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 of Silver+ Family Hospital, Silver+ No Pregnancy Hospital, Bronze+ Hospital, Basic+ Hospital and Bronze+ Young Choice, and Silver+ Active Choice* policies.

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

Member resources

Make a claim Change membership details Where do your premiums go? Suspend your membership Authority to access membership Premium payment options Pregnancy to Parenthood Age-based discount Health support programs Aged care transition & advisory services Care Coordination Program Forms Product guides Mobile app Are you a member and a provider?

Using your extras

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

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 Assisted reproductive services After-hospital care Voice of the patient survey

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 About health insurance