Registration as a Private Health Insurer - Australian Government


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

You be registered as either:

  • a profit insurer
  • 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.

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
  • 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.


As specified


Fees Details for this service in table format.

Task Type Business Structure Description
Apply Application All There is no application fee.

Other resources

Task Business Structure Resources
Comply All Instruction Guide - PDF (Opens in new window)

Act(s) name

Private Health Insurance (Prudential Supervision) Act 2015 Australian Government

Regulation(s) name

Private Health Insurance (Registration) Rules 2017 (No 2) Australian Government

Administering agency

Australian Prudential Regulation Authority

Contact details

Contact Email, Phone and Address Details for this service in simple two column table format, header then data.