Health insurance rewards

These days many health funds give you health insurance rewards when you take out a policy with them. This can include frequent flyer points, discounts on gym memberships, health management courses and money off retail. We've listed some of the perks currently available below (September 2021).

1. Frequent flyer rewards

Health insurance providers associated with airline brands often give you frequent flyer points for every dollar you pay in premiums. You can use them towards travel and retail, plus most automatically reward you a large amount of points when you sign-up.

• Participating health funds offering frequent flyer rewards

  Health fund	Member reward	Apply
  	120,000 points when you sign up (T&Cs apply) Access to the Qantas Wellbeing App	Get quote

2. Health and wellbeing rewards

Health insurance policies often include incentives such as discounted access to health-related products and services or benefits that reward members for maintaining a healthy lifestyle. This can include discounted gym memberships, children's swimming classes, quit smoking classes, group exercise classes and weight loss programs.

• Participating health funds offering health and wellbeing rewards

  Health fund	Member reward	Apply
  	Offering up to 120,000 Qantas Frequent Flyer Points to new members who sign up for top health cover plus the chance to earn up to an additional 20,000 Qantas Points per year by participating in daily and weekly health challenges	Get quote
  	Save up to 25% off casual gym visits with GymBetter Get 20% off Michelle Bridges 12WBT 25% off Fitbit trackers and Aria scales 25% off selected TomTom sports products Link an eligible Fitbit wireless device and collect 10 flybuys points for each day you hit 10,000 steps 15% off Active Plus memberships at Goodlife 15% off pregnancy and recovery wear Medibank members can enjoy discounts on the full-priced range of styles from SRC Health.	Get quote
  	Get 15% off online prices at AOK for exercise equipment including heart rate monitors, kettlebells and yoga mats, 25% off any new Jenny Craig or Jen4Men membership and 3 free group training sessions at Step into Life	More info
  	Spectacular savings at Specsavers - 25% off a single pair of prescription glasses at Specsavers, from the $149 range or above Get 15% off new selected memberships at Goodlife Get 20% off Lenses and lens extras, and 10% off contact lenses at OPSM	Get quote
  	Access to AIA Vitality When you engage with AIA Vitality and reach AIA Vitality Silver Status you can unlock even more health insurance benefits like, 100% refund on hospital excess, extra 10% back on non-dental extras and 5% off your premium. Claim 100% of your hospital excess - If you have held an AIA Health policy for a minimum of six months and have an AIA Vitality Status of Silver or above, we will refund your excess in the event that you're admitted to hospital. Excess Refund is not available when claiming on the following clinical categories: Cataracts, Joint replacements, Dialysis for chronic kidney failure, Pregnancy and birth, Assisted reproductive services, Weight loss surgery, Insulin pumps, Pain management with Device & Sleep Studies. 10% AIA Vitality boost - Once you reach and maintain AIA Vitality Silver Status you will get an additional 10% back on your non-dental extras (up to annual limits). 5% off your premium - Receive a 5% discount on your AIA Health Insurance premium when you first join and for as long as you maintain AIA Vitality Silver Status or above. OPSM - Up to 20% off lenses and lens add-ons; 10% off contact lenses 15% off non-prescription sunglasses; 5% off and free delivery on contact lenses online Q Optical Network - One complete pair of No GAP Spectacles; Free Second Pair with every pair of full priced prescription spectacles; or 50% off Second pair; or Free Plano Cancer Council Sunglasses (or equivalent) from select range; 15% off RRP of contact lenses or special promotion price (whichever provides greater benefits) Specsavers - 25% off 1 pair from; $149 20% off lens options; Free lens assessment Bulk billed eye tests clearly - 20% off all lenses; 12% off all contact lenses eyebenefit - 20% off a pair of complete spectacles;15% off lenses; 10% off contact lenses Laubman&Pank Optometrists - 20% off lenses and lens add-ons; 10% off contact lenses; 15% off non-prescription sunglasses	More info
  	Receive a 30% discount on small, medium and large First Aid Kits when purchased online at St.John Receive 20% off all full-priced, branded Cancer Council products purchased online. 15% off Solbari - Purchase online and enjoy a 15% discount on all Solbari sun protective clothing, sun hats and accessories Get a 20% discount off the RRP on the range of sunglasses displayed at any National Pharmacies Optical store. Up to 15% off a range of optical products at OPSM and Laubman & Pank and Sunglasses Hut. Save up to 26% on a selected range of custom engraved MedicAlert medical identification jewellery.	More info
  	Great dental offers - Get up to 100% back on selected dental treatments Depending on your level of cover, you can get back either a set dollar amount or a set percentage of up to 100% on the cost of selected dental treatments (up to your yearly limit). Great Optical Cover - Get up to 100% back on prescription glasses and contact lenses Depending on your level of cover, you can get back up to 100% on the cost of prescription glasses and contact lenses, up to your yearly limit (waiting periods apply).	More info
  	As part of recent healthcare changes, Medicare is limiting who can get bulk-billed GP telehealth sessions. If you're an HCF member and Medicare doesn't cover you for bulk-billed GP2U consultations, we will^. If you're not eligible for Medicare we may be able to give you free access to online GP2U consultations until at least 31 December 2021	Get quote

