VSPRY is a smart alternative to health fund extras policies. Instead of paying huge premiums, and then having to pay out-of-pocket costs when you visit a dentist, physio, chiro or optometrist; use your VSPRY Health Stash account and only pay for what you use. Plus, you get to spend on healthcare you want!


Deposit into your Health Stash account and watch your balance grow.


Use our app to access your Health Stash account, and pay a practitioner.


Be rewarded by your practitioner for investing in your health.


It's your health, and your money. Build your stash, and be very spry.



It's easy to get started ...


Go to our web app

No download required. It works on your mobile, tablet, laptop or desktop.


Create a free account

It’s just like a savings account, but designed for healthcare. Sign up, verify your identity, and you’re good to go.


Start investing in you

Add funds, setup a regular deposit schedule, and take control of your healthy future, because it belongs to you. Very spry.



All deposits made to your Health Stash account remain yours. You don't need to worry about rushing off to Specsavers at the end of the year to get that 2 for 1 deal on glasses, that you actually don't need. You get to determine where you can spend your money. Paying into traditional health insurance is like renting a house that you'll never own. Health Stash is about building an asset for you, one that you feel proud of because it belongs to you.

— spend at traditional healthcare providers like doctors, dentists, and physio’s.

— spend at wellness specialists like naturopaths, yoga classes and gyms.

— spend at petcare providers like veterinarians, animal hospitals, and puppy schools.



If a practitioner is on our platform, you can pay using our app. No cards to carry or PIN numbers to remember. You can also upload a receipt and obtain reimbursement if you pay by another method.

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Easy mobile payments

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See your balances

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Find practitioners

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Earn rewards

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Book appointments



Just to be really clear, a Health Stash is not insurance. You can’t spend more than you have saved, unless you add optional Hospital Cover. 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. There are no long-term contracts, and you can withdraw your Health Stash with 30 days notice if you need your money back, with no fees or penalties.



VSPRY is all about helping you to save for your future health and wellness needs. But it can sometimes make sense to buy Hospital Cover, to reduce tax, or to provide a safety net. VSPRY has a Distribution Agreement with nib health funds limited. If you purchase a Hospital Cover policy, all servicing, claims and customer support is provided to you by nib.

Avoid the Medicare Levy Surcharge

If you earn over $90 000 per year as a single, or over $180 000 per year as a family, the cost of a premium can often be less than the tax surcharge you would otherwise pay.

Avoid public waiting lists

The public health system is pretty good, but there can be wait lists for elective procedures. Hospital cover can help you get your elective procedure completed more quickly.

Low cost

Choose your level of cover, and avoid paying for services you can get done in a public hospital, or simply will never need.





Open a Health Stash account and own your health future.

© VSPRY 2019-2021 with all rights reserved. This website is operated by Vspry Australia Limited ABN 41 631 026 330, a public company limited by shares, incorporated in Australia, and whose ultimate holding company is Vspry International Limited ABN 59 631 026 027 ("VI"), a public company limited by shares, incorporated in Australia. VSPRY® is a registered trademark of VI.


Our mission is find new and better ways for you to take care of your health, ways that put you in control, and let you decide what’s best for you. We have a vision for a future that will be brighter, and healthier, because it belongs to you.


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. Technology services are provided by Vspry Services Pty Limited ABN 73 646 565 611. Always read the relevant Product Disclosure Statement, our General Terms, and any product-specific Terms.


You can contact us by telephone on 1800 934 185 (or +61 7 3184 4111 if calling from outside of Australia). If you are deaf or have a hearing or speech impairment, you can contact the National Relay Service in Australia on 133 677 and ask for 1800 934 185, or use the SMS Text Relay Service SMS relay by sending a text message to +61 423 677 767. You can visit us at Level 19, 10 Eagle St Brisbane, Queensland, on business days between the hours of 8:30am and 5:00pm. You can send us mail to PO Box 311 Wynnum QLD 4178. You can use our Live Chat service by clicking on the VSPRY Chat icon on this website. You can email us at support@vspry.com. You can message us using Messenger at m.me/vspry.health, or using SMS or WhatsApp on +61 488 857 184.