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Health insurance gym membership

Save on exercise: get health insurance with gym membership rebates and discounts.

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.

Compare health insurance gym membership rebate options

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.

1 - 3 of 3
Name Product Treatments Price Apply
Simple Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +1 other treatments covered
$28.24
per month
HCF MID EXTRAS
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +2 other treatments covered
$35.06
per month
Lifestyle Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +4 other treatments covered
$57.41
per month
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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?

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.

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).

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