Premium payment options

Direct debit

Payments can be debited fortnightly, monthly, quarterly and half-yearly.

Rate protection

You may pay your membership for up to six months in advance at the rate that applies at that time. This means that you will not have to pay extra for the period covered by your premium payment if premiums increase during the period for which you have paid. Rate protection will cease if you change your level of cover or suspend membership. Any amount paid in advance of the date of the cover change or suspension will be applied at the rate that is current at that time.

Member resources

Make a claim Change membership details Rate change facts Where do your premiums go? Suspend your membership Authority to access membership Premium payment options Pet insurance Safe Sleep Space Program Refer a friend Strive for Health 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 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