Thrive In2Health

Thrive for health insurers

For funds who want their members to stay healthy stay loyal stay covered

Thrive is a flexible, evidence-based preventive-health platform that gives every member a free, personalised health dashboard — and gives your fund the engagement, retention and claims-cost advantage that comes with a genuinely healthier membership.

42 years

Medical Age

78 /100

Vitality Score

81 /100

Health Score

The Opportunity

You pay for illness after it happens.
Thrive helps prevent it.

For most members, the only time they engage with their fund is when something has already gone wrong — a procedure, a claim, a hospital stay. By then the cost is locked in. Chronic and largely preventable conditions sit behind a huge share of that spend, and they build silently for years before a claim is ever lodged.

Thrive flips the model. Our member-facing platform surfaces health risks early — while they can still be reduced — and gives your fund de-identified, actionable intelligence to invest in prevention where it will have the greatest impact.

~A$3.5B

cost of potentially preventable hospitalisations from chronic conditions in Australia (2024)

AIHW

~1 in 3

health-expenditure dollars in Australia are driven by chronic conditions (≈$98B of $180.4B, 2023–24)

AIHW

12.6M

Australians hold private hospital cover — the members your sector underwrites (Sept 2025)

APRA

From Payer to Prevention Partner

Members increasingly judge their fund on value, not just price

Price-driven switching is one of the biggest threats to a health fund. The funds that hold and grow membership are those that help people get well and stay well between claims — not just reimburse them afterwards. Thrive lets you make that shift without building a clinical program from scratch: a turnkey, clinically-governed prevention platform you can put in front of your whole membership in weeks, co-branded as your own.
Better health. Stickier membership. Smarter spend.

Prevent before the claim

Surface health risks early — before they become hospital stays — and invest prevention spend where it has the greatest impact.

Build membership loyalty

Give members a tangible reason to stay. A personalised health platform is a meaningful benefit, not just another perk.

Launch in weeks, not years

Co-branded, turnkey and clinically governed. No in-house clinical build required. Ready for your whole membership.

What Thrive Delivers

One platform.
Two kinds of value.

Thrive is a clinically-governed preventive-health platform built by Australian health professionals. Members complete a free 20-minute Thrive Health Check and unlock a personalised health dashboard with their Medical Age, Vitality, Stress and Health scores and 30+ indicators across key domains — covering risk for common chronic conditions.

Your fund receives de-identified, aggregated population-health intelligence and a powerful new member benefit.

Free 20-minute Health Check

12-month personalised dashboard
Vitality Score Stress Score Health Score 30+ indicators

Heart

Mind

Metabolic

Cancer prevention

The Value Split

The same platform works for your members and for your fund

Thrive capability What it means for your members What it means for your fund
Free 20-minute Thrive Health Check + 12-month personalised dashboard (Medical Age, Vitality, Stress & Health scores plus 30+ indicators)
A clear, motivating picture of their health and what to do about it — at no cost.
A high-value, free benefit every member can use immediately — a reason to join and a reason to stay.
GP-reviewed Health Profile & Plan with a step-by-step roadmap into the ‘green zone’
Trusted, doctor-reviewed actions tailored to their own risks.
Members actively reducing the risks that drive future claims.
Targeted referrals for screening, blood tests and investigations
Earlier detection — finding risks early, not late.
Earlier intervention that helps avoid costly, preventable hospitalisations.
AI Health Navigator + access to lifestyle-medicine GPs
Everyday, plain-language guidance and expert support.
Sustained engagement and adherence without a large in-house care team.
Wearable integration and progress tracking
Live feedback as habits and scores improve.
Behaviour change you can measure over time across cohorts.
De-identified, aggregated population-health dashboard
Complete confidentiality — individual data is never shared.
A ‘balcony view’ of membership health to target programs, segment risk and prove ROI.
Clinical governance and Australian-hosted data security
Confidence their health information is protected and clinically sound.
A compliant, credible program that protects your brand and meets your duty of care.

For your members, a personalised health benefit that helps them live longer, healthier lives. For your fund, healthier members, stickier membership and smarter spend.

Incentives That Drive Behaviour Change

Incentives are a lever only insurers can pull

Most chronic disease traces back to a handful of modifiable risk factors — physical inactivity, poor nutrition, smoking, harmful alcohol use and unmanaged stress. The hard part is rarely knowing what to change; it’s sustaining the change. Meta-analyses find financial incentives outperform usual care for smoking cessation, screening, vaccination and physical activity.

