Rating: 4.5/5
Introduction
GMF Health is a company which focuses on providing health insurance at competitive prices. They dropped a number of their older products in order to introduce a line of simplified, straightforward covers.
For reviews of other insurance companies similar to this one, you should also check out Bupa Insurance Reviews, AMP Insurance Reviews and 1st for Women Insurance Reviews.
Features and Coverage
3 levels of cover are available:
Complete Hospital - Top level cover with a huge range of benefits often excluded in other covers. The policy offers:
- A fully covered private room in a public or GMF contracted private hospital
- Medical Gap Cover
- Ambulance
- Dialysis
- Gastric Banding
- Coronary/ Heart and cardiothoracic procedures
- Joint Replacement
- Maternity and assisted reproductive services
- Plastic and reconstructive
- Psychiatric Care
- Rehabilitation
- Theatre Fees
Mid Hospital is a value option which covers just a bit less than Complete.
Lite Hospital offers lower premiums for eliminating benefits you may not need.
You can save money on all 3 covers by opting for a $300 or $500 per person excess. The excess is waived if you don't stay overnight in a hospital.
Extras Covers are also offered at 3 levels.
- Complete Extras offers more than 25 benefits
- Mid Extras includes more than 20
- Lite Extras includes a few benefits, all of which are available in the higher-level covers:
- Ambulance
- Chiro
- General Dental
- Natural therapies
- Optical
- Pharmacy
- Podiatry
