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I’m claiming an extra $700 from my health fund – and you can too

Nicole Pedersen-McKinnon Money contributor November 22, 2025 — 5.00am

The countdown consuming most people right now is the one to Christmas. It’s 4½ weeks and going to – almost unavoidably – cost you.

But the countdown that savvy health fund members are engaged in is the one to New Year’s Day, the date most policies zero out your unused allowances – and with some careful planning, it can instead save you a bucketload.

And this year it couldn’t be more apt, with forecasts that the next April 1 premium rise may be the biggest in years, at circa 4 per cent – thanks to health inflation.

Here are the five ways I intend to claim more than $700 back on my extras before the end

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