Extras cover, your way

Introducing Your Health Wallet, extras cover that works just like a health savings account. Use what you need, when you need it and save the rest for a rainy health day.

Open Your Health Wallet now
How it works
Are you spending thousands on health care extras you never use?
Tired of enormous gap fees? While your premiums go up each year the big guys won’t even allow you to rollover your unspent extras.

Your Health Wallet was founded by a doctor who saw his clients struggling to pay for their treatment and ultimately it was impacting their care.
He knew there had to be a better, fairer way…

Your Health Wallet

Finally, a health account you control

With Your Health Wallet you get all your extras just the way you want them. No more paying for things you don’t need and losing out because you never use them. Now you can access a health account that allows you to choose the extras you want, when you want them and at a budget that suits you. The even better news: you can use your balance to get rid of any gap fees.

  • Rollover unspent extras annually
  • Reduce or eliminate ‘gap’ fees
  • Earn interest, just like a savings account
  • Gift extras to family members
  • Use up to 25% of your balance on pet health!
More about the benefits

Take control of your extras cover

Dental, optical, physio, chiro, podiatry, remedial massage and more…
Keep your existing hospital insurance cover
Add Your Health Wallet for extras cover

How it works

Follow our simple process to open Your Health Wallet and start benefiting today.

Step 1

Keep your hospital cover with the big guys and add Your Health Wallet for extras. Signing up is easy and takes just minutes. Choose the contribution amount to match your healthcare needs.

Step 2

Grow your balance over time. Watch as unused funds in Your Health Wallet rolls over each year. Enjoy peace of mind as you start accumulating funds to cover your future health needs.

Step 3

Now you’re up and running, you can book appointments, pay for visits and check transactions all from our online platform. Use rolled over funds to eliminate hospital and GP gap payments. 

Put simply, think of it like a health savings account, using what you need and saving what you don’t for a rainy health day.

Open Your Health Wallet now
Frequently Asked Questions

Your contributions start from $5 per day

How we compare

Here’s a handy chart showing how Your Health Wallet compares to standard cover. Spend $5000 on extras over five years and you’ll accumulate $2469.95 for your future health needs with Your Health Wallet. Spend the same amount with a standard fund and you’ll have nothing to roll over.*

Your Health Wallet*

Contributions (over 5 years)
Example Spend (over 5 years)
Rollover Balance (after 5 years)
$9,120.00
$5,000.00
$2,469.95

Typical Extras Cover*

Contributions (over 5 years)
Example Spend (over 5 years)
Rollover Balance (after 5 years)
$9,120.00
$5,000.00
$0

Watch your health balance grow!

With Your health wallet, see your balance increase year on year, helping you save for your future health needs.

Open Your Health Wallet now

Australian Owned and Operated
Designed ground up by consumers and health professionals for a better extras cover.

AFSL:   500574
ARSN: 627076411
ABN:   92618020885

Quick Links

Member FAQ
Partner FAQ
Providers

Resources

Product Disclosure Statement
Financial Services Guide
Reference Guide
Continuous Disclosure Statement
TMD

News & Updates

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  • Licensed by ASIC to provide a financial service – AFSL 500574.
  • Your Health Wallet is registered with ASIC – ARSN 627076411.
  • Funds are held by a Custodian approved by ASIC with NAB.
  • Fund are managed as per the terms of the PDS.
  • Your Health Wallet is a member of Australian Financial Complaints Authority.
  • Funds are managed in low-risk bank depository products and can be withdrawn at any time.

*For the sake of simplicity, annual extras health insurance premium hikes and interest paid on funds held by Your Health Wallet are not factored into the comparison chart due to their variability. Premiums paid are calculated at $5/day as it is the minimum with Your Health Wallet. All Your Health Wallet fees are charges have been debited to ensure it complies with the PDS that applies to Your Health Wallet. All fees and charges levied by Your Health Wallet are deducted for the period calculated. GAP is calculated at 49.11% based on APRA Sept 21 quarter data.

Your Health Wallet is not an insurance policy, and you should consider your personal circumstances before deciding whether to open an account. Funds deposited to an account will not be eligible for a private health insurance rebate. Your Health Wallet may be considered as a replacement for or to act supplementary to private health insurance depending on your personal circumstances. Your Health Wallet does not warrant that Your Health Wallet is suitable for your personal circumstances, and you should consider your health and financial needs before deciding whether to open an account. There is a risk that you may have insufficient funds in your account to meet the costs of health treatment depending on the treatment required and the amount deposited to your account.

Ready, Set, Join!

Traditional extras cover can leave you short-changed.

But that’s never the case with Your Health Wallet.

Open an account now, and from just $5 per day, you’ll start enjoying health and financial freedom. For the same cost as a cup of coffee, enjoy the full benefit of cover that works for you now and rolls over every year. Use your balance to pay for the services you want and say goodbye to those annoying gap fees. And, unlike tradtional extras cover, you can keep whatever you don’t use. Watch as your fund accumulates and continues to earn interest.

Ever worried Your Health Wallet balance is getting low? There’s no need to stress.

Add top-up funds or change your daily amount at any time. You can also suspend contributions to Your Health Wallet whenever you like, putting them on hold for up to three years with access to your funds.

So, what are you waiting for?

Join Your Health Wallet today. Simply fill out the membership form, verify your id and start enjoying the health care you’ve always dreamed of.  

To get your account set up, you’ll need about 5 to 7 minutes of your time, your License or other Aussie ID and your credit/debit card and you’ll be all set.

Sign up to Your Health Wallet now

Your daily contributions start from $5 per day and can be adjusted at any time, depending on your health needs.