choice of doctor, choice of a partnered private hospital (own room if available/applicable) any public hospital (shared ward)
 
Restricted Cover = Your choice of doctor, public hospital only (shared ward)
 
1. Top Benefit Cover.
2. Intermediate Benefit Cover.
3. Basic Cover.
4. Cover to avoid tax ad penalties.
5. Overseas Visitors Cover.

VariesOnlineYesLevel of cover varies.Apply for iSelect
iSelect has been established to help you choose a health insurance policy that suits your needs. iSelect allows you to compare health insurance policies, select and purchase a range of policies from participating health funds. They offer a great range of competitive options uniquely matched to your needs and budget.
DETAIL INFORMATION >>
Services

Services

1. Most policies include ambulance cover however the level of cover varies. For example some policies provide cover for transport or for emergency only and others may reimburse your annual ambulance subscription to your State Ambulance Service.
2. In making an appropriate recommendation iSelect do not consider every product on the market or of participating funds, but only those products in their list of approved products. This list represents policies that: iSelect assesses as suitable to offer to you based on product quality and other metrics, policies that participating health funds wish to offer to our customers and finally policies that enable us to meet both participating fund and iSelect commercial needs. The policy recommended to you, from this list, is then chosen only after understanding your needs and considering your budget, based upon information provided to iSelect.


Restrictions

Restrictions

Available to the five broad life stages


Advantages

Advantages

1. Quick, easy online form to fill out.
2. The iSelect service is a free service to you, and they will guide you through all the paperwork.
3. iSelect may be able to recommend a policy that better suits your requirements, or as a recent survey of over 700 iSelect customers has shown, save you up to 30% on your health insurance costs whilst still providing the cover you / your family needs.


Disadvantages

Disadvantages

1. Have to apply to get details on individual policy
2. There is sometimes an excess to pay if you make a claim

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