Can others operate the policy?

A policyholder can request that their spouse/partner (on the same policy) be authorised to operate the policy on the same level as the policyholder (excluding joining/terminating membership and removing dependants). This can be done by contacting us or by submitting the Authority to Access Membership form. The policyholder may withdraw the authority at any time by notifying us, in writing or over the phone.

In any other circumstances, we will only take instructions from someone that is named by the policyholder under a Power of Attorney. You can also authorise a third party to enquire about your membership but not make any transactions on your behalf using the Authority to Access Membership form.

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