1. Name of Rules

These Rules are the Private Health Insurance (Registration) Rules 2009 (No 2).

2. Commencement

These Rules commence the day after they are registered on the Federal Register of Legislative Instruments.

3. Effect of Rules

These Rules revoke and replace the Private Health Insurance (Registration) Rules 2009.

4. Definitions

Note: Terms used in these Rules have the same meaning as in the Act―see section 13 of the Legislative Instruments Act 2003. These terms include:

Council
health benefits fund
private health insurer
Secretary of the Department

In these rules:

Act means the Private Health Insurance Act 2007.

Principal Insureds means the persons described in paragraphs 6 (a), 6 (b) and subparagraph 6 (h) (ii).

5. Deciding the application

(1) For paragraph 126-20 (2) (b) of the Act, in deciding an application by an applicant to be registered as a private health insurer, the Council is required to consider the following matters:

(a) in relation to the health benefits fund, or each of the health benefits funds, proposed to be conducted by the applicant:

(i) the ratio that the likely amount of management and administrative expenses in respect of the conduct of the fund or funds bears to the likely amount of premiums to each fund; and

(ii) the number of persons who will contribute, or are likely to contribute, to any of the funds proposed to be conducted by the applicant and the proposed premiums; and

(b) information on the application provided in writing by, or on behalf of, the Secretary of the Department, including information as to whether the applicant is likely to be able to comply with the obligations imposed by or under the Act on private health insurers.

6. Description of groups for existing restricted access insurers

For paragraph 126-20 (7) (e) of the Act:

(a) persons who were already insured with a *restricted access insurer immediately before 12 October 2007 are taken to belong to a *restricted access group (‘a Group’) to whom that insurer’s *complying health insurance products are, or will be, made available;

(b) persons who are, or become, officers or employees (including contractors) of a *restricted access insurer listed in the Schedule, and that makes available its *complying health insurance products to a Group, are also taken to belong to that Group, except where the person is or becomes an employee (including a contractor) of Reserve Bank Health Society Limited or where the person becomes an officer or employee (including a contractor) of Teachers Federation Health Fund Ltd;

(c) the partners and *dependent children of Principal Insureds are also taken to belong to the same Group as those Principal Insureds;

(d) the former partners and adult children of Principal Insureds are also taken to belong to the same Group as those Principal Insureds, except where the Principal Insured is insured by Reserve Bank Health Society Limited;

(e) the siblings, grandchildren and parents of Principal Insureds are also taken to belong to the same Group as those Principal Insureds, except where the Principal Insured is insured by the following *restricted access insurers:

(i) ACA Health Benefits Fund; or

(ii) Police Health Limited; or

(iii) Reserve Bank Health Society Limited;

(f) the partners and *dependent children of persons who are the adult children of Principal Insureds are also taken to belong to the same Group as those Principal Insureds, except where the Principal Insured is insured by Reserve Bank Health Society Limited;

(g) the partners and *dependent children of persons who are the siblings of Principal Insureds are also taken to belong to the same Group as those Principal Insureds, except where the Principal Insured is insured by the following *restricted access insurers:

(i) ACA Health Benefits Fund; or

(ii) Police Health Limited; or

(iii) Reserve Bank Health Society Limited;

(h) on and from the date of commencement, the Group to whom a *restricted access insurer specified in Column 1 of the Schedule does or will make its *complying health insurance products available comprises:

(i) the persons described in paragraphs 6(a), (b), (c), (d), (e), (f) and (g); and

(ii) the classes of people specified in Column 2 of the Schedule for that insurer.

Notes:

(i) the purpose of paragraph 6 (a) is to ensure that *restricted access insurers are able to continue to provide cover to all existing insured persons; and

(ii) the purpose of paragraph 6 (h) is to ensure that, on and from the commencement of these Rules, *restricted access insurers are able to continue to make *complying health insurance products available to limited classes of persons who might not otherwise form part of a *restricted access group for the purposes of subsection 126-20 (7) of the Act.

