privateOnline Signup

GMHBA

90Score

★★★★☆4.2

Customer satisfaction · 200K members

Canstar: Outstanding Value Health Insurance 2025(2025)

GMHBA is a regional not-for-profit mutual with national reach, based in Geelong, Victoria. It also operates Frank Health Insurance as a budget brand targeting younger members. GMHBA received multiple Canstar Outstanding Value awards in 2025 and owns dental, eye care, and GP clinics.

Overall Score

90/100

Founded

1934

Headquarters

Geelong, Victoria

Type

private

Get a Free Quote→

No obligation. Compare personalized rates.

Key Metrics

Structure

Not-for-profit mutual

Budget Brand

Frank Health Insurance

Integrated Services

Dental, eye care, GP clinics

Awards

Canstar Outstanding Value 2025 (multiple states)

Editorial Ratings

Canstar: Outstanding Value Health Insurance 2025(2025)

Rating: Outstanding Value — Health Insurance Australia (multiple states, 2025) (max: 5 Stars / Outstanding Value)

90Canstar

Coverage Highlights

✓Multiple Canstar Outstanding Value awards (2025)
✓Dual-brand strategy: GMHBA + Frank (younger market)
✓Owns dental, eye care practices, and GP clinics
✓Not-for-profit with competitive premiums
✓National reach despite Geelong regional base

Pros

✓Excellent Canstar ratings (multiple Outstanding Value awards 2025)
✓Not-for-profit with competitive premiums
✓Dual-brand strategy (GMHBA + Frank for younger market)
✓Integrated health services (dental, optical, GP)

Cons

✗Relatively small membership base (~200,000)
✗Regional roots may limit provider agreements in some areas
✗Less brand recognition nationally than top 5

Frequently Asked Questions

What is Frank Health Insurance?

Frank Health Insurance is GMHBA's budget brand, designed for younger members seeking simpler, more affordable health cover. Both Frank and GMHBA are operated by the same not-for-profit mutual.

Does GMHBA own health clinics?

Yes. GMHBA owns and operates dental practices, eye care centres, and GP clinics, primarily in the Geelong and Greater Melbourne area.

Is GMHBA available nationally?

Yes. Despite its Geelong regional base, GMHBA offers health insurance nationally to all Australians and has won Canstar awards across multiple states.

Quick Summary

InsurerGMHBA

Country🇦🇺 Australia

Overall Score90/100

Satisfaction4.2/5

Members200K

Typeprivate

Founded1934

Other Insurers in Australia

Latrobe Health Services

private

/ 100

HCF (Hospitals Contribution Fund of Australia)

private

/ 100

HBF Health

private

/ 100

Bupa Australia

private

/ 100

Teachers Health Fund

private

/ 100

Ready to get covered?

Get a personalized quote from GMHBA today.

Get Free Quote→