Putting members’ health before profit

What makes our funds different?

Members Health funds give more back.

Members’ health before profit is our guiding philosophy. Our alliance of health insurance funds are run for people, not for profits and as a group we are growing twice as fast as the rest, now covering over 3.9 million lives.

Around 90% of all insurance premiums returned to policyholders

More insurance benefits back to policyholders:

Our alliance of health insurance funds are distinguished by being value-based and member driven. As a group, this sees over 90% of all insurance premiums returned to policyholders in benefits. Our health insurance funds operate lean yet prudent margins to pay higher benefits back to members. Members Health’s advocacy and network of experts and resources helps keep our alliance of health insurance funds in the vanguard of a constantly-changing industry.

Benefits paid as a percentage of premium revenue graph

96% average customer satisfaction rate among policyholders

High policyholder satisfaction rates:

Participating Members Health funds consistently average customer satisfaction scores of 96% or higher. The alliance of Members Health funds consistently out-perform with competitive insurance premiums and high customer retention rates. Our alliance of health insurance funds can represent excellent value for money, ensuring members’ health comes ahead of profit. It is why people stay and why our alliance of health insurance funds are growing strongly.Overall customer satisfaction of Members Health Funds Graph

Members Health Funds are trusted by their membership

Members Health Funds are trusted:

Run for people not for profits, when it comes to trust the alliance of Members Health funds are in a league of their own. Independent surveys show that participating Members Health insurers have enormous integrity being trusted well above some of Australia’s biggest household-name brands by their membership.

Trust Survey Graph

Great premiums and benefits

Competitive health insurance premiums:

Our alliance of health funds share a very different culture to the for-profits, they exist to serve their policyholders, putting their members’ health before profit. Covering more than 3.9 million lives, Members Health funds can represent excellent value for money. Because our funds do not have to pay dividends or drive profits for shareholders and investors, they can operate on slim – even negative net margins and give more back to policyholders

Members Health Funds Delivering Value to Consumers

Members stay with Members Health funds longer more than other funds

Customer retention and growth:

Unlike the for-profits, Members Health funds exist to serve their members, not shareholders or overseas investors. They offer various levels of health insurance at highly-competitive premiums. They offer optimised benefit entitlements and, as a group, have a proven capacity to tangibly grow their membership numbers each year. The bottom line is simple: the alliance of health insurance funds that carry the Members Health stamp care because they put their members ahead of profit.Average Member Retention Rate graph

A unified voice for funds that are run for people, not for profits

Members Health is the peak industry body for an alliance of health insurance funds that are not-for-profit or part of a member-owned group, regional or community based, and who all share a common ethic of putting their members’ health before profits.This is enabled through long-standing industry expertise, professionalism and strong relationships with industry, government and regulatory agencies. Coupled with strength of numbers, knowledge and determination to achieve better outcomes for our funds and policyholders, they serve as Members Health’s greatest strengths.


Members Health’s strategic advocacy and reputation as a respected and credible voice, allows us unrivalled access to key decision-makers across government and their agencies. We are influential, responsive, committed and effective.

Research and policy:

Members Health is at the leading edge of research and policy. A powerful network of industry resources and experts keeps us at the forefront of an ever-changing health sector. Our influence in driving policy is invaluable in delivering better outcomes for our alliance of health funds and their customers.

Facilitate best practice:

Unity, industry knowledge, policy expertise, transparency and respect. These underpin Members Health’s ability to ensure the best outcomes and best practice for our members. We stand for ‘Putting members’ health before profit’.

Forums and events:

Members Health hosts regular, exclusive events for its funds. These provide a valuable interchange of ideas, sharing of expertise, access to the thinking of senior government and regulatory decision-makers, innovations in service delivery and the building of relationships and collaboration.

We were previously hirmaa.

Members Health offers all the same benefits as in the past. More than 3 million health insurance policyholders enjoy competitive premiums, great benefits, value for money and across-the-board satisfaction. Members Health has built further on these with an ever-growing and ever-stronger membership. Our 26 health insurance funds across the not-for-profit, member owned, regional and community based spheres provide Members Health with unprecedented credibility and respect. As always, Members Health is focused on members’ health before profit.