Insurers are uniquely placed to offer those incentives — premium credits, rewards, partner offers and ‘shared-value’ programs. Thrive supplies the missing measurement layer that makes them credible: objective health scores, risk indicators and wearable-tracked progress.

34%

sustained increase in physical activity

A RAND Europe study of more than 400,000 Vitality members across the UK, US and South Africa found that incentives combined with an Apple Watch drove a sustained 34% increase in physical activity. AIA’s own Australian data shows a similar 34% lift in active days among members who took up the Apple Watch benefit.

How Thrive plugs into an incentive program

Provides the objective health and behaviour data that credible incentives require

Lets you reward progress, not just participation — movement from red/orange toward the green zone

Personalises goals to each member's actual risk profile

Measures impact across the membership so you can prove the incentive is working

Regulatory Fit

Built for how health funds are allowed to invest in prevention

Since 2007, Australian private health insurers have been able to fund chronic-disease management and prevention programs under Broader Health Cover and Hospital Substitute Treatment provisions — designed to prevent or substitute hospitalisation and help members better manage chronic disease.

Thrive is purpose-built to operate within this framework: a structured, clinically-reviewed program spanning common chronic conditions, delivered to members at no cost to them, with the engagement and reporting funds need to demonstrate impact.

Broader Health Cover eligible

Chronic Disease Management Programs (PHI since 2007)

Clinically-reviewed program spanning common chronic conditions

Delivered at no cost to members

Engagement and impact reporting included

Confirm final program structuring and any Broader Health Cover / risk-equalisation treatment with your appointed actuary and compliance team before publishing.

Population-Health Intelligence

See the health of your membership — without ever seeing an individual

Thrive gives leaders an aggregated, de-identified dashboard of membership health across key risk domains. Start with a baseline scan and track quarterly. Segment by cohort, see where risk concentrates, direct prevention spend precisely, and measure the impact of every initiative over time — turning prevention from a cost line into a provable return.

12,480

Members assessed

+8.2% QoQ

68/100

Avg Health Score

+3pts QoQ

18.4%

High-risk cohort

−2.1% QoQ

74%

Engagement rate

+12% QoQ

Risk domain distribution

Cardiovascular
0 %
Metabolic
0 %
Mental health
0 %
Cancer prevention
0 %

Privacy, Trust & Clinical Governance

Built on a foundation you can trust

Security

Personal data security is our absolute priority. Thrive data is hosted in Australia and managed in line with the Privacy Act 1988 (Cth), the Australian Privacy Principles and the Health Records Act 2001 (Vic). Your fund only ever sees aggregated, de-identified trends — never anything that can identify an individual member.

Trust

Health is complex; we have you covered. Thrive uses only credible, current scientific evidence and gold-standard methodology. Every requested action plan is reviewed by a doctor so that anything concerning is followed up and members at high risk are prioritised.

Continuous engagement

Engagement is the metric funds struggle with most. Thrive is designed for it — progressive scores, highly personalised insights, simple actions, reminders, easy access to referrals and credible resources — giving members a reason to engage with their health, and your brand, again and again.

How It Works

Live in weeks, scalable from pilot to whole-of-fund

01

Scope & co-brand

We configure Thrive to your fund and branding.

02

Invite members

Members receive a secure link to their free Health Check.

03

Members engage

They unlock their dashboard, plan and ongoing guidance.

04

You get the insight

Your fund receives an aggregated dashboard plus quarterly population-health insights.

Why Partner with Thrive

Everything you need to make prevention part of your fund

Thrive is the only turnkey preventive-health platform purpose-built for the Australian private health insurance sector — clinically governed, privacy-compliant and ready to co-brand.

Evidence-based methodology, built by health professionals

Clinically governed — every action plan doctor-reviewed

Person-centred and holistic: physical, mental and lifestyle risk together

Turnkey and co-brandable — no in-house clinical build required

Australian-built, Australian-hosted, privacy-compliant

Partner pricing with discounted, tiered rates based on member volume

Get in touch

Give your members their health dashboard. Give your fund the advantage.

Let’s talk about how Thrive can help your members live healthier lives — and help your fund grow, retain and spend smarter.

Name
Access to the Thrive health check and dashboard will be sent to this address.
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