As your situation changes throughout life, your health cover needs to change with it. We recommend you review your cover periodically and around any significant events. Getting hitched? Switch from single to couple membership. Welcoming your first child?  Increase your level of cover and later switch to family membership. Kids over 21 years of age and still need cover? Get extended dependant cover. Kids all grown up and moving out? Remove them from your policy.

You can update most of these details on our member portal, download a Change to Membership Details form or use our mobile app. 

Changing your level of cover

Waiting periods apply for 

• existing members who increase or upgrade cover, including changing to a different excess; and

• new members transferring from a lower level of cover at another fund.

The previous level of cover continues to apply until all appropriate waiting periods for the new cover have been served. Years of membership with your previous fund are not recognised. Please contact us if you wish to discuss your individual circumstances.

If you reduce your level of cover, the lower benefits on your new cover will apply immediately if you have already served the required waiting periods.

Changing who is covered

You can update persons covered on the member portal, on our mobile app, or use the Change to Membership Details form.

You can add a student or dependant who is over 21 to your policy on the member portal or use the Adult Dependant Registration form.

Adding a new adult or dependant to your policy or removing someone from your policy (including a deceased person) may lead to a change of membership category, so please let us know as soon as you can.

Changing your contact details

You can change your contact details on the member portal, on our mobile app, or use the Change to Membership Details form.

Changing your payment preferences 

You can change your payment method or frequency on the member portal, on our mobile app, or by calling us. See Premium Payment Options.