Other funds may apply exclusions (you agree not to be covered at all for certain treatments). For example you may have hospital cover but it excludes joint replacement.

Just like the famous breakfast cereal, our joints are capable of making all kinds of distinctive snap, crackle and popping noises.

Can you think of a career that’s requires more physical activity and responsibility than a police officer or fire fighter?

Close up of fireman

There are not many jobs out there that save lives every day. But doctors, nurses, firefighters, lifeguards, and ambulance officers are a few that top the list.

firefighter off duty clutching chest

Firefighters are at a greater risk of suffering from heart attacks, 

Father playing with son

Shift work, overtime and missing events are unavoidable aspects of emergency services work for firefighters, paramedics, nurses, doctors, water search and rescue, and state emergency services.

Paramedic assisting patient

Paramedics face unique mental heal

Man touching back in pain

Holding hoses for hours, carrying stretchers, and balancing people on surfboards all involve great strength. It’s just another day in the life for you and other firies, surf lifesavers, paramedics and nurses.

And as we get older, we become more susceptible to back issues.

There are different kinds of back pain ranging from a dull, constant ache to that sudden, sharp twinge.

Energy drinks resting in a pool of ice

Staying alert at all hours of the night is part of our job. We need to think on our feet, respond quickly and make decisions – all within stressful moments.

We do whatever we can just to keep our eyes peeled, but we often need support. A lot of us turn to caffeine, energy drinks and dietary supplements. But, while popular, they certainly aren’t the best choice.

Unhealthy Eating in bed

When you’re on the go, it’s hard to resist thinking about food in the same way – something that needs to be consumed quickly. 

But as shift workers and the people on the front line, you need sustained energy. 

Gold Hospital

A WORD FROM OUR CEO, SCOTT WILLIA