About Your Health Wallet

Made by people who care

Your Health Wallet was founded by a dentist who saw his patients struggling to pay for treatment.

He knew they were cancelling appointments because they didn’t have the up-front cash or the money to cover gap payments. And, no matter how much his patients changed their level of cover, they frequently fell short.

Something had to change, and for this very concerned dentist, it was time to look beyond existing health insurance products and stop people from choosing between their finances and their health.

That’s when Your Health Wallet was born. It has been around since 2018 and was know as XHP before rebranding to Your Health Wallet in 2023 to be more representative of what the funds are for.

Australian Owned and Operated

Your Health Wallet is the alternative way to get the extras you need, 100% designed from the ground up by Australian consumers and health professionals.

Open Your Health Wallet now

A different way, a better way

At the heart of the Your Health Wallet story is the life-changing vision that people should be able to afford quality care for themselves and their families.

Built by real people with lived experience, Your Health Wallet puts patients back in control.

Your Health Wallet is more than just a fund; it represents financial and emotional freedom.

You deserve the best care and the peace of mind that you’ll have the money to pay for it.

What makes us different

Your Health Wallet is a managed investment scheme licensed by ASIC. It is not insurance. It is designed to be an alternative for Extras only cover.
  • Licensed by ASIC to provide a financial service - AFSL 500574.
  • Your Health Wallet Health Plan Savings Scheme is registered with ASIC - ARSN 627076411.
  • Funds are held by a Custodian approved by ASIC with NAB.
  • Funds are managed as per the terms of the PDS.
  • Your Health Wallet is a member of the Australian Financial Complaints Authority.
  • Funds are managed in low-risk bank depository products and can be withdrawn at any time.
How it works
Frequently Asked Questions

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

AFSL:   500574
ARSN: 627076411
ABN:   92618020885

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Product Disclosure Statement
Financial Services Guide
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Continuous Disclosure Statement
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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.