Cheap health cover - members only

Restricted membership health insurance funds deliver top policies at lower prices – and you may be able to join one.
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03.Who can get it?

Another reason to check out restricted membership funds is their solid track record of satisfied members. In our 2012 survey, Teachers Health, Defence Health and CBHS all had significantly better member satisfaction for their hospital and extras cover than open funds.

CBHS was the best-rated fund, with 88% member satisfaction in hospital cover and 87% in extras cover. Hirmaa, the industry association for all restricted membership funds and some regional funds, has conducted its own survey with similar results. “We’re very confident hirmaa funds have much higher satisfaction rates than the bigger open funds,” says chief executive Ron Wilson.


ACA – Seventh-day Adventist Church employees

CBHS – CBA group

Defence Health – Defence community

Doctors’ Health Fund – Doctors and health practitioners

Health Care Insurance – Forestry, timber and paper industries and contractors

Navy Health – Defence community

Phoenix – OneSteel & associated companies

Police – NT, Qld, SA, Tas and WA police

Railway and Transport – Transport and electricity

Reserve Bank – Reserve Bank and Note Printing Australia employees

Teachers Health – Education union members

Transport Health – Transport industries

TUH – Education sector

For more information about their policies, see


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