Tax Saved Per Year via Salary Packaging
Every nurse at a public hospital or NFP can reduce their taxable income by $9,010. At the 32.5% tax bracket, that's ~$2,883 back in your pocket annually — for doing nothing except setting it up once.
VIC Graduate Sign-On Bonus
Victorian nursing graduates from 2022–2024 who joined a public health service receive $5,000 cash paid in two $2,500 instalments. Apply before September 2027.
Free Health Cover — Nurses & Midwives Health
The only not-for-profit health fund built exclusively for nurses. New members joining with Hospital & Extras by 30 June 2026 get 6 weeks free + waiting periods waived (code: SIX).
Salary Packaging — Living Expenses
Package up to $9,010/year of living costs (mortgage, rent, utilities, groceries) from pre-tax salary. A nurse on $90k saves ~$2,883/year. Available at public hospitals and eligible not-for-profits.
Salary Packaging — Meal Entertainment
On top of the $9,010 living cap, package an additional $2,650/year before tax on dining and venue hire. Combined total: up to $11,660 salary packaged annually.
Nurse Home Loans — Zero LMI Required
AHPRA-registered nurses & midwives earning $90k+ access home loans at 90% LVR with zero Lenders Mortgage Insurance — potentially saving $20,000–$40,000. Rate discounts up to 0.5% off standard variable. Shift pay recognised in full.
HESTA Super Fund
Australia's dedicated industry super fund for health and community workers. Won the SuperRatings Net Benefit Award 2025. Members pay insurance fees up to 15% less than gross via tax deductions passed back to members.
Settle Easy — 30% Off Property Conveyancing
ANMF (Vic Branch) members receive 30% off standard conveyancing fees when buying or selling property. Settle Easy is an online conveyancer operating nationwide.
Financial Education — uPaged uPerks
$200 off financial coaching + 20% off online finance courses (Inner Money Journey). Plus 25% off Ladies Finance Club courses on investing, budgeting, and wealth building.
Nurses & Midwives Health — 6 Weeks Free
The only not-for-profit private health fund built exclusively for nurses and midwives. Join with Hospital & Extras by 30 June 2026 → 6 weeks free after first payment + 2–6 month waiting periods waived on Extras. Use code SIX.
Fitness Passport — Discounted Gym Access
Discounted access to 350+ gyms, pools, and fitness centres across Australia for nurses and their families. Far cheaper than standard gym memberships — available through many public hospital employers.
NMH Healthy Lifestyle Benefit
Rebates towards: gym memberships, yoga, Pilates, F45, CrossFit, personal training, bootcamps, aquarobics, online programs (28 by Sam Wood), weight management (Weight Watchers, CSIRO, Michelle Bridges 12WBT), plus health screenings.
Billabong Retreat — 50% Off
50% off midweek Day Retreats and 50% off last-minute Overnight Retreats (from $150/night for 2 nights) at this peaceful Hawkesbury region wellness retreat. The perfect recovery escape for nurses.
Endota Spa — Skincare & Beauty Discount
10% off Endota gift cards and 20% off all products ordered online. Endota operates 100+ day spas across Australia — Australia's largest day spa brand.
SistaSaidSo+ — Compression Socks & Stockings
20% off premium compression socks and stockings — essential for nurses on 12-hour shifts. Reduces foot fatigue and improves circulation.
Island Dental — 10% Off Out-of-Pocket Costs
ANMF (Tasmanian Branch) members receive 10% off out-of-pocket dental treatment expenses at Island Dental clinics — on top of what your health insurance covers.
Blue Light Card — 300+ Brand Discounts
One-off $9.95 for a 2-year membership. Discounts at Woolworths, EG Ampol, Big W, Dan Murphy's, BWS and 300+ more brands across fashion, electronics, food, travel, fitness, home, and pets. Woolworths savings alone can reach $80/month.
eNurse — 10% Off Everything
10% off storewide at Australia's number-one nurse supply retailer. Scrubs, stethoscopes, nursing equipment, accessories. Excludes 3M Littmann Stethoscopes, sale items, and kits.
Scrubs IQ — 15% Off Entire Range
15% off the entire scrubs range at Scrubs IQ. Quality nurse uniforms and clinical apparel — exclusive to uPaged-registered nurses.
FIGS — Nurses Week 20% Off
Premium scrubs brand runs 20% off everything each year during Nurses Week (mid-May). Free shipping on AU$120+ orders and free returns always.
JB Hi-Fi Business & The Good Guys Commercial
ANMF and NSWNMA members access JB Hi-Fi Business and Good Guys Commercial pricing on TVs, laptops, appliances — typically 5–20% below retail prices.