7. Limits on insurance provided by restricted access insurers

For the avoidance of doubt, this rule confirms that:

(a) a *restricted access insurer’s constitution may only specify one *restricted access group to whom the insurer’s complying health insurance products are, or will be, available;

(b) a *restricted access insurer may not add new persons to this *restricted access group in addition to the persons included in that group by the operation of the Act and these Rules; and

(c) paragraphs 6 (c), 6 (f) and 6 (g) of these Rules modify the operation of subsection 126-20 (7) of the Act in relation to the partners and dependent children of people who belong to a *restricted access group.

Schedule - restricted access groups for certain insurers

Column 1 - Restricted access insurer	Column 2 - Persons deemed to be included in the insurer’s restricted access group
1. ACA Health Benefits Fund	1.1. A person who is, or was, an employee of: (a) an incorporated entity that is affiliated with the Seventh-day Adventist Church in Australia; (b) Avondale College Foundation; (c) Karalundi Aboriginal Education Centre; (d) Mirriwinni Gardens Aboriginal Centre; or (e) Sydney Adventist Hospital Foundation. 1.2. A person who is, or was, a literature evangelist, while distributing for Home Education Service.
2. CBHS Health Fund Limited	2.1. A person who is, or was, an employee of the Commonwealth Bank Group. 2.2. For the purposes of item 2.1, ‘Commonwealth Bank Group’ means: (a) the Commonwealth Bank of Australia; (b) subsidiaries (within the meaning of the Corporations Act 2001 (Cth)) of the Commonwealth Bank of Australia; (c) Gateway Credit Union; and (d) those persons who are assigned to, or directly engaged in providing services to, the Commonwealth Bank Group and who are employed by EDS Australia or Trading Technology Australia.
3. Defence Health Limited	3.1. A person who is, or was (a) a member of an arm of the Defence Force as referred to in the Defence Act 1903 (Cth); or (b) an employee of the Department of Defence or an entity which has a reporting obligation to, or is within the portfolio responsibility of, the Minister for Defence or a Minister Assisting such Minister or a Parliamentary Secretary to either Minister (such Department and entities collectively called “the Bodies”); or (c) an employee of: (i) a contractor to any of the Bodies; or (ii) a prescribed agency (as referred to in the Financial Management and Accountability Act 1997 (Cth)) or a Commonwealth authority or Commonwealth company (as referred to in the Commonwealth Authorities and Companies Act 1997 (Cth)) or other entity, which agency, authority, company or entity supplies goods or services to any of the Bodies; and who is, or was, involved in supplying goods or services to any of the Bodies.
4. Health Care Insurance Ltd	4.1. A person who is, or was, employed in any of the following trades or industries: (a) timber or forestry production; or (b) the downstream processing of timber or forestry products, including the production of timber and paper products; or (c) providing services to any trade or industry referred to in paragraphs 4.1 (a) or (b). 4.2. A person who is, or was, employed by: (a) an employer engaged in a trade or industry referred to in paragraphs 4.1(a) or (b); or (b) a subsidiary of an employer engaged in a trade or industry referred to in paragraphs 4.1(a) or (b). 4.3 For the purposes of paragraph 4.2 (b), ‘subsidiary’ has the same meaning as in the Corporations Act 2001 (Cth). 4.4. For the purposes of paragraphs 4.1 and 4.2, ‘employed’ includes a person engaged in the relevant trade or industry on their own behalf or as a director of a company.
5. Navy Health Limited	5.1. A person who is, or was, employed full time: (a) in the RAN, ARA or RAAF; or (b) as a civilian employee/civilian contractor with the Department of Defence, Naval Shore Establishment, other Defence establishment, or Australian Public Service employees assigned to, or directly engaged in providing services to, the Department of Defence or the Australian Defence Forces. 5.2. A person who is, or was, an active member of the RANR, ARAR or RAAFR. 5.3 A person who is, or was, a member of the Cadets (RAN, ARA and RAAF). 5.4 For the purposes of items 5.1, 5.2 and 5.3: ‘ARA’ means Australian Regular Army; ‘ARAR’ means Reserve Forces of the Australian Regular Army; ‘RAAF’ means Royal Australian Air Force; ‘RAAFR’ means Reserve Forces of the RAAF; ‘RAN’ means Royal Australian Navy; ‘RANR’ means Reserve Forces of the RAN.
6 Phoenix Health Fund Limited	6.1. A person who is, or was, engaged as an employee, contractor or officer of Tubemakers of Australia Limited, or a subsidiary or an associated entity, or a successor to the business of any of those entities. 6.2. For the purposes of item 6.1, ‘subsidiary’ and ‘associated entity’ have the same meaning as in the Corporations Act 2001 (Cth).
7. Police Health Limited	7.1. A person who is, or was, an employee of South Australia Police (‘SAPOL’). 7.2. A person who is employed, or was employed on or after I January 2001 but is no longer so employed, by a State, Territory or Federal police department or service other than SAPOL. 7.3. A person who is employed, or was employed on or after I January 2001 but is no longer so employed, by a State, Territory or Federal police association.
