healthslips.com.au Policy Information

GMHBA Limited

GMHBA Top Extras 75% Benefits

$287.40 / month

(Before Rebate, Discount & Loading)

Available in SA

You may be entitled to an Australian Government Rebate on the above premium. Your premium may also include an insurer discount. Check with your insurer for details.

This policy covers: Two adults & dependants (3 or more people, only 2 of whom are adults).

Children (0 - 17), non-classified* dependant (18 - 20) and students (21 - 24), as well as persons with a disability who qualify as a child, non-classified* dependant and student in these age ranges. *Non-classified dependant: Dependant from the age of 18 to 20

Policy ID: GMH/I6C/SGOS2D

Source: Private Health Information Statement (PHIS)

Extras Cover

This health insurer does not operate a preferred provider scheme.

This policy includes General treatment (Extras) cover for

Treatment & waiting period (months)
Benefit limits per 12 months unless otherwise stated
Examples of maximum benefits
Acupuncture 2

$350 per person up to $700 per policy

combined limit for acupuncture & remedial massage

  • Initial visit: 75% of charge
  • Subsequent visit: 75% of charge
Ante-natal/Post-natal classes 2

$350 per person

  • Initial visit: 75% of charge
  • Subsequent visit: 75% of charge
Audiology 2

$500 per person

  • Initial visit: 75% of charge
  • Subsequent visit: 75% of charge
Blood glucose monitors 12

$200 per policy

  • Per monitor: 75% of charge
Chiropractic 2

$350 per person up to $700 per policy

combined limit for chiropractic, osteopathy & other services

sub-limits apply

  • Initial visit: 75% of charge
  • Subsequent visit: 75% of charge
Dietetics/dietary advice 2

$500 per person

  • Initial visit: 75% of charge
  • Subsequent visit: 75% of charge
Endodontic 12

$2,000 per person

combined limit for endodontic, general dental, major dental, orthodontic & other services

  • Filling of one root canal: 75% of charge
Exercise physiology 2

$500 per person up to $1,000 per policy

combined limit for exercise physiology, physiotherapy & other services

  • Initial visit: 75% of charge
  • Subsequent visit: 75% of charge
Eye therapy (orthoptics) 2

$500 per person

combined limit for eye therapy (orthoptics) & speech therapy

  • Initial visit: 75% of charge
  • Subsequent visit: 75% of charge
General dental 2

$2,000 per person

combined limit for endodontic, general dental, major dental, orthodontic & other services

sub-limits apply

  • Fluoride treatment: 75% of charge
  • Scale & clean: 75% of charge
  • Periodic oral examination: 75% of charge
Hearing aids 12

$1,500 per person

sub-limits apply

  • Hearing aid: 75% of charge
Major dental 12

$2,000 per person

combined limit for endodontic, general dental, major dental, orthodontic & other services

sub-limits apply

  • Surgical tooth extraction: 75% of charge
  • Full crown veneered: 75% of charge
Non PBS pharmaceuticals* 2

$350 per person up to $550 per policy

combined limit for non pbs pharmaceuticals & vaccinations

sub-limits apply

  • Per eligible prescription: 75% of charge
Occupational therapy 2

$500 per person up to $1,000 per policy

  • Initial visit: 75% of charge
  • Subsequent visit: 75% of charge
Optical 6

$250 per person

  • Multi-focal lenses & frames: 75% of charge
  • Single vision lenses & frames: 75% of charge
Orthodontic 12

$2,000 per person

$3,200 lifetime limit

combined limit for endodontic, general dental, major dental, orthodontic & other services

sub-limits apply

  • Braces for upper & lower teeth, including removal plus fitting of retainer: 75% of charge
Orthotics (podiatric orthoses) 2

$250 per person up to $115 per service up to $450 per policy

  • Orthotics supply & fit: 75% of charge
Osteopathy 2

$350 per person up to $700 per policy

combined limit for chiropractic, osteopathy & other services

  • Initial visit: 75% of charge
  • Subsequent visit: 75% of charge
Physiotherapy 2

$500 per person up to $1,000 per policy

combined limit for exercise physiology, physiotherapy & other services

sub-limits apply

  • Initial visit: 75% of charge
  • Subsequent visit: 75% of charge
Podiatry 2

$300 per person

sub-limits apply

  • Initial visit: 75% of charge
  • Subsequent visit: 75% of charge
Psychology 2

$500 per person up to $800 per policy

sub-limits apply

  • Initial visit: 75% of charge
  • Subsequent visit: 75% of charge
Remedial massage 2

$350 per person up to $700 per policy

combined limit for acupuncture & remedial massage

  • Initial visit: 75% of charge
  • Subsequent visit: 75% of charge
Speech therapy 2

$500 per person

combined limit for eye therapy (orthoptics) & speech therapy

  • Initial visit: 75% of charge
  • Subsequent visit: 75% of charge
Vaccinations 2

$350 per person up to $550 per policy

combined limit for non pbs pharmaceuticals & vaccinations

  • Per service: 75% of charge

Acupuncture

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person up to $700 per policy}

