Registration as a Private Health Insurer - Australian Government

Service summary

You will require this registration if you intend to operate as a private health insurer and carry on a health insurance business.

You can either be registered as a:

  • For profit insurer; or
  • A restricted access insurer.

A restricted access insurer is a company that, under its rules or constitution, only provides insurance policies and products to a specific group of people, trade, industry or particular employer. Restricted access insurers cannot issue insurance policies to anyone who does not belong to the group.

After being registered as a restricted access insurer you can apply to convert to a for profit insurer.

As a registered insurer you must always have a health benefits fund or funds.

Please consult the Contact Officer for more information.

Service type


A licence defines the need to obtain recognition / certification and registration to undertake a certain business activity.

Eligibility requirements

To be eligible for this registration you must:

  • Be an Australian corporation or constitutional corporation;
  • Provide a copy of your proposed rules;
  • Satisfy the Agency that your rules do not permit improper discrimination;
  • Specify whether you want to be registered as a for profit insurer or a restricted access insurer;
  • Satisfy the Agency that you are capable of complying with the obligations of private health insurers; and
  • Outline the number of persons who will contribute, or are likely to contribute, to any of the funds proposed to be conducted and the proposed premium.

Please consult the Contact Officer for more information regarding eligibility requirements.


Ongoing unless cancelled.



Please consult the Contact Officer for information on fees to be submitted.

Administering agency

Australian Prudential Regulation Authority

Act(s) name

Private Health Insurance (Prudential Supervision) Act 2015 (Australian Government)

Regulation(s) name

Private Health Insurance (Registration) Rules 2015 (Australian Government)

Contact details

Australian Prudential Regulation Authority


02 8037 9015

Toll Free:

1300 558 849

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