Which health insurers offer the under-30 discount?
17 of the 27 insurers selling hospital cover offer the age-based discount for 18 to 29 year olds on at least one hospital product, 8 of them on every one, and 10 do not offer it at all, including HCF, Australian Unity, HIF and St.Lukes Health. The discount is up to 10% of the hospital premium, kept until 41, and insurers are not required to offer it. Counted from the government's policy data, 1 Oct 2026 release.
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The discount, insurer by insurer
Whether each insurer offers the discount on its hospital products, across all its brands. 12 of the insurers that offer it are open to anyone.
| Insurer | Discount offered on | Hospital products | Who can join |
|---|---|---|---|
 Medibank Including ahm | Every hospital product | 45 | Anyone |
 Bupa | Every hospital product | 38 | Anyone |
 GMHBA Including Frank Health Insurance | Every hospital product | 18 | Anyone |
 CBHS | Every hospital product | 12 | Restricted |
 Westfund | Every hospital product | 8 | Anyone |
 Doctors' Health Fund | Every hospital product | 10 | Restricted |
 Health Partners | Every hospital product | 132 | Anyone |
 Phoenix Health Fund | Every hospital product | 30 | Anyone |
 nib Including AAMI Health Insurance, Apia Health Insurance, ING Health Insurance, Qantas Health Insurance, Real Health Insurance, Seniors Health Insurance, Suncorp Health Insurance | Some hospital products | 47 of 50 | Anyone |
 HBF Including see-u by HBF, Queensland Country Health Fund | Some hospital products | 69 of 87 | Anyone |
 Teachers Health Including TUH, Union Health | Some hospital products | 22 of 48 | Restricted |
 Defence Health | Some hospital products | 6 of 13 | Restricted |
 Latrobe Health | Some hospital products | 15 of 16 | Anyone |
 AIA Health | Some hospital products | 102 of 125 | Anyone |
 Peoplecare | Some hospital products | 34 of 51 | Anyone |
 Mildura Health Fund | Some hospital products | 3 of 4 | Anyone |
 RBHS | Some hospital products | 2 of 4 | Restricted |
 HCF | Not offered | 71 | Anyone |
 Australian Unity | Not offered | 17 | Anyone |
 HIF | Not offered | 10 | Anyone |
 Police Health | Not offered | 2 | Restricted |
 St.Lukes Health | Not offered | 30 | Anyone |
 Navy Health | Not offered | 17 | Restricted |
 onemedifund | Not offered | 1 | Anyone |
 HCi | Not offered | 16 | Anyone |
 ACA Health | Not offered | 29 | Restricted |
 Hunter Health Insurance | Not offered | 24 | Anyone |
Open products sold to the public, counted once across states and family types, from the government's policy data, 1 Oct 2026 release (CC BY 3.0 AU). Rules: privatehealth.gov.au, age-based discount, read 14 October 2026.
How the discount works
| Age when you join | Discount |
|---|---|
| 18 to 25 | 10% |
| 26 | 8% |
| 27 | 6% |
| 28 | 4% |
| 29 | 2% |
| 30 and over | None |
- It applies to the hospital part of the premium only, never extras.
- You keep it until you turn 41, then it falls by 2% a year until it reaches nothing.
- It is separate from Lifetime Health Cover loading, which starts if you take out hospital cover after the 1 July following your 31st birthday. How the loading works.
Common questions
Which health insurers offer the under-30 discount?
In the government's policy data (1 Oct 2026 release), 17 of the 27 insurers selling hospital cover offer it on at least one hospital product: Medibank, Bupa, GMHBA, CBHS, Westfund, Doctors' Health Fund, Health Partners, Phoenix Health Fund, nib, HBF, Teachers Health, Defence Health, Latrobe Health, AIA Health, Peoplecare, Mildura Health Fund and RBHS. 10 do not: HCF, Australian Unity, HIF, Police Health, St.Lukes Health, Navy Health, onemedifund, HCi, ACA Health and Hunter Health Insurance.
How much is the age-based discount?
Up to 10% of the hospital premium: 2% for every year you are under 30 when you take out the policy, so 10% from 18 to 25, then 8%, 6%, 4% and 2% at 26 to 29. You keep it until you turn 41, after which it falls by 2% a year. It does not apply to extras.
Do I keep the discount if I switch insurers?
Only if the new insurer chooses to honour it. Insurers do not have to offer the discount, and whether it carries over on a transfer is their decision too. The government's data records whether each policy allows it for people transferring in.
Can I get the discount on a family policy?
Adults aged 18 to 29 on the policy can, with a couple's discount averaged across the two adults. Young people covered as dependants on a parent's family or single-parent policy do not get it.
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