Extras cover often pays benefits towards a gym membership – you'll usually find it under the diet and lifestyle benefit. Alternatively, some funds give you access to gym memberships at a discounted rate. We've listed who below.
The table below outlines some of the annual limits of gym benefits that are included with extras cover with some of our partners. All prices are based on a single individual with less than $93,000 income and living in Sydney.
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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:
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:
This 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.
Exclusions or circumstances where a benefit would not be paid on this type of cover might include:
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If you're wondering what pharmaceutical costs are covered by private health insurance, we've got a guide to health cover for non-PBS pharmaceuticals here.
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