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When Does Your Rebate Run Out

27 June, 2018

You’ve got your private health insurance. And it’s expensive! So naturally, you want to get the best out of it.

Pay only the gap - instant rebates

Bring your card with you along to your health appointments. Great clinics, like ours, will offer on-the-spot rebates so that you only have to pay the gap.

Each company and policy is different, so what that gap payment may be can vary a lot! It may be anywhere from a couple of dollars to 80% of the consult price.

What if I forget my card?

No worries, you can still claim but you’ll need to do a bit of extra work.

Once you’ve paid for your consult in full, you’ll be given a receipt via email or printed out. You then submit this directly to your private health insurance company using their app or website. They’ll reimburse the rebatable amount into your nominated bank account within a couple of days to a fortnight.

Many people forget to follow up - so bring your card along to ensure that you are always claiming on all your consultations and avoiding the extra run-around.

When Does My Fund Reset?

Are you like me and run about at the end of the year buying new glasses and getting that extra massage before the limits reset?!

Each fund has a slightly different schedule for when this happens. Most funds reset at the start of the year so that come January 1, your limits are all topped up again. Others are by financial year.

Find your private health insurance company below:

  • AHM - Financial Year
  • Australian Unity - Calendar Year
  • Bupa - Calendar Year
  • CBHS - Calendar Year
  • Defence Health - Financial Year
  • Frank (GMHBA) - Calendar Year
  • GMHBA - Calendar Year
  • HBF - Calendar Year
  • HCF - Calendar Year
  • - Calendar Year
  • Medibank - Calendar Year
  • NIB - Calendar Year
  • Peoplecare - Financial Year
  • TUH - Calendar Year

*Please note that we try to keep this updated but health funds may change so please contact your fund for specific and up-to-date information.

Claim your Exercise Membership

So many people pay for items that they don’t use. Or maybe you don’t know you are covered for it!

More and more funds have a ‘well-being’ cover for:

  • Gym membership
  • Swimming membership
  • Pilates and yoga classes
  • Personal training

Funds that may cover your workouts include:

  • AHM
  • Westfund
  • HIF
  • NIB
  • Medibank
  • HCF
  • Australian Unity
  • Teachers Health Fund

To claim, you may need a referral from your chiropractor. For example, NIB require this referral form to be filled out. You’ll then submit your workout receipts with the referral form from your practitioner via the fund’s app or website and wait for the reimbursement.

Some funds also have membership bargains such as Medibank who have discounts to Goodlife and other gyms.

Appointments available in Moonee Ponds or online.


  • Only pay the gap — we offer on-site and instantaneous private health insurance rebates.
  • Know when your private health insurance limits reset - most reset with the calendar year but AHM, Defence Health and Peoplecare reset at the end of the financial year.
  • Claim your gym membership — ask your chiropractor to complete a referral form in your next consult.