Get the lowdown on health insurance loyalty programs
Take advantage of these funds’ health insurance loyalty programs and perks.
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:
| 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. | Get quote |
 | 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:
| More info |
 | 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:
| |
 | Depending on your level of cover, you can earn loyalty bonuses on the following extras services:
| More info |
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.
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.
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