Need more

Why not contact us?

P: 1300 306 289

F: (03) 9880 7939

Email >


Members Own Health Funds

Members Own Health Funds are a group of not-for-profit and mutual health funds run only to benefit their members, not profit-seeking shareholders. The alliance has been created to ensure not-for-profit and mutual health funds can effectively communicate the advantages they provide over funds driven by the profit needs of shareholders and overseas owners, such as Medibank Private, BUPA and NIB.

There are many advantages of being a member of a Members Own Health Fund, like Navy Health, such as;


You’re part of a health fund that’s run to benefit members

All Members Own health funds are Australian owned and operated – they don’t have investors or overseas owners. They exist to provide more premium dollars back to you and your family in benefits. On the other hand, household name insurance companies like Medibank, AHM, and nib are driven by investors to maximise the profits they can extract from you, and Bupa returns profits to its overseas owners.


You’re a person not a profit centre

Members Own health funds have members, not policy holders. And because Members Own funds exist to benefit members, profits are reinvested to provide better health benefits and better service to members and their families.


As a member, you get more back from your cover

Over the past five years, Members Own Health Funds have collectively given a higher percentage of premiums back to members in benefits than Medibank, AHM, nib and Bupa combined. More of your premium dollar comes back to you in benefits.


You’re provided with better, more personal service

Over the past five financial years, Members Own Health Funds have collectively had higher member retention rates of 2+ years and lower rates of complaints to the Private Health Insurance Ombudsman compared with Medibank, AHM, nib and Bupa combined.


Members own


The data used to support Members Own facts has been independently validated by KPMG. Access the report.

Member Login

Register | Forgot Password