Short answer: Many major Australian private health insurers offer wellness or chronic‑condition management programs for eligible members — but what’s included depends on the fund, the specific product/level of cover and eligibility criteria. Examples include HCF, Medibank, NIB and Bupa (among others). (Information current as of 25 September 2025). (HCF.com.au)

What that means in practice

• These programs are generally offered to eligible members (often those with particular chronic diagnoses or with particular hospital/ancillary policies) and are run as telephone coaching, digital programs, allied‑health packages or integrated “connected care” services. (HCF.com.au)
• Programs commonly target conditions such as heart disease, diabetes, COPD, osteoarthritis and musculoskeletal problems (examples: HCF’s COACH/Cardihab, Medibank’s CareFirst and Better Knee, Better Me, NIB’s health‑management programs). (HCF.com.au)

Typical eligibility and limits to check

• Whether you need a particular type/level of cover (some programs require hospital cover or specific extras). (HCF.com.au)
• Clinical eligibility (diagnosis, BMI, recent referral from a GP/specialist or risk profile). (HCF.com.au)
• Program length, number of coaching sessions, whether it’s free or co‑paid, and whether GP/Allied Health fees are covered. (HCF.com.au)

How to find the right cover quickly

1. Look at the insurer’s “health management”, “chronic condition” or “wellbeing” pages (examples: HCF, Medibank, NIB, Bupa). (HCF.com.au)
2. Check the Product Information Statement (PDS) or member‑benefits pages for the specific policy you or your employer offers — those documents note eligibility and any waiting periods. (Medibank.com.au)
3. If you already have a GP Chronic Condition Management Plan or allied‑health referral, ask your insurer whether that helps you qualify. (Note: Medicare/GP chronic condition arrangements changed in 2025 — that can affect allied‑health access; check current Medicare/MBS rules if you’re using GP plans). (servicesaustralia.gov.au)

If you want, I can:

• Check specific programs and eligibility for a particular insurer and policy (I’ll need the insurer name and the policy/product name), or
• Compare 2–3 insurers’ chronic‑condition/wellness offers side‑by‑side.