Putting members’ health before profit

Our trusted health insurance funds put people before profits.

The health insurance funds who have come together to form the Members Health Fund Alliance are very close to their communities. They care about local families and support local charities, sporting clubs and the provision of key health services. They are driven to make their local communities an even better place to live and work. By coming together as an alliance, Members Health insurance funds have formed a powerful voice for their communities, for their 5 million members and for the health sector.

ACA Health Benefits Fund:

ACA Health Benefits Fund exists solely to benefit the health and well-being of Seventh-day Adventist Church employees, Local Church Officers and their families. It cares about its members, not about profits, and gives 100% of the surplus back to members. With an independently verified member satisfaction level of over 98%, its 15,000-plus members love it when they’re put first, last and only.

Australian Unity:

Australian Unity has been supporting the wellbeing of Australians since 1840. Being a member-owned company (also called a mutual) gives us greater flexibility to invest money into the services and solutions that matter most to our members, customers and the Australian community.

With great value hospital and extras covers to choose from we’ll help you find the right one for your health needs and our expert team can help you review your cover at any time so you have confidence that it’s right for you.

CBHS Corporate Health:

With CBHS Corporate Health, you truly do Belong to More. We go the extra mile when you need us the most.

Even though we’re a newer fund, our experience isn’t. Our parent fund has built a 70-year+ loyal following and now through CBHS Corporate Health, you can receive industry leading health insurance, telehealth services and generous benefits.

Get affordable premiums, great value products and an extensive range of health and wellness benefits.

CBHS Health Fund:

As a not-for-profit health insurance fund, CBHS has looked after the health and happiness of the Commonwealth Bank community for more than 70 years.

At CBHS Health, we are driven by one simple goal. Members for life.  Everything we do centres around achieving that goal.

Since 1951, we’ve exclusively guided thousands of families towards healthier, safer and stronger lives.

Defence Health Fund:

Defence Health has been operating since 1953 with the core purpose to protect the health of those who protect our country.

We’re here to support the families of those who are serving in the ADF. And care for those who once served. We’re also here for their supporters – the parents, brothers and sisters who are part of the Defence community too. You all belong with us.

Defence Health looks out for people rather than profit. And we especially care about the Defence community. We get you. And we get what you need from your health fund. We look after our own.

Doctors’ Health Fund:

Doctors’ Health Fund is the only fund created exclusively for the medical community and their families with over 27,500 members covering over 65,000 lives, making them one Australia’s fastest growing health funds. Their unmatched Top Cover Gold Hospital pays the highest level of medical benefits, paying up to the AMA list of medical services and fees. They are part of Avant Mutual, the largest medical indemnity insurer in Australia, and understand doctors and the unique position they hold in the community.

Emergency Services Health:

When it comes to protecting lives, you’d only ever give your best. Can you say the same for your health insurer? Our members can- and do. We’re Emergency Services Health – Australia’s only not-for-profit private health insurer dedicated for past and present Emergency Services workers, volunteers and extended family. We only believe in top gold cover, nothing less than the best, so that’s all we offer. Brought to you by Police Health with over 85 years of experience.


HBF are not your average health insurer. They’re not-for-profit, and exist to give their members value – not shareholders. With HBF, members benefit from good value products, 80 years of industry experience and exceptional customer service.

If you’re looking for affordable, flexible cover that suits your individual needs – look no further than HBF.


Uncommon Care is HCF’s bottom line.

HCF is Australia’s largest not-for-profit health fund. That means their members are at the heart of everything they do and they put their health before anything else.

Proudly Australian owned and run, they’re delivering value and peace of mind for over 1.7 million Australians who trust them to be there when it matters most.

HCF’s strong commitment to protecting Australians’ health hasn’t changed for almost 90 years — that’s pretty uncommon. Their history is a story of industry-leading innovation, member-first programs and investment in health technology to provide Uncommon Care for their members and all Australians.

Healthcare Insurance:

HCI is a not-for-profit private health insurer entirely owned by the members, and exists solely for the benefit of members. HCI covers the very best in hospital care and other health care services including dental, optical, physiotherapy, chiropractic and more. HCI has been providing great value health insurance to the community since 1938.

Health Partners:

Health Partners is South Australia’s largest not-for-profit health fund.

With Australia’s most satisfied Health Insurance Customers – as awarded by Canstar 4 years running# Health Partners are proud to provide better customer service and comprehensive health cover Australia-wide.

#Canstar 2019-2022. Compares Health Partners customer responses with average of other brands research


With over 65 years’ experience, the Health Insurance Fund of Australia (HIF) is an expert in private health insurance. It offers a range of great-value hospital and extras cover, with some of the best dental and optical benefits in the market. Plus, you’ll find affordable pet and travel covers too. A proudly not-for-profit health fund, HIF exists purely to care for its loyal member community. It was Australia’s first carbon neutral health fund, and the first insurer to support the 2015 Australian Marriage Equality Campaign.

Hunter Health Insurance:

Hunter Health Insurance commenced in 1952 with the goal to provide local coal miners with affordable insurance. Today the fund continues to provide comprehensive insurance benefits with competitive rates and an ongoing focus on affordability. At Hunter Health Insurance we don’t strive to be the biggest; just the best health insurer.

