Here are the added perks you didn’t know health insurance can offer

It can be a big job to invest in our health — unless you know where to look. Many of us are underutilising the programs our health fund provides, focusing only on the big health events like hospital stays, surgeries or the odd physio appointment. But sometimes there’s a whole world of extra value packed into your cover that flies under the radar. From empowering health programs to mental-wellness tools and pregnancy support, your fund might offer more for you than you realise — you just need to know where to look.

It’s not just about being ‘sick’ — it’s about staying well

A good health fund doesn’t just step in when things go wrong. Some offer free or included access to health programs designed to support you at life’s big and small moments, providing a holistic approach to managing your health — whether it’s managing chronic conditions, staying active, and pre- and post-baby care.

For example, Peoplecare Health Insurance offers a range of physical and mental health-management programs (at no extra cost, if eligible), giving members the tools to look after their wellbeing proactively, rather than just reacting to health issues.

Mental health matters — and your policy should reflect that

The past few years have made one thing super clear: mental health is just as important as physical health. If you’ve ever delayed seeing a psychologist or thought mental-health support was out of reach, check your cover. Many policies include rebates for counselling or psychology services, and some funds go even further by offering mental-wellness programs.

Your health fund should support you well before a crisis, and in ways that feel personal, not just clinical.

Family planning and childbirth support beyond the hospital stay

Planning a family? Already in the thick of it? Health insurance can usually support more than just the birth itself. Some funds contribute towards prenatal classes, breastfeeding consultations and postnatal physiotherapy. That means practical support before, during and after baby arrives — something especially helpful for first-time parents or those balancing a growing brood. Tip: Not all covers include pregnancy and birth related services, so if you’re planning ahead, give yourself at least 12 months to get covered in time.

Service that supports and works for you

You’re paying for health cover, so don’t be afraid to ask your fund questions and use the programs you are entitled to. Paid health cover should make your life easier, not more complicated.

Whether you’re looking into a new appointment or planning for a major life milestone, your fund should support you through every chapter — with transparency, choice and care. If you’re not getting the support you need or aren’t sure what your policy includes, reach out to your fund or look it up. It only takes a few minutes, and you may discover more value, services and support than you expected.

You should have a health insurer that’s with you — not just when things go wrong, but for every step of your health journey.

Peoplecare Health Insurance is a 100 per cent member-owned not-for-profit health insurer.

With a 97 per cent^ member-satisfaction rate, Peoplecare Health Insurance has been empowering Australians on their health journeys for more than seven decades. Discover a team that genuinely cares. It’s how health insurance should be.

Join now for up to six weeks* free on combination cover. Learn more here.

Note: This article contains general advice only. Readers should seek a trusted professional’s advice on insurance matters. Please read the applicable product disclosure statement(s) on the Peoplecare Health Insurance website before acquiring any product.

^Source: IPSOS 2023 survey

*T&Cs apply. Six weeks free applied after 60 days of maintained cover. Offer ends June 30, 2025.