Health Insurance With Discounted Gym Membership

Co-author: TJ Ryan
Health insurance is no longer just about choosing a policy and premium. Insurers are ramping up what they provide to help you enjoy a healthy lifestyle for longer.

Did you know you may be able to get a discount on gym membership with your health insurance? Along with many other health and wellbeing benefits offered by health insurance providers these days, this preventative approach to illness and injury is definitely a skip in the right direction.

When you consider that heart failure affects 1 in 20 Aussies, diabetes is on the rise, and most of us spend more time sitting than getting active, it’s good to see health insurers motivating their members to get active and help combat our national health threats.

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How to get gym benefits with your health insurance

If you want to claim part of the cost of your gym membership, yoga, Pilates or other exercise classes from your health insurer, you will typically need a high level extras policy with an insurer who offers that kind of benefit.

As a starting point, it’s always worth asking your current health insurer what they offer in the way of “health management benefits”, “healthy lifestyle benefits”, or “wellness benefits” for the services you want in your lifestyle. You might be surprised at what’s available within your current policy or an extras policy with the same provider. You will also need to find out what is required by your provider to claim the money back – for example, some providers require a doctor’s referral or plan devised by a personal trainer along with receipts from the gym. There will also be an annual limit to how much you can claim, so check your PDS for details.

We’ve put together the following information on what health insurance providers are offering when it comes to gym memberships. This list is based on the insurers we research and rate in our Health Insurance Star Ratings and is not exhaustive, but it will give you an idea of where you can get gym benefits. Where the insurer has made their waiting periods crystal clear, we have included this information for your consideration.

AHM

With AHM’s Lifestyle, Family and Super extras policies you are covered for a wide range of health improvement benefits including with a personal trainer, yoga, Pilates and gym exercise classes. See The PDS for details.

The table below displays a snapshot of AHM‘s extras only health insurance policies on Canstar’s database, sorted by Star Rating. Please note the Star Ratings and monthly premium estimates displayed are based on singles in NSW.

Bupa

Bupa’s Gold Extras policy covers you for gym memberships, swimming programs for children, Pilates, and yoga under the Living Well program. It is important to note this does not cover 24-hour gyms, gym membership for general fitness, casual gym sessions or boot camp, sports clothing or shoes, or personal trainers.

The table below displays a snapshot of Bupa‘s extras only health insurance policies on Canstar’s database, sorted by Star Rating. Please note the Star Ratings and monthly premium estimates displayed are based on singles in NSW.

 Medibank

Medibank members receive a 25% discount off the cost of each visit to the gym as part of their GymBetter program, including Fernwood, Goodlife and YMCA Australia-wide. See Medibank for details.

The table below displays a snapshot of Medibank’s extras only health insurance policies on Canstar’s database, sorted by Star Rating. Please note the Star Ratings and monthly premium estimates displayed are based on singles in NSW.

 

Provider

Policies

Benefits covered

Australian Unity The Active Lifestyle package Up to 50% of membership fees to gyms, up to $15 per class for exercise classes, $17.50 per session for personal training and money back on covered exercise equipment. Terms and conditions apply.
CBHS All extras Health Management Services benefit includes partial cover for gym membership when member is referred by their doctor as part of a chronic disease management plan. See CBHS Health Fund for details.
HBF All policies Free group fitness sessions, a free mobile personal health app, fully covered fitness checks, 10-15% discounts at partnering gyms and more. Only in WA; see HBF for more information.
HCF All Policies

Silver Plus Extras / Gold Extras / Platinum Extras

Members receive a 10% discount on new 3- or 12-month Platinum or Passport gym membership with Fitness First. Members can also access a virtual health coach via My Health Guardian, an online management program for an easy and effective wellbeing plan for improving energy, losing weight or increasing health and fitness.

HCF’s Health management programs offer benefits for gym membership fees and exercise classes for specific health conditions when the member is referred by their doctor. 6-month waiting period applies. See HCF for details.

HIF All extras policies except vital The Healthy Lifestyle Cover includes gym membership, yoga, Pilates, exercise physiology and weight loss programs. See HIF for details.
Health Partners National, silver & gold extras The Health Management benefit includes up to 100% cover for gym and fitness, weight management and an online Health Risk Assessment. See Health Partners for details.
Health.com.au Extras Offer’s partial cover for the cost of weight management programs, gym memberships, Pilates, yoga, first aid courses and more.
NIB Most policies – see NIB The Healthier Lifestyle benefits include gym membership, approved weight management programs, personal training sessions, yoga, Pilates, dietary advice and more. Top Extras also includes a benefit for exercise physiology. See NIB for details.
Peoplecare Extras cover The Health Management benefit includes cover for gym membership if gym equipment is needed to treat a condition diagnosed by the member’s doctor, Pilates, pool entry fees, yoga, personal training, group training, swimming lessons, aqua aerobics, treadmills, cross trainers, exercise bikes, weight control programs, and stress management programs. Member must be referred by their doctor. 6-month waiting period applies. See Peoplecare for details.
Phoenix Health Fund Mid Extras / Top Extras The Healthy Lifestyle Program benefits include cover for gym membership, approved classes for asthma management, diabetes management and weight management. See Phoenix Health Fund for details.
Queensland Country Health Fund Ltd All extras policies The Healthy Living benefit includes cover for gym membership, personal trainer program and weight management programs. The member must be a patient with an approved health management or chronic disease management program. See Queensland Country Health Fund for details.
Westfund Health Gold & Platinum extras The Prevention & Health Management benefit includes cover for gym classes, gym membership, vitamins, weight loss programs, Pilates classes/membership and swimming lessons for children. See Westfund for details.
Source: www.canstar.com.au

Data current as at February 12, 2018

Canstar provides an information service. It is not a health insurance provider, and in giving you information about insurance products Canstar is not making any suggestion or recommendation to you about a particular insurance product. If you choose to apply for an insurance product, you will deal with the insurance provider and not with Canstar. Read the Canstar Financial Services Guide (FSCG) for more information.

How to find the health management benefit for you

Don’t have a favourite gym yet? Choose a gym that Aussies love – compare customer satisfaction in gyms with Canstar Blue. Apart from gym memberships, there are other health insurance benefits that may be available. Consider our health insurance for runners article and the weight management benefits available for those dealing with osteoarthritis.

Remember, discounted gym membership is not the only consideration when looking for health insurance and the policy best suited to you may not necessarily have a benefit for the gym. Compare your options to see what is right for you.

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