Member benefits
* Based on an Australian Government Rebate of %, % LHC loading, $ excess for a in .
Change your cover or compareOur members reap the benefits
We’re not-for-profit. That means our members are our number one priority, not shareholders (because we don’t have any).
Here are just some of the ways we help our members improve their health, get value from their cover and save money on other life stuff.
Get [or stay] healthy
No-gap programs
Eligible members can access maternity care and joint replacement with no out-of-pocket costs.
Get value
Get cashback with our new Member Rewards
Introducing our all-new Member Rewards! Now you can earn cashback whenever you shop at a fantastic range of popular retailers, simply by using your linked credit or debit card. It's another way we're giving back to members.
Cover your (big!) kids at no extra cost
We let single kids stay on your cover until they turn 32! That means you can cover them for zip (if they’re studying) or for less (if they’re working).
Extras provider network
Get the most out of your Extras cover – including no-gap dental checks and optical member discounts – via our network of dentists and eyecare providers.
Healthy Lifestyle programs
While Extras cover can help anyone take care of mind and body, the Healthy Lifestyle bit can be especially useful if you have a health condition.
Access Gap
Enabling members to reduce or avoid out-of-pocket costs for in-hospital specialist treatment.
Ask a doctor
Health professionals answer your burning (but non-urgent) health questions.
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Refer a new member & score an eGift card^
Terms and conditions
°Eligibility criteria and conditions apply. Offer is available until 31 January 2025 to i) new members who join Nurses & Midwives Health with Hospital & Extras cover, or with a combined cover, or with Extras cover only, and ii) current members of Nurses & Midwives Health who upgrade their Extras Cover to a higher level of cover, or add Extras to their existing Hospital cover or Ambulance cover, and iii) a spouse or dependant who is added to an existing Nurses & Midwives Health policy. Two- and six-month waiting periods are waived on Extra services only, after the first contribution payment has been received. Click here for additional terms and conditions.
^Eligibility criteria and conditions apply. Offer is available to current members who refer an eligible friend or family member to join Nurses & Midwives Health before 31 January 2025. When joining online, over the phone or in person with a Business Development Officer the new member must quote your membership number. See full terms and conditions.
*eGift cards will be distributed from 6 weeks after the referred member's cooling off period has passed.