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Pay now and save

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* Based on an Australian Government Rebate of %, % LHC loading, $ excess for a in .

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How to prepay

Updated 28 August 2023

Paying for your health insurance ahead of a premium increase can be a great way to save in the long term!

Here’s your prepay info ahead of the delayed 2023 increase:

How much can I prepay?

You can prepay your cover for up to 12 months via a one-off manual payment. Also, the maximum amount you can pay is 12 months from the payment date. It’s up to you how much of the 12-month maximum you lock in before the next premium increase.

How do I calculate my prepay amount?

Here are the steps:

Use the Online Member Services premium calculator to check how much to pay up to a given date, or how far a given dollar amount will take you.

Here’s how:

  • Log in
  • Go to Payments
  • Click Premium calculator
  • Either Calculate amount or Calculate date
  • Click Calculate.

How can I prepay?

You can pay by credit card or BPAY via Online Member Services. Here’s how:

Credit card

  • Select Pay by credit card
  • Enter Payment amount
  • Select Card type
  • Enter Card number
  • Enter Card name
  • Enter Card security code
  • Enter Card expiry date (by selecting the date and month)
  • Accept Credit card declaration
  • Click Submit.


  • Select Pay by BPAY.

Member Care Counters

  • Payments can also be made at our Surry Hills or Parramatta Health Centres up to 4.45pm on 29 September 2023.

What is the prepay deadline?

It depends on how you usually pay your premiums – here are the key dates:

Direct debit

You’ll need to make your one-off payment at least a week before your next scheduled direct debit.

If your next scheduled direct debit is on or after 29 September we need to receive your one-off payment by 26 September (8pm). How to make a payment

Once your payment has gone through, future direct debits will be paused until you reach your new paid-to date.

Credit card or BPAY

If you pay by either of these methods, please make your payment by:

    • BPAY: 29 September (6pm)
    • Credit card: 30 September (9pm)

How can I check when I’m paid up to?

Around three business days after prepaying, you check your paid-to date via Online Member Services:

  • Log in
  • Go to My membership
  • Click Cover details
  • See Paid-to date.