{combined limit for acupuncture & remedial massage}

Examples of maximum benefits

{Initial visit: 75% of charge}

{Subsequent visit: 75% of charge}

Ante-natal/Post-natal classes

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person}

Examples of maximum benefits

{Initial visit: 75% of charge}

{Subsequent visit: 75% of charge}

Audiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

Examples of maximum benefits

{Initial visit: 75% of charge}

{Subsequent visit: 75% of charge}

Blood glucose monitors

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$200 per policy}

Examples of maximum benefits

{Per monitor: 75% of charge}

Chiropractic

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person up to $700 per policy}

{combined limit for chiropractic, osteopathy & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: 75% of charge}

{Subsequent visit: 75% of charge}

Dietetics/dietary advice

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

Examples of maximum benefits

{Initial visit: 75% of charge}

{Subsequent visit: 75% of charge}

Endodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$2,000 per person}

{combined limit for endodontic, general dental, major dental, orthodontic & other services}

Examples of maximum benefits

{Filling of one root canal: 75% of charge}

Exercise physiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person up to $1,000 per policy}

{combined limit for exercise physiology, physiotherapy & other services}

Examples of maximum benefits

{Initial visit: 75% of charge}

{Subsequent visit: 75% of charge}

Eye therapy (orthoptics)

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for eye therapy (orthoptics) & speech therapy}

Examples of maximum benefits

{Initial visit: 75% of charge}

{Subsequent visit: 75% of charge}

General dental

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$2,000 per person}

{combined limit for endodontic, general dental, major dental, orthodontic & other services}

{sub-limits apply}

Examples of maximum benefits

{Fluoride treatment: 75% of charge}

{Scale & clean: 75% of charge}

{Periodic oral examination: 75% of charge}

Hearing aids

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,500 per person}

{sub-limits apply}

Examples of maximum benefits

{Hearing aid: 75% of charge}

Major dental

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$2,000 per person}

{combined limit for endodontic, general dental, major dental, orthodontic & other services}

{sub-limits apply}

Examples of maximum benefits

{Surgical tooth extraction: 75% of charge}

{Full crown veneered: 75% of charge}

Non PBS pharmaceuticals*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person up to $550 per policy}

{combined limit for non pbs pharmaceuticals & vaccinations}

{sub-limits apply}

Examples of maximum benefits

{Per eligible prescription: 75% of charge}

Occupational therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person up to $1,000 per policy}

Examples of maximum benefits

{Initial visit: 75% of charge}

{Subsequent visit: 75% of charge}

Optical

Waiting period:  6 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

Examples of maximum benefits

{Multi-focal lenses & frames: 75% of charge}

{Single vision lenses & frames: 75% of charge}

Orthodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$2,000 per person}

{$3,200 lifetime limit}

{combined limit for endodontic, general dental, major dental, orthodontic & other services}

{sub-limits apply}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: 75% of charge}

Orthotics (podiatric orthoses)

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$250 per person up to $115 per service up to $450 per policy}

Examples of maximum benefits

{Orthotics supply & fit: 75% of charge}

Osteopathy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person up to $700 per policy}

{combined limit for chiropractic, osteopathy & other services}

Examples of maximum benefits

{Initial visit: 75% of charge}

{Subsequent visit: 75% of charge}

Physiotherapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person up to $1,000 per policy}

{combined limit for exercise physiology, physiotherapy & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: 75% of charge}

{Subsequent visit: 75% of charge}

Podiatry

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: 75% of charge}

{Subsequent visit: 75% of charge}

Psychology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person up to $800 per policy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: 75% of charge}

{Subsequent visit: 75% of charge}

Remedial massage

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person up to $700 per policy}

{combined limit for acupuncture & remedial massage}

Examples of maximum benefits

{Initial visit: 75% of charge}

{Subsequent visit: 75% of charge}

Speech therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for eye therapy (orthoptics) & speech therapy}

Examples of maximum benefits

{Initial visit: 75% of charge}

{Subsequent visit: 75% of charge}

Vaccinations

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person up to $550 per policy}

{combined limit for non pbs pharmaceuticals & vaccinations}

Examples of maximum benefits

{Per service: 75% of charge}

This policy does not include General treatment (Extras) cover for

Chinese medicine
Health management / Healthy lifestyle
Home nursing

Other features of this general treatment cover: Annual sub-limit up to $500 p/p per year applies for preventative dental. Rates discounted for direct debit.

Ambulance cover

South Australia has a subscription service to cover ambulance within the state, with an additional fee to cover interstate travel (http://www.saambulance.com.au/ProductsServices/AmbulanceCover.aspx).

Insurer Details

GMHBA Limited

GMHBA Top Extras 75% Benefits

$287.40 / month

(Before Rebate, Discount & Loading)

Available in SA

Disclaimer: This document is not a Private Health Information Statement (PHIS), and it is not intended to replace that document. The details contained in the healthslips.com.au Policy Information was provided by the insurer to the Australian Government. It is intended as general information. It may not take into account your circumstances. For further information contact the insurer. Information used is Licensed from the Commonwealth of Australia under a Creative Commons 3.0 licence.Private Health Information Statement is available from the Private Health Insurance Ombudsman website at https://privatehealth.gov.au/dynamic/Premium/PHIS/GMH/I6C/SGOS2D

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