3. Health management benefits

Some health funds are providing practical assistance with health issues in the form of free or discounted access to programs and classes related to specific health issues. This can include chronic illness recovery classes, diabetes management programs, asthma management classes and weight management programs.

• Participating health funds offering health management benefits

  Examples of health funds offering such benefits include:

  Health fund	Member reward	Apply
  	Mental health support	Get quote
  	Mental Health Support, Living With Chronic Conditions, Preparing for Parenthood and Receiving Hospital Care In Your Own Home	More info
  	As an AIA Health member, if you're diagnosed with an eligible medical condition, you'll receive a minimum of three months complimentary access to Personal Health Mentor support services from Medix.	More info
  	Mental Health Support Bupa Health support programs to help find a healthier you. From rehab, chemotherapy and palliative care delivered at home, to phone-based coaching and mental health support for new parents, our programs are designed to help support you and your family's health and wellbeing. It's all part of our commitment to helping you live a longer, healthier, happier, life	More info
  	Mental health and well-being program Wealth management program	Get quote
  	Benefits for selected health screening tests not covered by Medicare including bowel screening, kidney checks, bone density tests and mole mapping	More info
  	Access to nib Health Management Programs	More info
  	Mental health - MindStep is included (that's free with no extra cost to participate!) on the following covers: Silver Hospital, Silver Plus Hospital, Gold Hospital and our closed covers Mid Hospital (Basic Plus) and Premium Hospital (Gold).	Get quote
  	Mental health support	More info
  	Mental health support	More info

4. Retail rewards and discounts

Lots of health insurers give you discounts on shopping with specific brands and retailers. This can include e-Gift cards, discounted movie vouchers, cash back on flights and hotel bookings you make and money off opticians like Specsavers and OPSM.

