Age-based discount

To help make private health insurance more affordable, we offer a discount of up to 10% for people who join selected hospital covers before the age of 30.

The discount applies to the full cost of the hospital component on eligible covers.


Age upon joining	Discount
Under 26	10%
26	8%
27	6%
28	4%
29	2%

As long as you retain an eligible policy the discount applies until you turn 41, then decreases by 2% per year.

Government initiatives

Australian Government rebate on private health insurance Medicare Levy Surcharge Australian Government private health insurance reforms Lifetime Health Cover Loading (LHC) Lifetime mental health waiting period waiver Pharmaceutical Benefit Scheme Medicare Safety Net Medicare Benefits Schedule Age-based discount

Using your extras

What's covered? What's not covered? Waiting periods Out-of-pocket expenses Dental treatments Telehealth services Find a provider Health management benefit Dental preferred providers

Going into hospital

What's covered? What's not covered? Waiting periods Hospital treatment costs Paying for hospital costs Access Gap and out-of-pocket expenses Find a hospital Pre-existing ailments Pregnancy and birth After-hospital care

Member resources

Mates Rates CSIRO Total Wellbeing Diet Make a claim Change membership details Rate change facts Where do your premiums go? Suspend your membership Authority to access membership Pet insurance Pregnancy to Parenthood Premium payment options Pregnancy to Parenthood Tell a mate Health support programs Aged care transition & advisory services Care Coordination Program Forms Product guides Mobile app