To help make private health insurance more affordable for young Australians, health funds are now able to offer a discount of up to 10% for members ages 18 – 29. The objective of this initiative is to encourage young Australians to take up private health insurance, and in turn increase their ability to access private hospital services.

It’s important to know that this discount is voluntary and not all health funds will be participating. At Doctors’ Health Fund we recognise the importance of young people within the private health system and have chosen to support this new initiative. Therefore we’ve made this discount available on all our hospital covers.

The discount ranges between two percent and 10 percent per annum; depending on when you purchase health insurance between the age of 18 and 29. What’s even better is that your discount stays with you until you turn 41, after which time it reduces at a rate of 2% per annum until you turn 45.

The table below outlines the applicable discount which is based on your age.

youth discount table

If you are already a member of Doctors’ Health Fund this will be based on your age at 1 April 2019. If you are new to private health insurance this is based on your age when you first take our cover after 1 April 2019.

If you are switching from another fund that also offers the Youth Discount then your discount will carry over when you switch. If the fund you are switching from does not offer the discount then your discount will be calculated based on your age when you join Doctor’s Health Fund.

So, who can join Doctors' Health Fund?

Doctors’ Health Fund was created specifically to serve the needs of the medical community and their families. This means that even if you’re not a doctor you may be eligible to join. And once you’ve been a member, you can remain a member even if your job or relationship status changes. 

If you belong to any of the following categories, we’ll be delighted to welcome you. 



For more information about the youth discount or if you have questions regarding your eligibility to join the fund please email us at or call us on 1800 226 126.