• Participating health funds offering money off retail

  Health fund	Member reward	Apply
  	10% off Medibank Life Insurance Premiums 10% off Medibank Pet Insurance 15% off Travel insurance Up to 15% off ahm car insurance Up to 30% off ahm home and contents insurance Get rewarded with our partner brands Eligible Medibank members with hospital or extras cover can shop with our partners to earn Live Better points that you can redeem for a range of partner rewards in the Live Better app Treat yourself by redeeming Live Better points on new workout essentials like the latest adidas footwear, clothing and accessories at adidas Earn 5 Live Better points for every $1 spent (5% back in points) on non-prescription items in-store at Amcal pharmacies. This is on top of 5 Amcal Rewards points. You can also redeem Live Better points for e-gift cards that can be used at over 200 Amcal pharmacies nationwide. Stay healthy, active and connected by spending your Live Better points on a range of Apple products like Apple Watches and Beats Headphones. Earn 15 Live Better points per $1 spent (15% back in points) on full price items and 10 points on discounted items when you shop Brooks Running gear, apparel and accessories online. You can also convert your points into Brooks e-gift cards Earn 20 Live Better points for every $1 spent (20% back in points) on Fitbit at their online store. You can also redeem your points for a range of Fitbit e-gift cards. Earn 10 Live Better points (10% back in points) for every $1 when shopping at Onsport online, which has over 150 sport, fitness and outdoor and equipment brands. You can also redeem your Live Better points for Onsport e-gift cards. Earn 3000 Live Better points, when you purchase The Fast 800 weight loss program. You can also earn 300 Live Better points for each monthly subscription afterwards and redeem Live Better points for The Fast 800 e-gift cards Earn 1000 Live Better points on every online purchase of up to 10 boxes of healthy meal-kits with recipes and local ingredients delivered weekly to your door.	Get quote
  	Access to AIA Vitality When you engage with AIA Vitality and reach AIA Vitality Silver Status you can unlock even more health insurance benefits like, 100% refund on hospital excess, extra 10% back on non-dental extras and 5% off your premium. Claim 100% of your hospital excess - If you have held an AIA Health policy for a minimum of six months and have an AIA Vitality Status of Silver or above, we will refund your excess in the event that you're admitted to hospital. Excess Refund is not available when claiming on the following clinical categories: Cataracts, Joint replacements, Dialysis for chronic kidney failure, Pregnancy and birth, Assisted reproductive services, Weight loss surgery, Insulin pumps, Pain management with Device & Sleep Studies. 10% AIA Vitality boost - Once you reach and maintain AIA Vitality Silver Status you will get an additional 10% back on your non-dental extras (up to annual limits). 5% off your premium - Receive a 5% discount on your AIA Health Insurance premium when you first join and for as long as you maintain AIA Vitality Silver Status or above. OPSM - Up to 20% off lenses and lens add-ons; 10% off contact lenses 15% off non-prescription sunglasses; 5% off and free delivery on contact lenses online Q Optical Network - One complete pair of No GAP Spectacles; Free Second Pair with every pair of full priced prescription spectacles; or 50% off Second pair; or Free Plano Cancer Council Sunglasses (or equivalent) from select range; 15% off RRP of contact lenses or special promotion price (whichever provides greater benefits) Specsavers - 25% off 1 pair from; $149 20% off lens options; Free lens assessment Bulk billed eye tests clearly - 20% off all lenses; 12% off all contact lenses eyebenefit - 20% off a pair of complete spectacles;15% off lenses; 10% off contact lenses Laubman&Pank Optometrists - 20% off lenses and lens add-ons; 10% off contact lenses; 15% off non-prescription sunglasses	More info
  	Up to 25% off a single pair of glasses Specsavers Get 15% off new selected memberships at Goodlife Get 20% off Lenses and lens extras, and 10% off contact lenses at OPSM	Get quote
  	Get 10% off 3 and 12-month contract memberships at Fitness First save on healthy food guide magazine 15% off Goodlife health clubs 25% off Reebok clothing & footwear purchased online. 20% off New Balance on selected full-priced online products. Get 20% off from Zap Fitness 24/7 on the 12-month Everyday Membership. Receive 15% off new 3 and 12-month Fitness First memberships plus a free fitness program when you join. Receive FREE Personal Training sessions and no joining fee for new members from Vision Personal Training What's better than getting fit? How about 15% off the monthly membership fee from EfM Health Culbs. Purchase online for 20% off full priced Speedo products (excludes LZR Fastskin Racing Suits). 