Live Well Cover
We give you the best way to save and pay for your life-long wellness.
A VSPRY HEALTH SAVER
Invest in Yourself
You can invest in a house. You can invest in a business. You can invest in superannuation. But your investments aren't much use if you don't have your wellness. Health insurance makes sense for high income earners or those that have chronic illness, but for many young and healthy people, a Vspry Health Saver is a smart way to invest in your most important asset.
Save
Deposit into your Vspry Health Saver and watch your balance grow and earn monthly income.
Spend
Use the Vspry app to access your Vspry Health Saver and pay a practitioner.
Earn Rewards
Be rewarded by your practitioner for investing in your health.
Live Well
By saving, spending and earning rewards, you are empowered to reach your health and wellness goals, so you can live well.
WHERE TO BEGIN
It starts with a Vspry Health Saver
It's easy to get started! Simply navigate to our web app from the menu and create a free account.
Navigate to our web app
Tap here to navigate to our web app - no download required.
Create a free account
A Vspry Health Saver is free to open. It’s just like a savings account, but designed for health saving. Sign up, verify your identity, and you’re good to go.
Start your Live Well Plan
Add funds and setup a Vspry Health Saver deposit schedule and start investing in you.
FREEDOM OF CHOICE
Wellness without limits
Traditional health funds devote most of their contract conditions trying to explain what you are not covered for. If you find it confusing, or you find it paternalistic to be told what treatments or practitioners you are allowed to use, we’re with you. That’s why you can spend your Vspry Health Saver funds with any practitioner or retailer that helps you to live well.
Traditional healthcare providers like doctors, dentists, and physio’s.
Wellness specialists like naturopaths, yoga classes and gyms.
Petcare providers like veterinarians, animal hospitals, and puppy schools.
BUILT FOR THE MOBILE GENERATION
Vspry App Features
If a practitioner is on the Vspry platform, you can pay using the Vspry app. No cards to carry or PIN numbers to remember. You can also upload a receipt and obtain reimbursement if you pay by another means.
Easy App Payments
Cardless
See your Balances
Find Practitioners
Receive Rewards
Book Appointments
ONLY PAY FOR WHAT YOU USE
It's a DIY health plan
Just to be really clear, a Vspry Health Saver is not insurance. You can’t spend more than you have saved, unless you access our PayLater product. You can sleep comfortably knowing that you are not buying health services you will never use, and you are not funding the healthcare of the wealthy. It’s a DIY health plan that covers items that you want.
STILL WANT INSURANCE?
Optional Hospital Cover
It's optional, but sometimes it just makes sense!
Avoid the Medicare Surcharge
If you earn over $90 000 per year as a single, or over $180 000 per year as a family, it might make sense to take out Hospital Cover.
Avoid public wait lists
The public health system is really good, but there can be wait lists for some elective procedures. Hospital cover can help you get your procedure completed more quickly.
Designed for the young & healthy
Select from Basic Essential Plus, Bronze Plus or Silver Plus for a range of affordable hospital cover for the young and healthy.
Frequently Asked Questions
Where does Vspry invest my health savings?
All funds are invested into a cash management facility with one or more Australian banks.
Can I open one account for my family?
Yes. You can open 1 account, and then nominate family members to use your Vspry health savings for health, wellness and veterinarian services.
How do I make a deposit?
Login to your Vspry account and select “Add Funds”. Once you have completed the request, Vspry will initiate a direct debit from your nominated bank account.
Who can I spend with?
It’s a long list. View our www.vspry.com/merchantcategories page.
What is PayLater?
Let’s assume you have $1 000 in your Vspry Health Saver, and you visit the dentist and need $1 400 worth of treatment. Subject to approval, Vspry will allow you to defer the $400 and repay it over a small number of equal fortnightly or monthly installments, interest and fee free!
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©2020 Vspry Australia Limited ABN 41 631 026 330. Products and services shown on this website are currently not available for sale until such time as various regulatory and licensing approvals have been granted. The information on this website is general in nature and doesn't consider your personal circumstances, so please take the time to make sure that a product or service is right for you. Products and services are issued by different companies. Saving/investment products are issued by Kinsmen Securities Limited ABN 50 100 139 820 AFSL 222650. Hospital cover products are issued by nib health funds limited ABN 83 000 124 381. PayLater products are issued by Vspry Money Pty Limited ABN 88 638 831 857. Merchant products are issued by Vspry Australia Limited ABN 41 631 026 330. Reward products are issued by Vspry Rewards Pty Limited ABN 88 638 677 595. Always read the relevant Product Disclosure Statement, our General Terms, and any product-specific Terms. VSPRY® is a registered trademark of Vspry International Limited. Live your best life and be very spry.