ABOUT US
🇦🇺 Australian Owned · For Australian Residents Only
Built for Australians who are tired of being ripped off.
OUR MISSION
“Give every Australian the right to keep their unused health dollars for their health needs — not to donate it to a fund’s profit.”
Founded by Australians. Licensed by ASIC. Built for you.
ASIC Licensed
AFSL 500574
ARSN 627 076 411
Full transparency
NAB Custodian
Your funds held by
NAB-approved custodian
Bank-level security
AFCA Member
Independent dispute
resolution available
to all members
100% Australian Owned & Operated
Designed from the ground up for Australians, by Australians who are tired of watching health premiums rise every year while delivering less and less value. Open to Australian residents only. Not available to temporary visa holders.
Your Health Wallet was founded with one mission: give Australians a smarter, fairer way to manage their health spending.
Our Story
After years of watching health insurance premiums rise faster than inflation — while claim payouts shrank — our founders decided enough was enough. The extras cover model is broken. Funds collect premiums, impose waiting periods, and deny claims on technicalities. Australians deserve better.
Your Health Wallet is a licensed financial product (ASIC licensed) that works like a health savings account. You contribute daily, your balance grows with interest, and you spend it on the health services you actually need — with no waiting periods, no rate hikes, and no fine print.
ASIC Licensed
ASIC
Australian Securities & Investments Commission licensed financial product
NAB
Member funds held by NAB-approved custodian — your money is protected
AFCA
Australian Financial Complaints Authority member — independent dispute resolution
BUILT FOR AUSTRALIANS. Licensed BY ASIC.
You’ve read our story.
Now start yours.
Your health fund keeps the money you don’t spend. We give it back to you. That’s not a product — that’s a principle. And it’s been registered with ASIC since day one.
Open Your Health Wallet — From $5/day
Open to Australians and Australian residents only · Not available to temporary visa holders · Read the PDS before deciding · General information only, not financial advice · Issued by Xtras Health Plan Pty Ltd (AFSL 500574, ARSN 627 076 411)