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.
List of Australian health funds offering loyalty bonuses
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:
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.
Depending on your age, you may be eligible for an
aged-based discount. This is used to estimate your
rebate.
Under 65
65 - 69
70 or older
What's your household's taxable income?
This is the combined income you and your spouse earn before tax. It's needed to calculate the correct Australian government rebate.
$93,000 and under
$93,001 to $108,000
$108,001 to $144,000
$144,001 and over
What kind of health insurance do you need?
Combined (Extras + Hospitals)
Extras
Hospital
What level of hospital coverage would you like?
You can change this at any time later.
Legend
Covered
Restricted cover, You may be partially covered for
this category.
Not covered. Optional for insurer to include.
*Prices updated March 2024, in line with Finder's
database of health insurance policies. Prices are based
on a single individual with less than $93,000 income and
living in Sydney with a $750 excess.
What extras cover do you need? (Optional)
Select as many as you want or move to the next step
Preventative & general dental
Major dental & implants
Optical
Physiotherapy
Podiatry
Non-PBS pharmaceuticals
Chiropractic
Emergency ambulance
Remedial massage
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What types of rewards do health insurers offer?
When shopping around for health insurance loyalty programs, look for:
Increased claims. This type of program gives you an increased benefit limit on specified services the longer you remain a member. For example, your extras cover may offer $750 dental cover in your first year of membership, but this could then increase to $1,000 in your second year, $1,500 in your third year and so on, until you reach the policy’s maximum benefit limit.
Cover for out-of-pocket hospital expenses. Some insurers also allow loyal members to accrue reward points that can be used to cover out-of-pocket hospital expenses.
Earn points. When you become a member of a health fund, you can sometimes get frequent flyer points or points through other rewards programs such as Flybuys.
Discounted movie and sporting tickets. If your health fund has partnerships with cinema chains or ticket providers, you can get discounted movie tickets or reduced-cost entry to sporting events.
Discounted gym memberships. Some funds have a special deal with a nationwide gym chain, giving you access to discounted gym memberships.
Discounts at partner retailers. Some funds also have relationships with retailers, allowing you to access discounts and special offers on everything from sporting goods and vitamins to theme park entry and even hotel accommodation.
Giveaways. Many health funds run regular member-exclusive competitions to win items such as sporting goods, electrical items and even holidays. In some cases, being a long-term member of a fund may give you an increased number of competition entries.
Referral bonuses. If you refer a friend and they sign up to become a member of your health fund, your insurer may reward you with a gift card.
Finder survey: What is most important to Australians in different states when choosing a health fund?
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%
Source: Finder survey by Pure Profile of 1006 Australians, December 2023 Data for ACT, NT, TAS not shown due to insufficient sample size. Some other states may also be excluded for this reason.
What kind of services do these benefits typically apply to?
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:
General dental
Major dental
Orthodontics
Physiotherapy
Chiropractic
Podiatry
Hearing aids
Psychology
Remedial massage
Natural and alternative therapies
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.
Can I still access loyalty program benefits if I switch insurers or change my level of cover?
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.
Why you can trust Finder's health insurance experts
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You save time. We spend 100s of hours researching health insurance so you can sort the gold from the junk faster.
You can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.
Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio
Gary Ross's expertise
Gary Ross has written 725 Finder guides across topics including:
Find out which health funds offer rewards points and discount for getting healthy.
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You pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees.
You save time. We spend 100s of hours researching health insurance so you can sort the gold from the junk faster.
You can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.