Gift Cards — Coles, Woolworths & 80+ Brands
Discounted gift cards for Coles, Woolworths, Event Cinemas, Big W and 80+ other brands. Also discounts on fuel, dining, and movie tickets through Member Advantage.
POM Period Products — 20% Off
20% off period underwear, period swimwear, and period cups from POM — Australian-made, sustainable period care products.
HelloFresh — Up to 40% Off
New customers: 40% off first box + 30% off second box. Ongoing: 10% off every box. Australia's most popular meal kit — fresh ingredients, chef-designed recipes, no meal prep stress after a long shift.
EveryPlate — Budget-Friendly Meal Kits
Same deal as HelloFresh but even more affordable. 40% off first box + 30% off second, then 10% off every box. Part of the HelloFresh family.
Youfoodz — Ready-Made Healthy Meals
Save up to 40% across 13 boxes of Youfoodz healthy, ready-to-heat meals. Zero prep, zero washing up — ideal for busy nurses with no time to cook.
Different Drop — Premium Wine
$25 off + free shipping on any wine order over $200 from Different Drop — Australia's premium online wine marketplace. Well earnt after a long shift.
TFE Hotels — 15% Off (Adina, Vibe, Travelodge)
ANMF members receive 15% off the Fully Flexible Rate at TFE Hotels — including Adina Apartments, Vibe Hotels, Travelodge Hotels, and Rendezvous Hotels across Australia and New Zealand.
ANMF Hotel Discount — 10% Off + Free Breakfast
ANMF members get 10% off best available hotel rates plus a complimentary continental buffet breakfast when booking directly through the ANMF hotel partner program.
Bellarine Peninsula Holiday Accommodation
ANMF (Vic Branch) members book significantly discounted holiday accommodation on the Bellarine Peninsula — Victoria's popular coastal region near Geelong.
Blue Light Card — Travel & Holiday Deals
Beyond groceries, Blue Light Card ($9.95 / 2 years) includes travel discounts: hotels, holidays, car hire, leisure activities, and entertainment from 300+ brands — exclusive to verified healthcare workers.
ANMF Education Portal — 300 Free CPD Modules
Full and part-time ANMF (Vic Branch) members get free unlimited access to ~300 online CPD modules — clinical skills, medication management, professional practice, and more. Meets AHPRA's mandatory 20-hour annual requirement.
NSWNMA iLearn — 200+ Free CPD Modules
NSWNMA members access 200+ free online CPD modules through the iLearn portal — clinical practice, leadership, mental health, pharmacology, and more.
Australian College of Nursing (ACN) CPD
ACN members get free access to 100+ CPD modules + exclusive discounts on premium CPD, conferences, and postgraduate study. Access to ACN's large online CPD library.
Postgrad CSP Nursing Courses — Up to 85% Off
Commonwealth Supported Places (CSPs) mean the federal government subsidises postgraduate nursing qualifications. University of Wollongong's Master of Nursing offers up to 85% off — saving $55,000+.
ANMF & NSWNMA Scholarships & Grants
ANMF members apply for education and research grants. NSWNMA's Edith Cavell Trust distributes approximately $100,000 in annual scholarships to members for professional development.
Health Workforce Scholarship Program (HWSP)
Federal government scholarships and bursaries for nurses committed to rural and remote service. Funds ongoing study and professional development to increase skills and scope of practice.
NSW Rural Health Workforce Incentive
Nurses, midwives & allied health in eligible rural/remote NSW positions receive up to $20,000 in incentive packages plus accommodation assistance and relocation support. Closes 30 June 2026.
VIC Graduate Nursing & Midwifery Sign-On Bonus
Nursing & midwifery graduates from 2022, 2023, or 2024 who started in a Victorian public health service receive $5,000 total ($2,500 now + $2,500 after 2 years). Deadline: apply by September 2027.
WA Country Nursing & Midwifery Incentive Program
New and existing nurses & midwives at endorsed WA country locations receive between $5,000 and $17,000 through the Country Nursing and Midwifery Incentive Program.
SA Nurses — 13% Pay Rise + $4,500 Bonuses
SA nurses & midwives secured a new enterprise agreement: 13% pay rise over four years plus $4,500 in bonus payments and additional incentives following patient ratio law changes.
QLD Remote Area Nursing Incentive Package
The Remote Area Nursing Incentive Package (RANIP) attracts and retains nurses in designated remote Queensland positions. Developed with the Queensland Nurses' Union.
VIC Healthcare Worker Retention Bonus
Victorian Government paid $3,000 retention bonus payments to public hospital nurses, midwives, doctors and paramedics as part of a $353M package to address healthcare worker shortages.
