We're changing the way we do health insurance to provide more Australians with more benefits
Reduce the cost of your healthcare
Australia's first health insurance policy that allows you to save your premiums while still giving you insurance benefits. Use it to cover gap payments at the GP, exepsens at the dentist or you script at the chemist.
Only pay for what you need
With CoverMe you only pay for the care you need, everything else is saved up for you to use later.
Get your own Rainy Day Fund
Part of your premiums go straight into your Rainy Day Fund — a built-in health savings account that grows every month and can be used whenever you need care.
Built for you and your family
Choose a plan that fits your lifestyle, not someone else’s. Whether it’s a single, couple, or family policy, every policy gets its own Rainy Day Fund.
See how CoverMe gets you covered
Save your premiums
for a rainy day
No more nasty bill shocks. Access your premiums when you need them to pay for dental, optometry and more.
Don't use it?
Don't lose it
Say goodbye to yearly claim limits and expiring extras. Your rainy day fund grows with you, ready to be used whenever you need.
Enjoy the perks
of the job
Get exclusive discounts and offers on some of your favourite brand, for being members.
Be friends with your ex(tras)
Choose the extras that suit your lifestyle and leave the rest behind
Dental
Nutrition
General Health
Physiotherapy
Optical
Psychology
Dental
Nutrition
General Health
Physiotherapy
Optical
Psychology
An app built for all appetites
Access your cover anywhere, anytime.
FAQs
How does CoverMe provide value?
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As an end-user, you get the best worlds. An affordable, simple policy allowing you to take advantage of cheaper dental visits, with the flexibility to save and pay for any out-of-pocket expenses. No more lost benefits, waiting periods, and gap payment anxiety.
How much of my premiums do I get to keep?
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The portion of your premiums that goes into your Rainy Day Fund depends on your government rebate tier. The higher your rebate, the greater your personal balance — meaning you keep more of what you pay, instead of losing unused benefits each year.
How do I use my rainy day fund?
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You can pay directly from your Rainy Day Fund using your CoverMe digital card for any eligible health expenses — from dental checkups and optical visits to physiotherapy or mental health sessions. It works just like a credit or debitcard.
Do I still qualify for the Medicare rebate?
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Yes. Your CoverMe policy is a fully compliant, government-rebated Complying Health Insurance Policy (CHIP). That means you keep your Medicare rebate, your private cover, and now your own health savings fund — all in one simple premium.
How many extras can I choose?
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You can start with core services like dental, optical, or physio — then add or remove extras anytime. Your Rainy Day Fund gives you the flexibility to spend your balance where it matters most, rather than being locked into preset limits.