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How rates for member complaints, gap cover and ambulance.

CHOICE staff
CHOICE staff summary was an online-only health insurer with a focus on easy-to-understand policies and a simple claims process. It had about 95,000 members. It was launched in 2012 and acquired by GMHBA in 2015, an Australian health insurer with more than 80 years' history. On 1 July 2021 merged with GMHBA owned Frank.

Phone: 1300 481 506


Is nonprofit?

No, but's parent company, GMHBA, is nonprofit.

Does get many complaints from members? complaints rating: Medium

When we score policies we give each fund a complaints rating, based on the number of complaints and serious disputes the Ombudsman deals with. We take into account the size of the fund, so big funds don't get automatically penalised for having more complaints. The ratings are Low, Medium and High. A Low rating is better than a High rating – it means the fund has fewer complaints and fewer serious disputes for its size.

How good is's gap cover?

A medical gap is the difference between Medicare's recommended fee and what your doctor actually charges for a treatment or service.

Health funds have agreements with particular doctors and hospitals to cover all of the gap, which are called 'no gap agreements', or part of that gap, which are called 'known gap agreements' (these will have lower out-of-pocket costs, usually less than $500).

Our graphic below displays the CHOICE gap rating, which takes into account the percentage of services where members either paid no gap or a known gap, compared to the state average.

Rating scale

  • Well above average
  • Above average
  • Average
  • Below average
  • Well below average

How many hospital agreements does have in my state?

The benefit amount your fund pays you for hospital services depends not only on the type of cover you buy, but also whether your fund has an agreement with the hospital where you're treated. 

The table below shows how many hospital agreements has in your state compared to the fund with the highest number (the industry maximum). Note that public hospitals don't have agreements with specific funds and are generally treated as though they're agreement hospitals.

Does offer any discounts?

Discount for direct debit: 4%

Discount for annual prepay: None

Total discount for annual prepay via direct debit: 4%

Does offer ambulance cover?

All extras, hospital and combined policies have emergency ambulance cover.

Does offer family policies that cover adult children?

Yes, adult children are covered up to age 21 and up to age 25 if in full-time study.

Does let you claim online or in-app?

All extras can be claimed online.

We care about accuracy. See something that's not quite right in this article? Let us know or read more about fact-checking at CHOICE.