To help you make the most of your health cover, we've laid out some of the health insurance loyalty programs available in Australia. They range from increased benefit limits to discounts on things like gym memberships and retailers.
| Fund | Loyalty Bonuses | Apply |
|---|---|---|
 | Depending on your policy, ahm members are rewarded for their loyalty every 5, 10 and 20 they hold continuous cover with increased claims bonuses on various extras services including:
| Get quote |
 | Depending on your level of cover, you may be able to get a loyalty bonus for orthodontia. | Get quote |
 | Depending on your level of cover, you may be able to get a loyalty bonus for orthodontia. | Get quote |
 | HBF provide members, depending on their level of cover, with increasing claims levels on many extras benefits including:
| Get quote |
 | With Bupa's Extras cover, benefits increase based on how long you hold cover. You can get 90% to 100% back. | More info |
 | HCF Vital Extras and HCF Top Extras members can enjoy loyalty benefits on extras benefits including:
| Get quote |
 | Depending on your level of cover, you may be able to get a loyalty bonus for orthodontia. | More info |
 | Depending on your level of cover, you may be able to get a loyalty bonus for:
| More info |
 | Depending on your level of cover, you may be able to get a loyalty bonus for orthodontia. | More info |
 | If you have a Saver, Special, Super or Premium extras policies with HIF, you can claim more back on a range of services including:
| Get quote |
 | Depending on your policy, Mildura health offer increased claims for certain dental procedures including:
| More info |
 | Depending on your policy, Nurses & Midwives Health offer increasing limits for services such as:
| More info |
 | If you hold a Rolling Extras policy continuously for ten years, your Hearing Aid Lifetime Limit from $1,200 to $1,800 per person. | More info |
 | There is an increase in the overall benefit limits for dental (excluding orthodontics) and therapies by $50 after the first year of membership and then for each year after for the first five years of cover. | More info |
 | Depending on your level of cover, you can earn loyalty bonuses on the following extras services:
| More info |
 | Depending on your level of cover, you can earn loyalty bonuses on the following extras services:
| More info |
 | Depending on your level of cover, you can earn loyalty bonuses on the following extras services:
| More info |
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When shopping around for health insurance loyalty programs, look for:
| Response | WA | VIC | SA | QLD | NSW |
|---|---|---|---|---|---|
| The fund is trusted | 39.62% | 35.56% | 34.67% | 34.52% | 37.7% |
| The fund is not-for-profit | 20.75% | 15.93% | 10.67% | 14.72% | 16.93% |
| The fund is recommended by my friends or family | 18.87% | 12.96% | 12% | 9.64% | 12.78% |
| The fund has good online reviews | 13.21% | 13.33% | 5.33% | 12.18% | 13.74% |
| The fund is popular | 9.43% | 5.93% | 8% | 4.57% | 6.71% |
| The fund is good for the environment | 6.6% | 5.93% | 6.67% | 3.55% | 4.79% |
| The fund gives me reward points (e.g. Qantas, Frequent Flyer etc) | 5.66% | 5.56% | 4% | 3.05% | 6.39% |
| None of the above | 4.72% | 7.04% | 4% | 5.08% | 5.75% |
| The fund is restricted to my industry (e.g. teachers, defence etc) | 2.83% | 2.22% | 1.02% | 5.11% |
Where loyalty programs apply to the level of cover you are eligible to receive, they typically apply to a variety of extras cover benefits. Some of the healthcare services for which you can commonly access increased benefit loyalty rewards include:
It’s also worth pointing out that the Private Health Insurance Act 2007 imposes restrictions on the value of the promotions and discounts health funds can offer to their members. These limits are designed to ensure that the principle of Community Rating is upheld, ensuring that health funds don’t discriminate against people on the basis of their health, age or any other factor.
In most cases you'll forfeit any loyalty benefits that you've accrued with your old fund. However, some funds will recognise your years of membership with your old fund when determining your eligibility to access increased benefits as part of their own rewards programs, so check with your new fund to find out if this is possible before switching.
Find out how to get cheap health insurance for young people.
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Find out which health funds offer rewards points and discount for getting healthy.