Health insurance is insurance that covers the whole or a part of the risk of a person incurring medical expenses, spreading the risk over a large number of persons. By estimating the overall risk of health care and health system expenses over the risk pool, an insurer can develop a routine finance structure, such as a monthly premium or payroll tax, to provide the money to pay for the health care benefits specified in the insurance agreement. The benefit is administered by a central organization such as a government agency, private business, or not-for-profit entity.
Living a healthy life means making lifestyle choices that support your physical, mental, spiritual, and emotional well-being. Managing your health can be challenging at times; while one facet of your wellness demands more attention than others, you may end up struggling to maintain a good balance in other areas. To be of sound body, mind, and spirit, it’s important to pay attention to all aspects of health—your mental, emotional, and spiritual sides all play a role in your physical welfare, and vice versa. A state of optimal well-being means more than just the absence of disease or disorder; it also means having the resources to cope with problems and circumstances beyond your control and recover from difficult or troubling situations. This intersection between health and behavior can help you prevent illness, and steer you to make better decisions about your well-being.
The focus of public health interventions is to prevent and manage diseases, injuries and other health conditions through surveillance of cases and the promotion of healthy behavior, communities, and (in aspects relevant to human health) environments. Its aim is to prevent health problems from happening or re-occurring by implementing educational programs, developing policies, administering services and conducting research. In many cases, treating a disease or controlling a pathogen can be vital to preventing it in others, such as during an outbreak. Vaccination programs and distribution of condoms to prevent the spread of communicable diseases are examples of common preventive public health measures, as are educational campaigns to promote vaccination and the use of condoms (including overcoming resistance to such).
Most aspects of private health insurance in Australia are regulated by the Private Health Insurance Act 2007. Complaints and reporting of the private health industry is carried out by an independent government agency, the Private Health Insurance Ombudsman. The ombudsman publishes an annual report that outlines the number and nature of complaints per health fund compared to their market share 
*Each person’s membership is subject to a $39 annual fee. Annual fees apply to membership as set forth above, except as required by law. Different pricing applies to Arkansas, Kentucky, Louisiana, New York (Metro & Premier Plus), Ohio, South Carolina, Tennessee, Delaware, Signature Clubs and clubs in Canada. Single club pricing not available at all locations. Offer may end at any time.