8. Queensland Teachers’ Union Health Fund Limited	8.1. Any person who is, or was, a member of: (a) Queensland Teachers’ Union of Employees (QTU); (b) Queensland Independent Education Union of Employees (QIEU); (c) Queensland Public Sector Union (QPSU); (d) Australian Services Union Clerical and Administration (ASU); (e) Together Queensland Industrial Union of Employees (Together); (f) Australian Services Union (Services Branch); or (g) Community and Public Sector Union. 8.2. A person (other than a teacher) who is, or was at the time, a member of any union and who is, or was, employed by: (a) a school or any other educational institution, or (b) a university or any other tertiary or further education or training institution, that is, or was at the time, registered or otherwise licensed or approved under any Commonwealth or State legislation. 8.3. A person who is, or was, an employee of QTU or QIEU and who is, or was at the time, a member of any union. 8.4. Any person who would qualify under items 8.2 or 8.3, where no union coverage exists, or existed at the time, for that person.
9. Railway and Transport Health Fund Ltd	9.1. A person who is, or was, an employee of: (a) Government or privately operated land, sea or air transport companies or associated Government entities charged with administering the industry; (b) Government or privately operated electricity generation and delivery entities; or (c) a contract company, where those employees or former employees were employed to provide services under a contract to an organisation described in paragraphs 9.1 (a), 9.1 (b), or item 9.2 (or successors of those organisations). 9.2. A person who is, or was, a member of the Railways Credit Union Limited (or a successor to that organisation).
10. Reserve Bank Health Society Ltd	10.1 A person who is, or was, an employee of the Reserve Bank of Australia or Note Printing Australia Limited.
11. Teachers Federation Health Fund Ltd	11.1. A person who is, or was, a financial member of the following: (a) NSW Teachers Federation; (b) Australian Education Union or members of unions affiliated to that union; (c) Independent Education Union of Australia or a union affiliated to that union; (d) Institute of Senior Education Administrators NSW; (e) National Tertiary Education Union; or (f) State School Teachers Union (SSTUWA). 11.2. A person who is, or was, employed as school administration staff in NSW, and who is, or was at the time, covered by the Public Service Association of NSW (PSA). 11.3. A person who is, or was employed as support staff by the NSW Department of Education and Training, the Institute of Teachers, or the Board of Studies, and who is, or was at the time, a member of their appropriate union, where one exists or existed. 11.4. A person who is, or was, a permanent employee of the following: (a) NSW Teachers Federation; (b) NSW Teachers Credit Union; or (c) the Teachers Club Limited, who is, or was at the time, a member of their appropriate union, where one exists or existed. 11.5. A person who is, or was, a student undergoing training who is, or was at the time, an associate member of a union listed above in items 11.1 or 11.4. 11.6. A person who: (a) is, or was, employed as support staff in a NSW public school or college; and (b) is, or was at the time, employed by the NSW Department of Education and Training or in the TAFE Commission Division; and (c) is, or was at the time, a member of the appropriate union, where one exists or existed. 11.7. A person who is, or becomes, an officer or employee of, or a contractor to, Teachers Federation Health Fund Ltd and who is, at the time at which they seek to become insured by Teachers Federation Health Fund Ltd, a financial member of a union (if any) of which they are eligible to be a member.
12 Transport Health Pty Ltd	12.1 A person who is, or was, employed, or engaged as a contractor, in the transport industry. 12.2 A person who is, or was, an employee, contractor or officer of Transport Friendly Society Limited or a subsidiary. 12.3 For the purposes of item 12.2, ‘subsidiary’ has the same meaning as in the Corporations Act 2001 (Cth).
13. The Doctors’ Health Fund Limited	13.1 A person who is, or was, a medical practitioner as defined in section 3 (1) of the Health Insurance Act 1973 (Commonwealth) (‘Medical Practitioner’). 13.2. A person who is, or was at any time: (a) in one of the following categories of ‘health practitioner’, as listed in the Health Practitioner Regulation National Law Act 2009 (Qld) (whether or not registered or practising in Queensland or any other Australian State or Territory): (i) medical; (ii) medical radiation; (iii) optometry; (iv) dental; (v) occupational therapy; (vi) physiotherapy; and (vii) psychology, (‘Health Practitioner’) (b) an employee of the Medical Practitioner or a Health Practitioner or an officer or employee of an incorporated practice of a Medical Practitioner or a Health Practitioner; (c) a person studying to become a Health Practitioner as listed above in item 13.2(a) at an Australian university medical school or other educational institution; (d) an overseas trained doctor enrolled through the Australian Medical Council (the ‘AMC’) to sit for the examinations of that Council or of one of the specialist colleges affiliated with the AMC; (e) an officer or employee of the federal, or a state, Australian Medical Association; (f) an officer or employee of an associated or subsidiary organisation of the federal, or a state, Australian Medical Association; (g) an officer or employee of any federal or state association of registered medical practitioners or health practitioners; or (h) an officer or employee (including contractors) of Avant Insurance Limited (ABN 82 003 707 471) or Avant Law Pty Limited (ACN 136 429 153).

