FAQ

The main difference between not-for-profit and for-profit private health insurance is how profits are used. Not-for-profit and member-owned health funds reinvest surplus revenue back into member benefits, services, and programs. For-profit insurers may distribute profits to shareholders or owners. Learn more about the not-for-profit insurance model.

The main difference between not-for-profit and for-profit private health insurance is how profits are used. Not-for-profit and member-owned health funds reinvest surplus revenue back into member benefits, services, and programs. For-profit insurers may distribute profits to shareholders or owners. Learn more about the not-for-profit insurance model.

Private health insurance in Australia helps cover some of the costs of hospital treatment and extras services like dental, optical, and physiotherapy. Private health insurance policies are generally split into hospital cover and extras cover. Private health insurance works alongside Medicare and gives members more choice about where and when they receive treatment. Learn more about our private health insurance and our health funds here.

Yes, absolutely. Members Health funds provide national private health insurance coverage. Whether you’re at home or traveling interstate, you’ll have access to a wide network of hospitals and extras providers. Our health funds have strong relationships across Australia, so you can have peace of mind about getting treatment from a provider you trust, when and where it suits you.

To find the right member owned health fund for you, start by thinking about your specific health insurance needs, whether you need extras like dental and physio, and hospital cover or ambulance cover for peace of mind. Explore and compare the different not-for-profit and member owned funds through our Find a Fund feature to find the fund that suit your lifestyle, health needs, and budget.

Members Health funds can go beyond claims and cover. Many offer access to preventative health services, mental health support, wellness programs, and personalised guidance all designed to help you stay healthier, longer.

And let’s not discount the fact that Extras cover can mean having regular dental and optical check-ups which can help prevent more complex, often debilitating and painful health issues from arising down the track. Members Health funds help cover over 37 million episodes for extras services each year.

Follow the link to learn more and for examples.

Yes. If you’re transferring from another health fund and maintaining the same level of cover, you will not have to re-serve waiting periods. However, if your new health insurance policy includes benefits that are new or offer higher limits than your previous cover, you’ll need to serve the standard waiting periods before you can claim those additional benefits. Be sure to keep your health insurance policy paid up and don’t cancel until the switch is confirmed. Also, check the details with your chosen Members Health fund so they can guide you seamlessly through the process.

Many Members Health funds are open to all Australians. Some have eligibility criteria based on employment, profession, or industry of you or a family member but there are plenty of options for the general public too.

Check each fund’s details on our website here.

Because Members Health funds are not-for-profit or part of a member-owned group, any profits are reinvested to benefit members, not shareholders or overseas investors. As a result, members typically get more value from their health insurance, including:

• Lower average premium increases across the group, helping to keep health cover more affordable[LH1] .
• A strong focus on customer service, including fast claims processing, excellent advice and personalised member support
• An extensive national network for treatment options, such as care in the home, no-gap arrangements and access to a wide network of providers.
• Good extras benefits for dental, optical, physio and more
• Access to preventative care, wellness and chronic disease management programs

Find your Members Health Fund here

Our website is a great place to start. While we don’t compare prices, we help you explore the values and benefits of each Members Health fund so you can find the fund that aligns with your needs.
Interested in joining? Check out all the Members Health funds you’re considering, each one offers something a little different.

Find your Members Health Fund here

Members Health funds include some of Australia’s longest standing and most trusted private health insurers. Many have served local communities for over 70 years and maintain strong financial health and high member satisfaction. Find your Members Health Fund here.

Members Health funds put their members first and consistently achieve above average ratings in customer service and claims satisfaction. By focusing on members, with more responsive and personalised service you are in good hands with one of our private health funds. Compared to the rest of the industry, Members Health funds consistently score higher on customer satisfaction measures.

Members Health funds are not-for-profit or part of a member-owned group, which means they don’t have shareholders or overseas owners to answer to. Instead, they focus on returning more of your premium back to you through better benefits and fairer pricing. This approach helps keep insurance premiums as low as possible while ensuring that, when you need to submit a claim, your health fund is there to support you. It’s quality cover at a fair price with more value going back to the fund members. Find your Members Health Fund here.

Absolutely. Members Health funds offer access to a wide range of hospital cover, ambulance cover and extras cover options to suit every stage of life, including singles, couples, families, and seniors. Many also provide preventative health programs, mental health support, and tailored benefits to help members stay well. Take a closer look at the Members Health funds that interest you, speaking with them directly means access to their full range of policies and you can experience their excellent customer service and guidance for yourself.

You can explore the full list of Members Health funds here. When deciding which fund to join, we encourage you to contact the health funds you are interested in directly before making a final decision. Often, you can get the best deal by going direct rather than using third-party comparators. These comparators often charge their own fees and commissions, and they don’t always provide the full range of insurance policies that are available.

Look for the tick! By displaying the ‘tick’ of approval, the health insurance fund is showing that it is truly member-focused, prioritising people over profits. You will see this logo in advertising of our member funds, keep an eye out for it on websites and even on TV. You can also find your Members Health Fund here.

Covering 5.4 million Australians, the 23 Members Health funds are run for people, not profits. Which means with no shareholders or overseas investors to answer to, they focus solely on delivering quality cover, fair pricing, and genuine care.

Why our funds are different:

• More of your premiums back in benefits
• Better value for money
• Higher levels of customer service and support

As a unified voice for member owned health funds that are run for people, not for profits, Members Health Fund Alliance represents over 20 health funds that are not-for-profit or part of a member-owned group. That means the funds exist to serve you, their members, not shareholders or overseas investors. They are owned by their members, profits are reinvested into better services, improved cover, and value for money.