Reserve Bank Health Society Ltd


On 16 June 2021, the Reserve Bank Health Society Limited (RBHS) applied for revocation of authorisation A91264 and substitution for a new authorisation for similar conduct for a further 10 year period. On 25 August 2011 the ACCC granted authorisation to the RBHS for Peoplecare Health Limited (Peoplecare) to provide a range of administrative, operation and management under its Management Services Agreement. Authorisation A91264 is due to expire on 15 September 2021.

RBHS is a small not-for-profit restricted access provider of private health insurance, managed by a member-elected Board. It was established in 1959 with the support of the Reserve Bank of Australia (RBA) in line with the Australian Government's policy. RBHS seeks authorisation to make and give effect to specific ‘special services’ provisions: Marketing and management services; Product development and implementation; Hospital and Provider contract management; Governance risk and compliance services; and Provision of a Chief Executive Officer.

RBHS and Peoplecare have sought authorisation because they are competitors in the provision of health insurance, and therefore an agreement of this type between them may breach competition laws.

On 16 August 2021, the ACCC issued a draft determination proposing to grant re-authorisation for a further 10 years. The ACCC also granted interim authorisation for the Conduct to continue while the ACCC assesses the application for re-authorisation.

The ACCC now invites submissions in response to its draft determination. Details on how to make a submission are set out below.

The ACCC will progress its assessment of the application in a timely manner. An indicative timetable for the ACCC’s assessment is set out below.

Indicative date

Stage in assessment process

16 June 2021

Lodgement of application and supporting submission.

25 June 2021

Public consultation process begins.

16 July 2021

Closing date for submissions from interested parties.

30 July 2021

Applicant responds to issues raised in the public consultation process.

16 August 2021

Draft determination.

30 August 2021

Closing date for submissions from interested parties.

September 2021

Applicant responds to interested party submissions.

September 2021

Final determination.


  • Reserve Bank Health Society Ltd

Authorisation number(s)

  • AA1000559-1


Document title Date


Submissions - before draft decision

Document title Date

Submissions - after draft decision

Document title Date