Latrobe Health Services:

Latrobe Health is a not-for-profit private health fund offering hospital, extras and combined covers to suit a range of budgets and health needs. Trusted by more than 81,000 members, Latrobe Health is the 2020 recipient of two of Canstar’s Victorian awards for Outstanding Value Hospital Cover. We pride ourselves on providing quality cover and exceptional service when our members needs us.

Mildura Health Fund:

Operating since 1929, Mildura Health Fund is a regional health insurance fund existing purely to serve its members. It is a not-for-profit, member owned fund. This means its 35,000 members enjoy more benefits and competitive premiums, where dividends are not paid to shareholders.

Navy Health:

Navy Health is a not-for-profit health fund that exists for the benefit of our members, not shareholders.

With over 60 years’ experience, Navy Health provides great value health cover to the wider Defence community. We’re also part of the Members Health Fund Alliance, which means our members are at the heart of everything we do.

You will receive a 10% discount off your premium if you are a serving ADF member, Active Reservist (SERCAT 3-5) or a White or Gold Veteran Cardholder.*

*Visit navyhealth.com.au/defence-discounts for terms & conditions.

Nurses & Midwives Health:

As the only private health insurance fund exclusively for nurses, midwives and their families, Nurses & Midwives Health is dedicated to caring for the carers.


Member-owned, not-for-profit and open access to all Australians, Peoplecare is all about service and personal support for members. IPSOS Healthcare and Insurance Australia Report reported Peoplecare received top scores for customer satisfaction and loyalty with a net promoter score of 58 – almost double the average health insurance fund score of 30. It also has the highest ranking of open health insurance funds on how it treats members as individuals, not numbers.

Phoenix Health Fund:

Phoenix Health considers itself the best kept secret in health insurance. Phoenix has been around for over 65 years, and while they are really proud of their long history and the high regard their members hold for the fund, they are also very excited about their future, and having more Australians experience a health fund that’s committed to doing the right thing by them.

Police Health:

Police Health is Australia’s only private health insurance fund run for the police by the police. Founded in 1935 as a not-for-profit private health insurance fund, it provides top gold quality cover with straightforward health insurance products to over 65,000 members of the policing community. The fund is managed by experienced health insurance professionals under a board of directors from both police and health insurance backgrounds.

Queensland Country Health Fund:

Queensland Country Health Fund is part of a member owned group and first opened in Mount Isa in 1977. It has grown to be the largest regionally-based health insurer in Queensland, servicing more than 29,000 members. This growth can be credited to its competitive insurance premiums, market-leading benefits and dedicated staff who always have the members’ best interests at heart.

RBHS Reserve Bank Health Society:

The RBHS is a not-for-profit private health insurance fund fully owned by its members. It has been providing outstanding private health insurance products and services since 1959. The RBHS is strongly customer-focussed and committed to meeting the needs of its members. Membership is open to current and former employees of the Reserve Bank of Australia and Note Printing Australia and their families.

rt Health:

rt health is a mutual not-for-profit health insurance fund –owned by its members – that’s been in business more than 130 years. It has no reason to exist other than to provide its member policyholders with the best possible health insurance at the best possible price. With rt health, it’s all about a better deal for members, not shareholders.


St.LukesHealth has been providing private health insurance to Australians since 1952. As a non-profit organisation their focus is on their members. Established in Tasmania, St.LukesHealth has a loyal membership base across all States and Territories of Australia and was voted number one for customer satisfaction by Roy Morgan Research in 2016. Regardless of where you live, doing business with St.LukesHealth is easy.

Teachers Health:

Teachers Health is the only private health insurance fund exclusively for the education community and their families.


TUH Health Fund was founded in 1972 by the Queensland Teachers Union and has always been a not-for-profit, member focused health insurance fund. TUH is open to all education community union members and their families who spend their working lives looking after others. TUH feels a special obligation to look after them in return, which is evident in its generous health cover they provide and the respect and care they show all their members. Particularly when they’re unwell and at their most vulnerable.

Territory Health:

Territory Health Fund is a specialist health insurer brand developed specifically for the Northern Territory and operated by Queensland Country Health Fund. It is a community and people focused health insurer dedicated to providing Northern Australians with a genuine, easy, value for money experience.


UniHealth is health insurance for the education community and their families.

Westfund Health Insurance:

Back in 1881, a group of miners got together to share the unexpected costs of healthcare – this act of cooperation and community formed the seeds of Westfund Health Insurance. Since then, Westfund has grown into a leading not-for-profit health insurer helping hundreds of thousands of members access quality and affordable healthcare across Australia.

Westfund is committed to empowering communities, getting the most for their members and helping to make sense of healthcare. It’s the foundation of their Feel Good Cover – health insurance that doesn’t just do its job but adds an extra level of care.

Westfund provides quality health insurance to families, couples, individuals and organisations across Australia. Members have access to one of the nation’s largest private hospital networks. With 12 Care Centres, 4 Eye Care Centres, a Dental Care Centre in Lithgow and 2,500+ network of providers, Westfund members gain access to the best health care services, while reducing or eliminating out-of-pocket costs — no matter where they live.

Proudly Australian owned and operated, Westfund’s Head Office is located in Lithgow, New South Wales and employs close to 200 people across its Australia-wide network.

Join a Members Health insurance fund that puts people before profits