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GMHBA
sa  |  Extras  |  Family

GMHBA SmartCare Complete Extras with sub-limits

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Fund overview

Member benefits and HQ costs relative to members' premiums

This policy is underwritten by GMHBA Limited, which is the 8th largest fund by number of insured people in Australia.
Learn more about funds
Treatment
Coverage
Wait (months)
Example rebates
Annual limits
Acupuncture
Description

Acupuncture treatment involves inserting small needles into various points in the body to stimulate nerve impulses.

Covered
2
Initial visit: 60%
Subsequent visit: 60%
$1500 per person
$750 per service
Audiology
Description

Audiologists specialise in the science and medicine of hearing. An audiologist can assess your hearing, give advice on whether you need hearing aids, provide counselling and teach lip-reading.

Covered
2
Initial visit: 60%
Chiropractic
Description

Chiropractors use spinal adjustments to treat health problems that are related to nerves, skeletons and muscles.

Covered
2
Initial visit: 60%
Subsequent visit: 60%
General dental
Description

Treatment for or relating to your teeth provided by a dentist or a dental surgeon. Typically this includes check-ups, cleans, and simple fillings. See also: Major dental.

Covered
2
Periodic oral exam: 100%
Scale and clean: 100%
Fluoride treatment: 100%
Major dental
Description

Significant dental services, such as complex fillings, tooth extractions, crowns and bridges.

Covered
12
Extraction: 60%
Full crown veneered: 60%
Endodontic services
Description

Specialised dental treatment relating to dental pulp. This includes treating tooth pain and root canal treatment.See also: General dental, Major dental.

Covered
12
Filling of one root canal: 60%
Blood glucose monitors
Description

A device to measure the concentration of glucose in the blood. Benefits for blood glucose monitors may be deducted from an overall health aid limit – check with your insurer for details.

Covered
12
Blood glucose monitor: 60%
Hearing aids
Description

A device to amplify and change sound to assist people with hearing impairments. Benefits for hearing aids may be deducted from an overall health aid limit.

Covered
12
Hearing aid: 60%
Orthodontics
Description

The branch of dentistry that specialises in the diagnosis, prevention and treatment of dental and facial irregularities. This generally involves the use of braces, removable appliances, functional appliances or headgear.

Covered
12
Braces for upper and lower teeth plus fitting of retainer: 60%
Orthotics (podiatric orthoses)
Description

Specially designed shoe inserts that support the feet and improve foot posture. '1 appliance' generally means one pair of orthotics.

Covered
12
Orthotics supply and fit: 60%
Osteopathy
Description

Osteopathy is a holistic approach to health that stresses manual readjustments and physical manipulation of muscle tissue and bones, e.g. individual exercise routines, relaxation techniques, or body awareness sessions.

Covered
2
Initial visit: 60%
Physiotherapy
Description

Physiotherapists treat injury, disease and disorders through physical methods. Physiotherapy uses manual therapies, exercise programs and electrotherapy techniques to improve movement, reduce pain and stiffness, and increase quality of life.

Covered
2
Initial visit: 60%
Subsequent visit: 60%
Podiatry
Description

Podiatrists are specialists in foot, ankle and lower limb health.

Covered
2
Initial visit: 60%
Subsequent visit: 60%
Psychology
Description

Psychologists deal with people in their everyday lives or within their work environment to help them function better and to prevent the development of problems in mental and physical health. Some general treatment policies provide benefits for psychology - check with health insurers for details.

Covered
2
Initial visit: 60%
Subsequent visit: 60%
Remedial massage
Description

Deep massage to treat injuries and speed recovery (for example, strains, sprains, bruising).

Covered
2
Initial visit: 60%
Subsequent visit: 60%
Optical (glasses)
Description

Includes prescription lenses, spectacle frames, and contact lenses. Insurers do not pay benefits for optometrist's consultations as these are generally eligible for Medicare benefits.

Excluded
-
-
-
Non-PBS Pharmacy
Description

Includes prescription pharmaceuticals which are not listed on the Australian government’s Pharmaceutical Benefits Schemes (PBS). Pharmaceutical benefits usually require a co-payment from you.

Excluded
-
-
-

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