Premium payment options

Direct debit

Payments can be debited fortnightly, monthly, quarterly and half-yearly.

Credit card

Payments can be charged monthly, quarterly and half-yearly.

Download a Direct Debit request form to authorise us to make periodic deductions from your debit or credit card account.

Rate protection

You may pay your membership for up to six months in advance at the rate that applies at that time. This means that you will not have to pay extra for the period covered by your premium payment if premiums increase during the period for which you have paid. Rate protection will cease if you change your level of cover or suspend membership. Any amount paid in advance of the date of the cover change or suspension will be applied at the rate that is current at that time.

Member resources

Change membership details Suspend your cover Authority to access membership Premium payment options Forms Product guides Mobile app

Using your extras

Find a provider What's covered? Make a claim - Extras What's not covered? Waiting periods Out-of-pocket expenses Dental treatments Telehealth services Health Management benefit Dental preferred providers

Going into hospital

What's covered? Make a claim - Hospital What's not covered? Waiting periods Hospital treatment costs Paying for hospital costs Access Gap and out-of-pocket expenses Find a hospital Pre-existing conditions Pregnancy After-hospital care Voice of the patient surveys

Government initiatives

Australian Government rebate on private health insurance Medicare Levy Surcharge Lifetime Health Cover Loading (LHC) Lifetime mental health waiting period waiver Pharmaceutical Benefit Scheme Medicare Safety Net Medicare Benefits Schedule Age-based discount