The Problem We Saw
Every single day, our founder watched patients choose not to get the dental work they needed. Not because they didn't have insurance. They had extras. But they'd already used their annual limit, or the gap was too high, or they didn't want to waste money on extras they might not use.
He saw the same pattern across health services: billions of dollars in unused extras every year. Australians paying for coverage they don't use, losing money they've already paid, and still struggling to afford the care they need.
There had to be a better way.
The Solution We Built
Your Health Wallet is a managed investment scheme that works like a health savings account. Instead of "use it or lose it," your money rolls over. Instead of losing interest to insurers, you earn it.
You choose how much to contribute. You use it for any health service. Unused funds stay in your account, earning interest. You can use it for family members and pets. No gap fees. No annual resets. No wasted money.
It's simple, fair, and puts you in control of your health spending.
Our Journey
Our Values
🎯 Transparency
No hidden fees, no complex terms. You always know exactly what you're paying and where your money goes.
⚖️ Fairness
Your money is yours. It rolls over, earns interest, and serves your needs — not the insurer's bottom line.
💪 Empowerment
You're in control. Choose your contribution, use it how you need, and build your health savings over time.
🔒 Security
Regulated by ASIC, held by NAB-approved custodian, protected by AFCA. Your money is safe.
Why We're Regulated
ASIC Licensed (AFSL 500574)
What it means: We're licensed by the Australian Securities and Investments Commission to operate as a managed investment scheme. This means we meet strict regulatory standards for financial services, including capital requirements, compliance systems, and consumer protection obligations.
For you: Your investment is managed by a regulated financial services provider with ongoing oversight and accountability.
ARSN 627076411
What it means: This is our Australian Registered Scheme Number, issued by ASIC. It identifies Your Health Wallet as a registered managed investment scheme, subject to the Corporations Act.
For you: You have legal protections under Australian financial services law, including access to dispute resolution.
AFCA Member
What it means: We're a member of the Australian Financial Complaints Authority. If you have a complaint, AFCA provides free, independent dispute resolution.
For you: You have access to an external complaints handler if you're not satisfied with our response.
NAB-Approved Custodian
What it means: Your funds are held by a custodian approved by National Australia Bank, not by us. This separation ensures your money is protected from our operational risks.
For you: Even if something happened to Your Health Wallet, your funds would be safe with the custodian.
General Information Only: This page provides general information about Your Health Wallet and is not financial advice. Please refer to the Product Disclosure Statement (PDS) before making any decisions. Past performance is not indicative of future results.