Get the lowdown on health insurance loyalty programs

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: Audiology Chiropractic Complex dental Major dental Occupational Therapy Optical Orthoptics Orthodontics Osteopathy Podiatry Pharmacy Physiotherapy Speech Therapy Psychology and hypnotherapy	Go to site
	Depending on your level of cover, you may be able to get a loyalty bonus for orthodontia.	Go to site
	Depending on your level of cover, you may be able to get a loyalty bonus for orthodontia.	Go to site
	HBF provide members, depending on their level of cover, with increasing claims levels on many extras benefits including: Crowns Root Canals Dentures Bridges Implants	Go to site
	With Bupa's Extras cover, benefits increase based on how long you hold cover. You can get 90% to 100% back.	Go to site
	HCF Vital Extras and HCF Top Extras members can enjoy loyalty benefits on extras benefits including: General dental (Fillings, Extractions, and Oral surgery) Major dental (periodontics, endodontics, veneers, crowns, bridges and dentures) Physiotheraphy Exercise Physiology Occupational theraphy Psychology Remedial massage Myotherapy Acupuncture CHM Consultation Chiro and Osteo Dietetics Audiology Speech Pathology Podiatry (Including foot orthotics) Hearing aids	Go to site
	Depending on your level of cover, you may be able to get a loyalty bonus for orthodontia.	Read review
	Depending on your level of cover, you may be able to get a loyalty bonus for: Chiropractic Dental Optical Osteopathy Physiotherapy Wellness benefits Podiatry Speech Therapy Eye/Orthoptic Therapy Occupational Therapy Dietetics and Nutrition Exercise Physiology	Go to site
	Depending on your level of cover, you may be able to get a loyalty bonus for orthodontia.	Read review
	If you have a Saver, Special, Super or Premium extras policies with HIF, you can claim more back on a range of services including: Dental Physio Chiro Complementary therapies Occupational therapy Optical Orthoptics Osteopathy Pharmacy Speech therapy Hearing aids	Read review
	Depending on your policy, Mildura health offer increased claims for certain dental procedures including: Inlay/onlay Crowns and bridges	Read review
	Depending on your policy, Nurses & Midwives Health offer increasing limits for services such as: Major dental Appliances such as hearing aids
	If you hold a Rolling Extras policy continuously for ten years, your Hearing Aid Lifetime Limit from $1,200 to $1,800 per person.	Read review
	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.	Read review
	Depending on your level of cover, you can earn loyalty bonuses on the following extras services: Major dental Appliances such as hearing aids	Read review
	Depending on your level of cover, you can earn loyalty bonuses on the following extras services: Major dental Laser eye surgery
	Depending on your level of cover, you can earn loyalty bonuses on the following extras services: Major dental Home nursing and lactation nurse Mechanical/health appliances Acupuncture Audiology Chiropractic Occupational therapy Optical Orthoptics Orthotics Osteopathy Pharmaceutical Physiotherapy Podiatry Prostheses Psychology/hypnotherapy Speech therapy	Read review

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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.

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:

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.

Frequently Asked Questions

• Are health insurance loyalty programs worth joining?

  Loyalty programs can offer genuine value, especially if they increase your annual benefit limits for extras services you regularly use. While they might not be the primary reason to choose a fund, they can provide extra perks such as gym discounts, movie tickets or even direct increases in your claimable amounts over time. Evaluate whether the specific benefits align with your healthcare needs and lifestyle.

• How long do I need to be a member before I can access loyalty benefits?

  The length of time required to access loyalty benefits varies significantly between health funds and specific programs. Some funds may offer initial perks after your first year of continuous membership while others, particularly for increased benefit limits on services like major dental or orthodontics, might require several years of continuous cover for example 5, 10 or even 20 years. Always check the specific terms and conditions of your policy.

• Do all Australian health funds offer loyalty programs or rewards?

  No, not all Australian health funds offer formal loyalty programs or tiered reward structures. While many provide some form of member benefits or discounts, a structured loyalty program that increases benefits based on tenure is less common. The health funds listed on this page are examples of those that do offer specific loyalty incentives. It is always best to check directly with a health fund for their current offerings.

• Can loyalty benefits be combined with other health insurance discounts?

  Generally, loyalty program benefits operate independently of other promotional discounts or offers a health fund might provide to new members or for specific campaigns. It is rare for loyalty benefits such as increased claims to be stacked with other financial incentives. Always review the terms and conditions of both the loyalty program and any other discounts to understand their applicability and any exclusions.

Written by

Gary Ross Hunter

Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

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