20% off Garmin products Get up to 25% off for full-priced products online, plus free shipping on orders over $100 at Essence 30% off selected Blackmores products purchased online at Blackmores 3x points on fresh fruit, fresh veg and Macro Wholefood Market when you shop at Woolworths for the first 60 days (from the day you link your accounts). Sign-up to Dinnerly and access $100 off your first 4 boxes - that's $25 off per box. Receive 25% off the CSIRO Total Wellbeing Diet – 12 Week Online Program. Up to 70% off Australian NaturalCare vitamin range. Sign up to Marley Spoon and receive $30 off your first 4 boxes – that's $120 saved. Get a head start on your health with one month free on selected 3-month plans Access to boosters so you can collect even more points when you shop in-store or online 15% off Bupa Travel Insurance Save up to 8% on a range of online Emirates fares. Receive a 10% discount on Avis and Budget car rentals within Australia. Get 6% back on accommodation bookings. 10% off our Room Only Rates at Sea World Resort and Paradise Country and 10% of our Theme Park Packages at Sea World Resort. Shop online to receive 25% off full priced Ergobaby products. Receive 10% off selected full priced items purchased online at Baby Village	More info
  	Wellplan Rewards - With Wellplan Rewards, you can save money on everyday things like groceries, petrol and movie tickets. It's free for Australian Unity health insurance members Refer a friend Program - If you've got Australian Unity health insurance, you can get rewarded for telling your friends and family about us. With "Member Get Member" you'll receive a $100 gift card* every time a friend you refer joins Australian Unity and takes out Hospital, Combined Hospital and Extras, or Overseas Visitors Cover. Just make sure that they give us your details when they sign up.	More info
  	Save 15% - 40%* off dental treatments with smile.com.au OPSM (Luxottica Group) In-store optical discount *20% off lenses and lens add-ons *15% off non-prescription sunglasses *10% off contact lenses purchased in-store *5% off + free delivery on contact lenses from opsm.com.au * Eye test bulk billed to Medicare Online optical discount from OPSM: *Enter promo-code FRANKSUN15 to save 15%off sunglasses *Enter promo-code FRANKC5 to save 5%off contact lenses Laubman & Pank In-store optical discount *20% off lenses and lens add-ons *15% off non-prescription sunglasses *10% off contact lenses purchased in store *Eye test bulk billed to Medicare Specsavers In-store optical discount *25% discount for 1 pair of complete glasses (frames & lenses) from the $149 range and above purchased at retail stores EyeBenefit In-store optical discount 20% discount on complete glasses (e.g. frame and lenses) 15% discount on lenses only 10% discount on contact lenses GMHBA Eye Care In-store optical discount 20% off* products and non-medicare rebatable services * Discount cannot be used in conjunction with any other specials offers or be applied to government subsidised products, corporate packages and sale items. Dresden Vision In-store optical discount One complete pair of standard multifocals no gap (frames and lenses), plus $75 off extras* Three complete pairs of standard single vision no gap (frames and lenses), plus $75 off extras*	More info
  	HCF members can save up to 15% on cover that matches your pet's life-stage and need	Get quote
  	So, feel free to spread the word to your mates & rellos. After all, we're all in this together. To say thanks, if they join we'll send you both a free $100 EFTPOS gift card (per new membership) and put you both into the draw to WIN a $500 EFTPOS gift card! If you're a Peoplecare member with Extras cover, you'll get: 25% OFF our entire range of glasses, contacts and sunglasses, and a range of no gap eyewear to choose from at Peoplecare Eyes & Teeth. No Extras cover? Don't worry! You'll still get 25% OFF glasses, contacts and sunglasses and lower out-of-pocket costs for dental services at At Peoplecare Eyes & Teeth You can now visit any of the friendly smile.com.au dentists around the country and you'll get 15%-40% OFF their usual fee for all treatments - just for having Extras cover with Peoplecare! Eyebenefit provides quality optical services and competitive discounts to members of Peoplecare. As a Peoplecare member you can get: 20% discount for 1 pair of complete glasses (frames and lenses; 15% discount on spectacle lenses only; 10% discount on contact lenses Specsavers - 25%* discount for 1 pair of complete glasses (frames and lenses) from the $149 range and above purchased at retail stores [*No discount on two pair deals or complete glasses with less than $149 value.]; 20% discount on optical extras (includes Suntint and UV Filter, Polaroid lenses, Transitions lenses, Driving tints, Drivewear lenses, Thin and Light lenses); Free contact lens assessment, fitting and trial (no discounts apply to contact lens purchases); Eye tests bulk billed to Medicare plus free Digital Retinal Photography Laubman & Pank - 20% off lenses; 20% off lens extras (such as anti-reflective UV coating and tinting); 15% off non-prescription sunglasses; 10% off contact lenses purchased in store Community First Credit Union - Same low rate of 8.99% p.a* on purchases, cash advances and balance transfers; Up to 55 days interest free Low annual fee of $40; For each card issued, Community First will donate $20 to the McGrath Foundation for every year the card is held	Get quote

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