Salary Packaging

Private health insurance premiums

Put your health first and package your private health insurance.
Just send us your health fund policy and payment receipt and we’ll reimburse you with your pre-tax dollars.

Meal Entertainment

You can use pre-tax dollars when you dine out with the family or catch up with friends for lunch. And with the VISA Meal Entertainment Payment Card, it couldn't be easier. This card can be used whenever you eat out at restaurants, bistros or cafes.

It’s a great way to make the most of salary packaging because it’s over and above your $9,095 limit.

Simply tell us how much of your gross salary you would like to allocate to your card. There are no extra bank fees for this card and no application fee for your first card order

HELP (formerly HECS) payments

You could pay off your Higher Education Loan Program (HELP) debt sooner by salary packaging these payments.

We can either reimburse you for voluntary payments when you supply an original invoice or receipt, or pay the Australian Tax Office directly if you provide a copy of your HELP assessment debt notice.

Work-related self education

When you work in health, continuous learning is important. Why not pay for your self-education expenses with pre-tax dollars?

Just provide us with a claim form and a copy of the invoice and receipt and we will reimburse you.

You can package this benefit over your $9,095 limit.

School tuition fees

You can also salary package school tuition fees.
We can make a direct payment on your behalf or reimburse you once you've sent us a claim form and receipt.

Additional Superannuation

You can save more for your retirement by salary packaging additional super contributions, and topping up the Superannuation Guarantee payments your employer makes on your behalf.

Tell us how much you would like to contribute and we will pay your super fund directly, until you tell us otherwise.

You can package this benefit over your $9,095 limit.

A 15% contribution tax applies to additional super payments; this is deducted by your Fund and paid to the ATO.

Salary Packaging Payment Card

Your VISA Salary Packaging Payment card is a convenient way to pay for everyday living expenses, such as groceries, travel and clothing with your pre-tax income. It’s as simple as using a credit card, just swipe, sign and go. The cost of your purchases is deducted from money set aside for your card.

Because you are using funds from your salary packaging account, your payments are interest free and there's no application fee for your first card order.

You can package up to $9,095 on your card.

Living expenses

As a health employee, you are able to pay for most of your everyday living expenses with pre-tax dollars by salary packaging. Whether you are shopping for a new flat screen television, fridge or a holiday, you could enjoy some great tax savings! You can package your mobile phone, landline and utilities as well.

When you need to claim reimbursement for these expenses, simply fill in a claim form, add your receipt and email or post it to us.

Rental repayments

You can also salary package your rent. Just let us know how much your rent is and when it's due and we can either pay your landlord or real estate agent directly, or reimburse you from your pre-tax dollars.

Professional memberships and subscriptions

You can also salary package the cost of your work-related newspapers, journals or magazines, over your $9,095 limit. The same applies for any professional memberships.

Just provide us with a claim form and a copy of the invoice and receipt and we will reimburse you.

Mortgage repayments

Everyone wants to get rid of their home mortgage faster and save on interest. And we can help you, by salary packaging your mortgage repayments. In most cases, we can either pay your funds directly to your mortgage provider or reimburse you from your pre-tax dollars each time you make a payment. Check your employer’s salary packaging policy to find out the maximum amount you can package towards your mortgage repayments.

Laptops

Laptops and other portable electronic devices such as mobile phones, PDAs and electronic diaries are exempt from Fringe Benefits Tax (FBT) if they are used primarily for work.

This means you may salary package one of these items each FBT year (1 April – 31 March) and pay for it with your pre-tax salary.

You can either buy your laptop outright or on credit and claim reimbursement, or rent it and then salary package the payments.

Personal loan repayments

Paying off a personal loan can be a bit of a challenge sometimes. But we can help you arrange to pay both principal and interest of the loan with your pre-tax dollars.

Just submit a copy of the personal loan contract, your bank statement and repayment amount.

As this benefit is for a ‘personal’ loan, it has to be in your name, not your partner’s or family member’s.

Venue Hire

Venue hire benefit allows you to salary package the cost of hiring venues or facilities for entertainment or recreation purpose.

You can package this benefit over your $9,095 limit.

Generally speaking, holiday accommodation including hotels, motels and service apartments, reception hire, marquees or a function room can be salary packaged. It’s worth checking your employer’s policy for specific guidelines.