Health insurance with gym membership benefits

Extras cover often pays benefits towards a gym membership, yoga, and even massage. You can generally apply for a discount on a yearly membership or receive a refund back.

Simply look for diet and lifestyle limits when searching for an extras policy.

One of the little-known benefits of having extras cover is that many funds cover some of the costs associated with gym memberships. Depending on who you have your extras cover with, you may be able to claim roughly $200 towards the cost of gym memberships per year.

Alternatively, many funds have agreements with gyms and can provide you with access to memberships at a discounted rate.

Which Australian health funds offer gym membership rebates?

When you're looking to see if health insurers covers the gym, it can sometimes be called 'health improvement'. When you dig into the extras policies, there are lots of options for rebates available. Claiming your gym limit is easy, in this case - simply visit the doctor and get a referral note to get a refund from your insurer.

Provider	Policy	Annual Limit	Price per month	Apply
	Mid Extras	$50 rebate on health management programs	$30.30	Go to Site
	lifestyle	$250 rebate for health improvement Plus 10% off Fitness First	$51.00	Go to Site

_{*Quotes are based on single individual with less than $90,000 income and living in Sydney.}

What do you need to claim for gym memberships?

Health insurance gym benefits differ with each fund's extras policies. According to the Private Health Insurance Act, a benefit can only be paid if it is part of a fitness program to treat an existing medical condition.

How much cover you receive for these health-related activities depends on your insurer, the level of cover you have with them and the benefit limits that apply to your policy. In order to claim you typically require:

• An extras health insurance policy that includes reimbursement for gym membership.
• A referral from a GP or health professional.
• Receipts from your gym membership or fitness classes.

What health maintenance services can be covered?

Health maintenance programs contain a range of services covered by private health insurers which are designed to prevent illness and promote healthier living. Insurers reward participation in these programs, not so much out of the goodness of their hearts, but to reduce the likelihood of their members making claims – but either way, everybody wins.

Typical health maintenance services include:

How much can you claim back?

The amount you can save on gym membership with health insurance depends on the level of cover offered by your policy. Maximum benefit limits are typically only a few hundred dollars a year, so you would need to weigh up the benefits versus costs to decide if it is the right sort of cover for you.

If you suffer from a chronic medical condition where such health services would be of benefit to you, it may be well worth your while to be covered. Or if they are services that you use regularly anyway, paying a few hundred dollars less for them every year would obviously make sense.

Either way, claiming for these services is generally a retrospective process, so you need to pay for them yourself upfront and then seek reimbursement from your insurer, armed with evidence such as a GP referral and receipts proving it is a registered and approved facility.

What is excluded from cover?

Exclusions or circumstances where a benefit would not be paid on this type of cover might include:

• If the gym or fitness centre is not approved by your insurer (some insurers require that you only attend facilities they have an agreement with).
• If the service was not medically necessary (many insurers require you to have a referral from a healthcare professional such as a GP, physiotherapist, chiropractor or specialist).
• If you hire a personal trainer or join a 24-hour fitness centre (some insurers don’t recognise these services).

Are personal trainers covered?

A possible reason why some insurers won’t cover the cost of a personal trainer is because the industry is largely self-regulated and only around two-thirds of personal trainers are registered with industry associations such as Fitness Australia or Physical Activity Australia. Registration with these organisations guarantees a personal trainer is qualified (minimum Certificate IV in Fitness, ideally Diploma of Fitness).

If you are thinking of using a personal trainer, make sure they are qualified and also:

• Insured. Public liability and professional indemnity insurance for personal trainers is optional, but necessary to protect you if you suffer a loss or are injured while using their services.
• Recommended. A good personal trainer should be able to provide references from satisfied customers and be happy to do so, so make sure you ask.
• Affordable. A one-on-one session with a personal trainer can cost anywhere from $50 to $90 an hour and payment should be as-you-go, rather than requiring large sums upfront.
• Personable. A good personal trainer is friendly, likeable, knowledgeable, patient and firmly focused on helping you achieve your goals.

How about membership discounts?

If you're looking to sign up to a new gym and kickstart your fitness regime, you may also be able to get a discount on your weekly rate. Some examples from policies on finder.com.au include:

• ahm - Sign up for a Goodlife or Fitness First to save 10%.
• myOwn - through AIA Vitality you can save 50% on selected Virgin Active memberships (and 30% off Fitness First).
• HCF - Members can get a 10% discount on a 3 or 12-month membership with Fitness First.

Compare extras cover

Compare over 30 Australian health funds, on your results page simply tick 'diet and lifestyle products' to see the policies which include health rebates.

Richard Laycock

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Richard Laycock is Finder's insurance editor, and has spent the last five years wrangling insurance product disclosure statements. His musings about insurance have appeared on Money Mag, Yahoo Finance, and Travel Weekly. When he’s not helping people make sense of insurance fine print, he is testing the quality of cocktails in his newfound home of New York. Richard studied Media at Macquarie University and The Missouri School of Journalism and has a Tier 1 Certification in General Advice for Life Insurance.

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