Health Insurance

Join today and benefit

Member Advantage has negotiated a private health insurance offer with the Hospitals Contribution Fund of Australia (HCF), Australia’s largest not-for-profit health funds. 

When you apply through APESMA Health you will receive:

• 5% saving off the premiums for all new Hospital and Extras products
• 2 and 6 month waiting periods waived*
• You'll pay no hospital excess for accidents and same day surgery (unlike most other funds)

We believe that choosing the right health cover for you and your family needs to be simple and straightforward and we’re here to help.

Free Health Assessment

Need more information?To obtain a quote, apply, or transfer from your existing HCF membership
Download BrochureDownload an application form

If you have any questions, contact us:

APESMA Health
GPO Box 1272 : Melbourne VIC 8060 | Phone 1300 853 352
Fax 1300 853 341 | Email services@apesma.asn.au

Health Management Program

As a HCF member, you can enjoy your very own health coach. Available online or over the phone, 24 hours a day 7 days a week - and at no extra cost to members.

This exciting program delivers holistic disease management and wellness programs to APESMA Health members with chronic conditions at no extra cost. The program works alongside and supports your existing relationship with your GP and health professional.

For more information click here

*Offer only available to new members taking out Hospital and Extras cover. Waiver does not apply to waiting periods of more than 6 months, including 12 months for obstetric services, or pre-existing ailments and conditions. Psychiatric, rehabilitation and palliative care services, which have a 2 month waiting period, are also excluded from this waiver offer.