HOW IT WORKS
🇦🇺 Australian Owned · For Australian Residents Only
🇦🇺 YOUR MONEY. YOUR WAY. YOUR WALLET.
Step 1
You Contribute
From $5/day
Your choice
→
Step 2
NAB Custodian
Holds your funds
Earns interest
→
Step 3
Balance Grows
3% p.a. interest
Rolls over annually
→
Step 4
You Spend
On what you need
No gap. No limit.
❌ Old Way (Extras Cover)
Your money disappears every year
Premiums rise every April 1st
You still pay the gap out of pocket
✅ Your Health Wallet
Unused money stays yours — always
Fees locked forever at registration
Earn interest on your unspent balance
Simple. Transparent. On your side.
Four steps to smarter health spending.
01
Keep your hospital cover
Your Health Wallet replaces your extras cover only — not hospital. Keep your existing hospital cover with any fund you choose. You’ll likely save money on your hospital premium too, since most funds discount hospital-only policies.
02
Open your wallet
Sign up online in minutes at app.yourhealthwallet.com. Choose your daily contribution from $5/day. No waiting periods — your balance is available immediately from day one.
03
Grow your balance
Unspent funds roll over every year and earn interest at a competitive rate. Every dollar you don’t spend stays in your account — growing until you need it. No use-it-or-lose-it.
04
Use it your way
Dental, optical, physio, hospital gaps, GP gaps, ambulance, mental health, and more. After 12 months, even pet health. Gift extras to family members. Your money, your choice.
⏱ EVERY WEEK COUNTS
Ready to keep your health dollars?
No waiting periods. No rate hikes. Fees locked at registration — forever. Open to Australian residents only.
🔓 Open Your Health Wallet — From $5/day
🇦🇺 Open to Australian residents only · Not available to temporary visa holders · Read the PDS before deciding · General information only, not financial advice