Note

1. All legislative instruments and compilations are registered on the Federal Register of Legislative Instruments kept under the Legislative Instruments Act 2003. See www.comlaw.gov.au

Notes

The Private Health Insurance (Registration) Rules 2009 (No.2) as shown in this compilation are amended as indicated in the Tables below.

Table of Instruments

Instrument	Date of FRLI registration	Date of commencement	Application, saving or transitional provision
Private Health Insurance (Registration) Rules 2009 (No.2)	21 July 2009 (see F2009L02701)	22 July 2009
Private Health Insurance (Registration) Amendment Rules 2011	09 November 2011 (see F2011L02291)	29 November 2011
Private Health Insurance (Registration) Amendment Rules 2012 Private Health Insurance (Registration) Amendment Rules 2013	29 May 2012 (see F2012L01103) 4 February 2013 (see F2013L00151)	30 May 2012 5 February 2013

_______________________________________________________________________________________________________

Table of Amendments

ad. = added or inserted am. = amended rep. = repealed rs. = repealed and substituted
Provision affected	How affected
Schedule, Item 8
Subitem 8.1	Am 2011 No. F2011L02291
Schedule, Item 13
Subitem 13.1	Am 2012 No. F2012L01103
Subitem 13.2 Subitem 13.2 (g)	Am 2012 No. F2012L01103 Am 2013 No. F2013L00151