Accident Injury Benefit
Life happens. And though you probably haven’t thought much about what to do in the event of an accident, you’ll be glad to know we have. So if you have an Accident you’ll receive all of the coverage of our top level hospital cover – no matter what level of Cover you have.#
Get more back for kids
It can be expensive bringing up a family. That’s why for kids, we provide no hospital excess on every one of our family hospital covers. We also offer 100% back on included extras at Members' Choice providers, as part of our Growing Family and Settled Families covers.^
To encourage more Australians to take up health cover, the government offers incentives like the Australian Government Rebate (AGR) to make private health insurance more affordable.
#Excludes claims covered by third parties such as Workcover. For accidents that occur after join date. Treatment must be sought within 7 days of accident on some covers.
^This only applies to child and student dependants. Only up to annual limits and waiting periods apply, including 12 months for some dental services.
Canstar awarded ‘Outstanding Value Insurance’ 10 years in a row
We’re proud to deliver outstanding value health insurance products designed to suit your needs. But don’t just take our word for it.
Health cover for life’s little things
right through to the life-changing
Better health can be as simple as sporting a better smile. And because teeth are important to our overall health, we give you 100% back on an annual dental check-up at any Members’ Choice dentist in Australia if you’ve held extras cover for two months or more. Excludes x-rays.
More about 100% back
Mums-to-be deserve to be spoilt for choice. So our Growing Family packages provide the flexibility to choose private or public hospital for that all-important moment. Also receive support during pregnancy and beyond with Extras cover for lactation consultations, remedial massage and more.
View Growing Family covers
Join Extras Cover today and you’ll get 100% back on prescription glasses and contacts (up to your annual limit) at almost any provider Australia wide. Waiting periods apply and some services like lens coating aren’t included. View Extras Covers
*Waiting periods apply. For ambulance attendance or transportation to a hospital where immediate professional attention is required and your medical condition is such that you couldn't be transported any other way. Tasmania and Queensland have state schemes to cover ambulance services for residents of those states.
Online member services
Manage your health cover from anywhere, at any time. Our Online Member Services provides a convenient and secure way to update your details, organise your payments and make some claims. You can also claim for a whole range of services with your smartphone.
~ - For new members on new memberships who join eligible combined hospital and extras. Must quote promo code 6FREE and set up direct debit when joining. Excludes Accident Cover, Ambulance Cover, Visitors Health Insurance, Overseas Students Health Cover (OSHC), Working Visa Health Insurance, ahm covers, Corporate covers and other selected covers. Not available with any other offer. Six week free terms: Must hold eligible cover and maintain direct debit for 30 consecutive days to get the next six weeks free. 2 and 6 month waiver terms: Other waiting periods still apply. If you’ve reached your limits from a previous fund you may not be able to claim straight away.