Fit Packages Member Guide - GMHBA Health Insurance

Contents
atthe
heartof
ourhealthy
community
weare
Why do I need Private Health Insurance? ...........2
Why Choose GMHBA? ..............................................3
About our Fit Packages ............................................4
Fit Packages Descriptions .......................................6
Waiting Periods ...........................................................7
Quick Hospital Cover Comparison .......................8
Quick Extras Cover Comparison ......................... 12
Fit Packages .............................................................. 14
What is Medical Gap Cover? ............................... 25
Detailed Extras Comparison ............................... 26
Fit Rewards Loyalty Program .............................. 33
Rebate and Medicare Levy .................................. 34
Payment and Claiming .......................................... 35
Lifetime Health Cover Loading ........................... 37
Important Information ........................................... 38
Direct Debit Service Agreement ......................... 51
Application Forms ...........................................(Insert)
Established more than 75 years ago, today GMHBA is one of
Australia’s fastest growing health funds. Renowned for great
value and outstanding service, we come highly recommended
by our members.
GMHBA offers a range of hospital, extras and combined covers
to suit different budgets and life stages. Whether you are
single, a couple, a single parent or a family, GMHBA has an
affordable private health insurance cover to suit your needs.
GMHBA is a fully compliant member of the private health
insurance code of conduct. GMHBA is a not-for-profit private
health insurance company governed by the Private Health
Insurance Act 2007, Private Health Insurance Rules 2007
and our fund rules.
Information in this member guide is designed for people
who have full Medicare eligibility and is current as at
the 1st of April 2013 and replaces all earlier versions.
It summarises our policies, benefits, premiums, and fund
rules which are subject to change from time to time.
Any personal information provided to GMHBA will be
treated in accordance with our Privacy Policy.
Please read this member guide carefully including the
important information on pages 38-50 and retain with
any other GMHBA documents. Please call our customer
service centre on 1300 446 422 if you would like clarification
on any of the terms used, or simply want help choosing your
health cover.
We recommend you contact GMHBA for a benefit estimate
before commencing treatment to confirm the benefit payable.