Health Saving

Just like a savings account, you deposit a regular amount and earn income on your Health Saver account, whilst you sleep safe knowing that we give you the discipline to only spend your savings on health and wellness services.

All deposits made to your Health Saver 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.

Paying into traditional health insurance is like renting a house that you'll never own, so if you stop your contributions, you have nothing to show for it. Health saving is about building an asset for you, one that you feel proud of because it belongs to you.

You can use our app to track your savings, book and pay a practitioner, all from the comfort of your smartphone. There are no PIN's to remember, and no plastic cards to clog up your wallet.

You don't need to make a long-term commitment, so if you want to close your account, just give us 30 days notice and your savings are returned to you without any fees or charges.


Savings are safely held within an ASIC-registered, managed investment trust called Vspry Live Well Trust ARSN 639 486 132. The trust has an independent trustee and custodian. We invest your savings with one or more Australian banks, and aim to exceed the Reserve Bank of Australia's benchmark (series FRDIRSAC10K) for Online Savings Accounts with a $10,000 balance, which as at June 2020 is 0.05% p.a.

100% Choice

You get to decide where to spend your Health Saver funds. Spend them on common procedures such as visits to the dentist, chiropractor, physio or optometrist. Or, spend them at the gym, at a sporting club, at the vet for your pet, with a naturopath, or any other practitioner that in your opinion assists you to live well.

Your Health Saver account gives you the power to decide what wellness means to you. It's a health plan designed by you, for you.


It might just be you and your pet. Or you might have a significant other, or a clan of children that never want to leave home. Open one account and pool your family health savings.

Built for you?

Learn more about whether VSPRY is built for you.

Our app

  • See your balance at any time
  • Search for transactions
  • Find a practitioner
  • Book with a practitioner
  • Pay a practitioner or ask us for a reimbursment
  • Add a household member
  • Use PayLater
  • Get a quote for and purchase Hospital Cover

No downloads required, and it Works on any modern device.

It's a self-health plan

Let's be really clear - you can only spend what you have saved in your Health Saver. If you incur a medical bill and you don't have enough savings in your Health Saver, you will need to fund the difference from another source. However, the best part of this is that you are not funding someone else's healthcare, and you will only pay for what you use. Now you can have a health plan that covers services that you want.

Optional Hospital Cover

If your income is more than $90,000 a year ($180,000 for families), it can make financial sense to buy low-cost Hospital Cover, as the cost of the premium can often be less than the tax surcharge you would otherwise pay. The public health system in Australia is pretty good, but there can be wait lists for some elective procedures. Hospital cover can help you get your elective procedure completed more quickly.

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


As background, the origin of our brandmark VSPRY, is the shortening of the words "very spry". Spry means full of life and energy, which is what we want for you.

Important Documents

Financial Services Guide

You can learn more about our products and services by reviewing our Financial Services Guide.

Product Disclosure Statement

You can learn more about the Vspry Live Well Trust by reviewing the Product Disclosure Statement.

©2019-2020 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. Your health, your way. Be very spry.