GMF Health Insurance Cover Review
GMF are not for profit health fund with more than 60 years of experience in the health insurance industry. They currently provide health insurance to over 70,000 Australians.
GMF are part of the HBF health fund (as of June 2015) and are a Members Own Health Fund with no shareholders. At present, they expect to still be called GMF going forwards but this may change in the future.
- GMF won the 2011 and 2013 CANSTAR award for Best Hospital Cover in WA
- Members can choose their preferred practitioner and are not obliged to use Extras providers linked to GMF
Lite Hospital is their most basic hospital-only cover and is primarily intended to provide cover for unexpected hospital admissions. Members can get shared room accommodation in a public hospital or a GMF contracted private hospital. Ambulance, plastic and reconstructive surgery and psychiatric and rehab services are all included here.
Mid Hospital also includes heart produces, with the option to also pregnancy and birth services and assisted reproductive services for a slightly higher cost. Members get shared or private room accommodation in a public hospital or a GMF contracted private hospital.
Complete Hospital is the broadest level of hospital-only cover and also includes joint replacements, gastric banding, major eye surgery and dialysis. Private room accommodation is included.
Lite Extras includes 9 popular choices such as ambulance, chiro, general dental, natural therapies, optical, osteo, physio, podiatry and pharmacy. As a basic level of extras cover, it has relatively low limits.
Mid Extras includes 20 Extras services – everything in Lite Extras plus major dental, antenatal, clinical psychology, dietetics, occupational therapy, accommodation, travel, health appliances, audiology, hospital boarders, home nursing, and speech and eye therapy.
Complete Extras includes 25 Extras services – everything on Mid Extras plus exercise physiology,nutritionist and a greater range of natural therapies such as yoga, reflexology and Chinese medicine. As the broadest level of extras cover, it has the most generous limits.
Hospital and extras policies can be combined to provide the desired level of cover. For example, Complete Hospital and Mid Extras can be teamed together for a broad level of hospital cover and a mid-range selection of extras services.
Extras claim can be made on-the-spot at the provider using a GMF membership card. Claims can also be made online through MyGMF or by email.