GMF Health Insurance

HBF Health Insurance recently bought GMF Health Insurance, a provider of health insurance, life insurance, travel insurance, and pet insurance.
HBFGMF: Outstanding Value Award Winner

“Health insurance that’s made for you.” (GMF)

Here’s a snapshot of HBF’s current hospital and extras health cover for a single 29 year old male living in WA, who’s birthday is in January. The results are sorted by estimated monthly premium (lowest to highest) with links direct to the providers website.


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GMF Health Insurance FAQs

As you may know, GMF Health Insurance was recently bought out by HBF Health Insurance. You can buy an HBF health insurance policy by comparing health insurance on our health insurance comparison pages and clicking on one of their products.

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If you need help applying, you can contact HBF via live online chat on their website, or by calling 133 423 (open Mon-Fri).

Yes. As GMF and HBF are proud supporters of the environment, it’s encouraged that members manage their policy online. Unless you specifically ask for a printed copy, they will send you policy documents, tax statements and other communications electronically.

Yes. Your health insurance does not cover you overseas. If you are travelling overseas, you need travel insurance. HBF also offers travel insurance, and you can compare travel policies on the Canstar website.

And vice versa – travel insurance only covers you while you are away from home on a trip. While you are in Australia, you need health insurance if you want to be covered for private healthcare costs. Find out more about the difference between health insurance and travel insurance here.

You can compare travel insurance on the Canstar website:

Compare Travel Insurance

HBF extras cover policies include a dental benefit as standard. The level of cover you need will depend on the complexity and cost of the dental procedures you would like to have covered.

Compare HBF Health Insurance with Dental Extras

Once you’ve received medical treatment or made a purchase covered by your policy, the next step is to make a claim. There are several ways you can lodge a claim with HBF health insurance:

  1. On-the-spot: Around 20,000 Australian specialist providers have the HICAPS electronic claim system – just make sure you remember to bring your GMF or HBF membership card to process the claim immediately.
  2. Mobile app: Make claims using the HBF Health app. Simply take a photo of your receipt using your smartphone and submit the claim for a benefit instantly (requires connection via mobile data or WiFi).
  3. Online: Log into your myHBF account to make your claim online. Simply the details found on your receipt, and have your BSB and bank account number ready for immediate transfer of your benefit from HBF into your bank account.
  4. By Post: You can fill out a claim form, attach your invoice and receipt from the specialist provider, and post this paperwork to:


GPO Box 1440

Perth WA 6809

HBF will then make the payment, either by bank transfer or by sending you a cheque.

HBF offers Overseas Student Health Cover (OSHC) for international students who are planning to study in Australia. Their policy is fully compliant with the necessary student visa conditions, and includes benefits such as hospital treatment cover, emergency ambulance transport, medication, a free interpreter service, 24-hour helpline, and stress counselling. Find out more by comparing OSHC policies on our website:

Compare OSHC Health Insurance

HBF offers Working Visa Health Cover for those visiting Australia on a working visa. Find out more by comparing working visa health cover on our website:

Compare Working Visa Health Cover

GMF was founded in 1953 in Kalgoorlie, WA, as the Goldfields Medical Fund. In 1992 in Kalgoorlie, HealthGuard Health Benefits Fund was founded, which would later join forces with GMF in 2002. Since June 2015, GMF has been owned by HBF.

GMF won the coveted CANSTAR Award for Outstanding Value Health Insurance (WA) in 2015. GMF is one of the not-for-profit Members Own Health Funds in Australia, meaning profits are returned to members in the form of cheaper premiums.

Parent company HBF provides strong support to the Australian community. Each year, HBF employees based in Western Australia donate about $50,000 to local charities through payroll deductions, plus another $50,00 from fundraising activities.

Compare GMF Health Insurance

Written by: TJ Ryan | Last updated:

Sponsored products are paid advertisements and do not include all providers. Canstar receives a fee for referring you to the advertiser. Canstar is not giving you advice in relation to sponsored products. 

Products displayed above that are not “Sponsored” are sorted by monthly premium. Canstar may receive a fee for referral of leads from these products. See How We Get Paid for further information. If you decide to apply for health insurance, you will deal directly with an insurance provider, and not with CANSTAR.

Consider the provider’s detailed product and pricing information before making a decision to purchase a policy. The products displayed on this page do not include all providers and may not compare all features relevant to you. View the Canstar Health Insurance Star Ratings Methodology and Report. The rating shown is only one factor to take into account when considering products.

For more information, read our detailed disclosure, important notes and additional information.

The Star Ratings in this table were awarded in September, 2016 and data is as at that date, updated from time to time to reflect product changes notified to us by product issuers.