Can others operate the policy?

Spouse/partner authority

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.

Transaction authority

For any persons, other than your spouse/partner, to make transactions on your policy a Power of Attorney is required. 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

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

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

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