Join today and benefit 

Member Advantage has negotiated a private health insurance offer with the Hospitals Contribution Fund of Australia (HCF), one of 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.

Join Now

To obtain a quote, or to apply, select from the buttons below:

Need more information?Free Health Insurance Assessment Download BrochureDownload an application form

NEW - Health Management Program - at no extra cost

This new and exciting program delivers holistic disease management and wellness programs to {fig_5} 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.

More Savings

Click here to log into the rest of your Member Advantage Services.

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

*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.