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Best Insurace Gym Membership Rebates for 2022

Gym Rebates
Georgia Carter Updated: 16 February 2022
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We all know the importance of exercise and healthy eating to maintain a healthy lifestyle. But what about when you get coverage for your workouts? Many health and life insurance providers offer discounts or rebates on fitness memberships, classes, or running routes. It’s important to note that insurance gym membership rebates often only apply if your insurer has a partnership with the gym or service provider. 

This article outlines the best health and life insurances that offer discount gym memberships, insurance gym membership rebates, and health insurance policies with gym memberships included. Remember to review and compare insurance companies and prices before making your final decision.

Key facts

  • Insurers offer discount gym membership reimbursements because exercise and fitness increase physical wellbeing.
  • Many health insurers cover gym memberships if the customer can prove they are improving their overall health or healing or preventing an illness or ailment through exercise.
  • If you receive gym membership rebates, it’s important to make the most of this benefit. Rethink your fitness goals, learn how to use the gym equipment, or try a class to truly benefit from your rebate.

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  • Australian-Unity
  • AHM
  • NIB
  • HIF
  • Phoenix-Health
  • AIA

Why do insurers offer rebates on gym memberships?

It’s important to take care of your health, so you don’t have chronic illnesses later on. Private insurers will pay less for premiums if they know that the insured is healthy and often won’t need medical attention because it’s expensive. For example, Cardiovascular disease is a significant burden on the Australian health system, both financially and logistically. Fortunately, it’s one of those problems that can easily be solved with proper exercise. Exercise not only prevents chronic health issues but can be used to treat many of them too.

Best Health insurance gym membership rebates


Bupa is making it easier for its customers to get the most out of life. In an effort that will cover some gym memberships and personal training services at recognised facilities, Bupa policyholders can enjoy discounts on fitness programs. If you need medical treatment for your diabetes and exercise helps keep the condition under control, then this benefit could be worth claiming. Make sure that any form required by Medicare contains information about why it’s necessary to start an active lifestyle while also being diagnosed with one or more chronic diseases like high blood pressure or heart disease, so they don’t reject your claim.


Medibank has announced that they will be offering 25% off of Platinum membership at Goodlife and Fitness First gyms. Customers who are Live Better members can also earn points for going to the gym, which may allow them more opportunities when it comes time to choose a health plan. 


Health funds can be used to cover the cost of your gym membership and any associated medical expenses. You may even get reimbursed for treatments such as arthritis, hypertension or asthma if they’re related to one specific condition that requires care to treat it properly. If you’re claiming for your class, HCF will require a doctor or physiotherapist to confirm the condition via an online form. Doctors and therapists can complete this necessary chore if certified in Exercise Physiology Therapies.


HBF, along with Snap Fitness, is offering 10% off for those who have health insurance with them. The deal also promises two complimentary personal training sessions, and the joining fee ($99) will be wiped. You’ll also receive a membership at no cost to yourself as well. You can take your friend along in exchange for only paying half price during their first two weeks visiting Snap Conditioning Studio.


Health insurance provider nib says its customers can claim gym membership and weight management programs – such as personal training sessions – if they have extra health cover with the fund’s Healthier Lifestyles benefits. According to nib, successful claims would depend upon using these services part-time for yourself (e g., fitness coach) or conducting them at work under an approved program like Weight Watchers. Plus, your doctor must sign off on any treatments/services provided for the form to be accepted.

gym vector

Best Life insurance gym membership rebates


Get a 10% discount on new stepped and level lump sum policies. After two years, this offer decreases by 5%, then disappears completely in the 3rd year of purchase. The Tal Health sense plus discount automatically applies a 5% reduction to your premiums if you have an eligible policy and fall within the range of 19-28 BMI.


Neos offer a 10% discount on new customers’ premiums, helping them stay healthy for less. This discount decreases by 1% each year, leaving customers to enjoy discounts for a longer period of time. Neos also offers a 10% discount on stepped lump sum premiums, which decreases to 5% in the second year and then 0% in the third year. However, with Neos Preferred account, you can receive an attractive 7.5% discount if your BMI range falls below 28.5. 

AIA Vitality

AIA offers a 10% discount on new customers on stepped premium policies, which decreases to 5% in the second and then 0% in the 3rd year. The AIA Vitality health and wellness programme offers many attractive discounts, including gym membership fees discounts. 


