Below is a concise summary of Australian private health insurers that commonly offer access to wellness services (gym rebates, health‑management programs, health coaching, quit‑smoking or weight‑loss programs, allied‑health/physio rebates, telehealth/virtual care, and — more recently — pathways to cover some natural therapies under clinical health management plans). Because cover varies by product and by Extras vs Hospital cover, always check the exact policy/Extras booklet before relying on a benefit.

Major insurers that offer wellness-type services or gym/healthy‑living rebates

• Bupa — gym membership rebates, health‑management programs, virtual care and a growing network of Bupa health centres/clinics (also offers allied‑health and condition‑management programs). (theaustralian.com.au)
• Medibank (including ahm) — Medibank and its ahm brand list Health Improvement / Healthy Living benefits (exercise classes, gym rebates when part of a clinically‑necessary plan, quit smoking, nutrition and weight‑loss programs). (canstar.com.au)
• HCF — gym membership/healthy‑living rebates, weight‑management pathways and allied health claims linked to chronic condition management. (finder.com.au)
• NIB — extras that can include gym/personal training, weight‑loss programs and allied‑health rebates under certain Extras policies. (finder.com.au)
• AIA / AIA Vitality (through insurer arrangements) — wellness rewards and discounted gym memberships via the Vitality program (discounts, device deals, healthy‑living incentives). (canstar.com.au)
• Health Partners (and other not‑for‑profit funds such as Australian Unity, HIF, Teachers/Nurses & Midwives funds) — many funds offer some form of lifestyle/health improvement benefits or partner discounts with gyms/fitness providers. (finder.com.au)

Other insurers often listing some wellness or gym-related benefits (varies by Extras level)

• AAMI, Apia, CBHS, Frank, ING/Real Health, Phoenix, Qantas, Queensland Country, RT Health, Suncorp, UniHealth, Westfund and several regional/specialist funds — many include diet & lifestyle, exercise physiology, or gym/personal training rebates on relevant Extras policies. (Finder/Canstar listings summarise which funds commonly include these benefits.) (canstar.com.au)

Recent regulatory change that affects “natural therapies”

• A 2024–2025 review and subsequent legislative change means selected natural therapies (Pilates, yoga, tai chi and other modalities) were recommended for re‑inclusion as rebate‑eligible when delivered as part of a clinical health management plan; funds have been working with industry to implement processes (government and industry briefings indicate implementation work through 2025/early‑2026). This may expand what insurers can offer for structured programs. If you want natural therapy rebates, check fund policy details and whether the therapy is covered only when part of a clinically justified program. (ausleisure.com.au)

Types of wellness services you’ll commonly find and where they sit in cover

• Extras (most common): gym membership rebates, personal training (when clinically indicated), dietitian/nutritionist, physiotherapy, exercise physiology, group‑fitness classes, weight‑loss programs, smoking‑cessation programs, allied‑health services, and some behaviour‑change/healthy‑living programs. (canstar.com.au)
• Condition‑management programs (could be part of hospital or extras benefits): structured programs for diabetes, musculoskeletal rehabilitation, cardiac rehab, weight management and chronic disease prevention — often need GP/allied‑health referrals or a formal health management plan. (theaustralian.com.au)
• Insurer-run digital/telehealth services and hubs: many large insurers now run telehealth, mental‑health programs, allied‑health hubs or physical clinics as part of their “connected care” strategies. (theaustralian.com.au)

How to check a specific policy quickly (recommended)

1. Look at the fund’s Extras product summary and “What we don’t pay” section — this lists eligible items and any clinical requirements. (finder.com.au)
2. Search the fund site for “Health Improvement”, “Lifestyle” or “Healthy Living” benefits (names vary: e.g., Health Improvement Benefit, Health Weight, Active & Healthy, Vitality). (canstar.com.au)
3. If you already have a condition and want ongoing rebates (e.g., gym/physio for diabetes or osteoarthritis), confirm whether a GP/physio referral or a formal health management plan is required. (canstar.com.au)

If you’d like, I can:

• Look up the wellness benefits for a specific insurer and a named Extras product (I’ll check the fund’s product summary and give the exact benefits and any clinical criteria), or
• Compare 3–4 policies side‑by‑side for gym/healthy‑living benefits and list claim limits and key conditions.

Which would you prefer? (If you want me to check a specific fund/product, tell me the insurer and the Extras product name or your postcode so I can find applicable regional products.)