Unlock valuable savings with a Seniors Health Card
Check your Eligibility & Apply Online
Getting older has its perks – and one of the most valuable is the Commonwealth Seniors Health Card (CSHC). Even if you’re self-funded or not receiving the Age Pension, you may still be eligible. This card unlocks a wide range of savings on everyday health costs, and Retirement Essentials can help you get it – without the stress of doing it alone.
With a Commonwealth Seniors Health Card, you could enjoy:
- Discounted prescription medicines under the Pharmaceutical Benefits Scheme (PBS)
- Bulk-billed GP visits (at the doctor’s discretion)
- Bigger refunds on out-of-hospital medical costs through the Medicare Safety Net
- Lower costs on other healthcare services, such as ambulance, dental, optical, hearing, and eye checkups
- State-based discounts on electricity, gas, water, property rates, and transport
- Savings on recreational activities, including parks, cinemas, and fitness centres
It is conservatively estimated that the Commonwealth Seniors Health Card could save you $2,000–$3,000 per year-a significant boost to your budget.
The peace of mind it brings is another major benefit. And if you later become eligible for the Age Pension, you’ll continue receiving these savings plus additional benefits-a well-deserved reward after years of hard work and paying taxes.
Use our Commonwealth Seniors Health Card Calculator
We make applying for the Commonwealth Seniors Health Card easier:
- Clear, step-by-step online application process
- We deal with Centrelink on your behalf
- Fast eligibility check to save you time
- Expert guidance to avoid common mistakes
- Transparent, one-off application fee
- Trusted by 100,000+ older Australians
- We simplify the process – so you get the benefits you’re entitled to.
You’re in good hands

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FAQs
How do I know if I'm eligible?
You can use our free online eligibility checker to check based on your income and assets.
Do I need to be on the Age Pension?
No. You may still qualify even if you're self-funded or not receiving the Age Pension.
Is the health card different from a Medicare card?
Yes - the CSHC provides extra benefits beyond what Medicare covers.
What is the Commonwealth Seniors Health Card application process?
We guide you through each step and handle communication with Centrelink.