At MetLife, new customers receive a 15% discount in year 1 and a 5% discount in year 2 . These are for new customers only. You can receive a 10% Discount on Life & TPD insurance if your BMI range falls between 19.5-29. 

Zurich Livewell

You can receive 7.5% off your premiums when reaching Gold status at Zurich Livewell in Australia. You can access more than 4 000 lifestyle benefits and free access to the LiveWell program. The program rewards members for being physically and mentally active. Benefits include discounts on gym memberships and other fitness activities. 


BT Insurance has the ‘My Wellbeing Rewards’ that provides both new and existing clients with the opportunity to reduce their life insurance premiums by 10%. To qualify for these BT health rewards, you’ll have to have a BMI lower than 28 and need to be between the ages of 30 and 55.

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Tips for making the best of your gym membership

  • Choose the right membership: Health insurance is an important part of your life, but it can be hard to know what kind would work best. Private health coverage includes more than just hospital care. Gym membership incentives are one way that some companies provide extra benefits when you buy into their plans. Be sure to review and compare multiple policies and memberships included to make the choice that best fits your lifestyle and budget.
  • Reshape your fitness goals: The goal of any good gym is to offer you the best service and amenities for your needs. Whether you want to lose weight or increase your stamina, there are certain ways to do it and particular gyms that offer amenities to help. Check out a few gyms and rethink your fitness goals to find the gym that best suits your needs.
  • Attend a few classes: Try new things! Keep your workout exciting by mixing up exercises with classes, such as spinning and circuit training or even cardio striptease. The best part about this? You can make friends while working out in social environments that are fun for both parties involved.
  • Learn how to use the equipment: It’s no use going to the gym but being clueless about how gym equipment works. Hire a trainer for an hour or ask fellow gym-goers to show you the ropes.
  • Keep your insurance company informed: We’re living longer, healthier lives thanks to our active lifestyles. Employers and insurance providers are increasingly incentivising the insured who stay fit by rewarding them with fun goodies like gym memberships or sports teams tickets. Staying healthy is hard work, but it pays off in ways that go beyond what you might imagine: not only do people live more years of activity, they also enjoy better quality days on top-notch healthcare services at lower prices

Frequently asked questions and answers

  • Can you claim gym membership on private health?

    Various private health insurance policies offer many benefits, and it’s easy to take advantage of them. You can contact your fund in order to find out if they offer a gym rebate or how much you’ll be eligible for when requesting one. If they don’t, ask your insurer if they offer any attractive deals, benefits, or discounts related to fitness activities. Sometimes you may not claim back but can receive a discount on your gym membership instead.
  • Which life insurer offers the best gym rebates?

    This depends entirely on what policy suits you best and what you’d like to get from having a gym membership. Many life insurance companies don’t offer rebates but rather attractive discounts on memberships if your BMI range falls between specific numbers and you are a non-smoker. For example, Zurich Livewell grants you free access to its lifestyle and wellness programme that includes entrance into gyms and discounts on gym memberships. However, you can only receive this benefit if you reach gold status on your policy with them.
  • Where can I find the best rebates for a gym membership on private health?

    It’s important to review and compare numerous private health insurance policies and private health insurance discounts on fitness before making your final choice. There are many options available. For example, Nib offers gym membership rebates if you hold an extras policy with them. Alternatively, HCF will pay for your gym membership if you can prove that going to the gym improves one or more of your medical conditions, such as diabetes or arthritis.
  • How do I claim my rebate?

    To claim your rebate from your health insurance gym membership, your GP or health professional will need to fill in the company’s claim form, which is usually available on their website. Depending upon what type of fund you have, this could be valid for up two years, after which time they’ll require re-submission with all relevant invoices/receipts attached. Some portals allow you to fill the form in yourself, so you must be sure to check what your health insurance policy allows before filling in the form. Once complete, your rebate will automatically be processed.
  • Do health funds cover personal trainers?

    The health fund might cover the costs of sessions with a personal trainer if your doctor or physiotherapist recommends it. However, before you can receive payment from them for this service, they will require that both parties have certified certificates and be approved by their team members to proceed with processing any claims made on behalf of related activities such as exercise rehabilitation programs which include training courses offered at gyms specialising exclusively within these disciplines – among others.

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