Health insurance

Health insurance

Get the right cover for your health and your budget

We’ve used our bargaining power to arrange some competitive health insurance options for you to choose from with our partners GMHBA, HCF and nib.

GMHBA Super Members Health Plan

You can choose from GMHBA’s range of hospital, extras and combined cover to get the right option for your budget – and enjoy 5%* off premiums as a CareSuper member.

And no need to worry if you’re already feeling less than 100%, as you can start claiming straight away on most extras, including general dental, physiotherapy and more.^

To find out more, simply give GMHBA a call on 1300 136 650.

Get a quote from GMHBA >


As well as a 5% discount, joining HCF’s corporate health plan offers:

  • 100% back on extras. That’s right, every dollar on dental, optical, physio, chiro and podiatry claims from over 12,000 providers (up to your annual limit)
  • Immediate claims. Wave goodbye to the usual two and six month waiting periods for extras
  • A bonus ‘Limit Boost’, which lets you top up your annual limit on dental and optical after 12 months
  • No excess for kids.

If you have any questions just give the HCF team a call on 1800 880 049.

Get a quote from HCF >


You get access to some attractive benefits with nib health cover, including:

  • A membership discount of up to 10%1 when you pay by direct debit
  • Tailored health packages with the hospital and extras cover that best suits you
  • Normal two- and six-month waiting periods2 are waived
  • Ability to claim up to 75%3 back on everyday extras such as dental, optical, physio and more
  • Handy digital tools like nib online services and smartphone app.

Give the nib team a call on 1800 13 14 63 if you have any questions.

Get a quote from nib >


* 5% discount available to SMHP members who pay by direct debit using a bank account or 3% discount who pay by direct debit by credit card. SMHP members are not eligible for any other discounts.

^2 month waiting periods for rehabilitation, palliative care and psychiatric apply. Other waiting periods such as benefit limitation periods, 6 month optical and 12 month waiting periods for major dental, obstetrics and pre-existing conditions still apply.  Offer not available where members held GMHBA cover in the past 12 months. 60-day money back guarantee – if you find better value health insurance within 60 days of joining and haven’t made a claim we’ll refund your money in full.

1. 10% discount applies to nib’s current product range only. Visit nib’s site for CareSuper members to view this range of cover options.
2. Offer applies to new policies when taking out any eligible combined Hospital and Extras package. Longer waiting periods apply for some services including major dental, obstetrics and pre-existing conditions.
3. Annual limits apply. 75% benefit applies to nib Top Extras cover.

CARE Super Pty Ltd does not in any way recommend or endorse that these products or services are suitable for you, so you may wish to seek independent advice before deciding to access any of these products or services. Please obtain a product disclosure statement from the service provider.