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 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