Federal WIP Practice Stream — Rural GP Nurses
WIP Practice Stream pays GP practices to employ nurses in rural areas. Over 18,790 nurses and midwives engaged. This employer incentive funds higher nurse salaries in rural general practice.
ANMF — $10M Professional Indemnity Insurance
All financial ANMF members receive $10 million PI insurance for negligent acts + legal expense coverage. Access to legal services (Gordon Legal), Journey Accident Insurance, and full union representation in workplace disputes.
ANMF — Half-Price Graduate Membership
Join ANMF in your graduate year and pay half-price membership for two years. Get full PI insurance, CPD access, legal protection, and union representation at half the cost.
uPaged uPerks — Free Nurse Discount Hub
Completely free to join in under 2 minutes. Unlocks HelloFresh, Youfoodz, Scrubs IQ, Heidi AI documentation, SistaSaidSo+ compression socks, financial coaching discounts, and more. Open to RNs, ENs, midwives, NPs, and student nurses.
NSWNMA — Member Advantage (iSave)
NSWNMA members access the Member Advantage / iSave program: Coles, Event Cinemas, JB Hi-Fi, Big W, gym memberships, fuel, dining, movie tickets, and thousands more offers.
ANMF Library — CINAHL & ProQuest Access
ANMF Vic members access CINAHL and ProQuest — world-leading nursing research databases that individually cost $200–$500/year. Essential for evidence-based practice and postgraduate study.
NMH + CGU Car Insurance
Nurses & Midwives Health has partnered with CGU Insurance to offer members competitive car insurance rates — part of a full insurance suite for healthcare workers and their families.
Heidi AI — Free Clinical Documentation
Free unlimited access to Heidi — AI clinical documentation that auto-generates patient notes, handovers, and referrals from voice or text. Saves nurses significant time per shift. Normally a paid subscription product.
Jaimee — 24/7 AI Wellbeing Companion
Free 24/7 AI companion designed to support nurses' mental wellbeing between shifts. On-demand emotional support and check-ins. Particularly valuable for nurses managing shift work and occupational stress.
State & Territory Incentives at a Glance
| State | Program | Amount | Who's Eligible | Apply |
|---|---|---|---|---|
| VIC | Graduate Sign-On Bonus | $5,000 | Grads 2022–2024, public sector, 2-year commitment | Apply → |
| VIC | Healthcare Worker Retention Bonus | $3,000 | Public hospital nurses, midwives, doctors, paramedics | Learn more → |
| NSW | Rural Health Workforce Incentive Scheme | Up to $20,000 | Rural/remote eligible positions — closes 30 Jun 2026 | Apply → |
| WA | Country Nursing & Midwifery Incentive Program | $5,000–$17,000 | Nurses/midwives at endorsed WA country locations | Learn more → |
| SA | Enterprise Agreement Bonuses | $4,500 + 13% pay | SA Health nurses and midwives under new EA | Learn more → |
| QLD | Remote Area Nursing Incentive Package (RANIP) | Varies by location | Nurses in designated remote QLD positions | Apply → |
| FED | Workforce Incentive Program (WIP) | Employer-based | Nurses in rural/remote GP practices | Learn more → |
| FED | Health Workforce Scholarship Program | Scholarship / Bursary | Rural/remote nurses — Aus/NZ citizens and PRs | Apply → |
How to Maximise Your Benefits
Start With Salary Packaging
If you work in a public hospital or NFP: salary package the full $9,010 living expenses + $2,650 meal entertainment. One-time setup, thousands back every year.
Join Your State Nursing Union
ANMF or NSWNMA membership pays for itself many times over — CPD access, JB Hi-Fi pricing, gift cards, legal protection, and hotel discounts. Half-price in your graduate year.
Sign Up to uPaged (Free, 2 min)
Takes 2 minutes. No commitment. Unlocks HelloFresh, Youfoodz, Scrubs IQ, Heidi AI clinical notes, compression socks, financial coaching, and more.
Get Blue Light Card ($9.95)
For under $10 you get 2 years of 300+ brand discounts. The Woolworths grocery savings alone can reach $80/month — paid back in the first shop.
Switch to NMH Health Insurance
Nurses & Midwives Health is not-for-profit and built specifically for nurses. Get 6 weeks free + waiting periods waived with code SIX before 30 June 2026.
Check Your State Cash Bonuses
If you're a VIC graduate, WA country nurse, NSW rural nurse, or SA public sector nurse — you may have unclaimed cash bonuses sitting on the table right now.