Are gym memberships covered by health insurance?

Get discounts on a number of lifestyle and wellness programs

Average customer rating: 4.3/5
Written by Joshua Malin
Reviewed by Steven Spicer
Updated 9 May 2024

Why take out cover for gym memberships?

Maintaining a healthy lifestyle can be difficult, especially when you live a busy life, which is why Australians should take any advantage they can find. Here are a few benefits to having cover for gym memberships and other lifestyle programs:

  • Many Australians think that their health insurance is only for when they’re unwell or sick, but as we know, prevention is the best cure. By taking better care of your health now, you could stay healthier for longer.
  • Living a healthier lifestyle now could also save you money in the long term. By investing in keeping fit now, you could avoid potentially costly medical procedures in the future.
  • Alongside cover for gym memberships, your health insurance can also pay towards personal training, exercise physiology and physiotherapy to make sure you’re staying fit the right way.

Choosing cover for gym memberships

If you’re interested in cover for gym memberships, one of the best things you can do is browse and compare a range of policies to see which one suits your needs. Here are a few things to look out for in a policy:

  • Extras limits. When you take out an extras policy, you’ll be subject to limits on the amount you can claim. If the amount you can claim on gym memberships per year is less than your annual gym fees, you’ll need to pay the difference out of your pocket.
  • Waiting periods. On an extras health insurance policy, the waiting periods before you can claim are up to the discretion of the health fund and can vary by individual policy. This means you might be able to find a policy with shorter waiting periods for gym memberships, so you can get in the gym sooner.
  • Other extras benefits. One of the best ways to get value out of your extras health insurance is to find a policy that offers multiple services that you know you’ll use. When you compare extras insurance, consider the full range of services offered and ask yourself how many would benefit you.

Expert tips for choosing the right cover for gym memberships

Our health insurance expert, Steven Spicer, has some tips on how to find a health insurance policy that pays a benefit towards gym memberships and suits your needs and budget.

Steven Spicer
Executive General Manager – Health, Life & Energy

Discuss your requirements before signing up

Some health funds have specific requirements that must be met before you can claim on their gym membership benefits. It’s a good idea to speak to your health fund to understand if you’re eligible and, if so, what the process is for claiming gym memberships on health insurance.

An expert could help you find the policy you’re looking for

Many policies don’t include benefits for gym memberships, so it can be time consuming to find policies with this inclusion and to understand the eligibility criteria involved. If this is something that you’re interested in, one of our health insurance experts would be happy to help.

Consider a range of lifestyle benefits

These benefits aren’t limited to the gym membership itself. Depending on your policy, you may also be able to claim on personal training sessions, dietician consults and more.

Gym memberships and health insurance

Claiming your gym membership on health insurance

Why are gym memberships covered by health insurance?

What type of health insurance covers gym memberships?

How much can you claim on gym memberships each year?

How to claim your gym membership fees

Gym memberships exclusions

Rebates for referrals only

Arrangements with certain gym franchises

Personal training sessions and instructors

Meet our health insurance expert, Steven Spicer

Steven Spicer
Executive General Manager – Health, Life & Energy

As the Executive General Manager of Health, Life and Energy, Steven Spicer is a strong believer in the benefits of private cover and knows just how valuable the peace of mind that comes with cover can be. He is passionate about demystifying the health insurance industry and advocates for the benefits of comparison when it comes to saving money on your premiums.