Live well.
Score higher.
Pay less.
Think of it as a credit score for your health. Your Positive Health Outcome Score turns verified healthy behaviour into real premium reductions — up to 20% off private health insurance and 22% off life.
Free to download · No insurance purchase required
How it works
From everyday behaviour to verified savings — here's the full journey in four simple steps.
Track your behaviour
Link your wearable — Apple Health, Google Fit, Garmin, Fitbit, Polar and Whoop. Longevo passively captures steps, active minutes, heart rate, sleep and workouts, so there's nothing to log by hand. No wearable? Smartphone GPS, pedometry and self-report keep you earning.
Build your PHOS
Your Positive Health Outcome Score rolls up nine evidence-based behaviours into a single 0–10,000 point score, clinically weighted by impact. It only ever moves upward — and consistency over time earns proportionally more than sporadic effort.
Verify through Medicare & My Health Record
Passively verify blood pathology, screening and clinical markers through My Health Record and Medicare. Verified behaviour earns higher weighting — turning your habits into a clinically credible score insurers can trust.
Pay less on your premiums
Partner insurers translate your PHOS tier into measurable premium reductions on private health and life cover — up to 20% off health and 22% off life — applied automatically, with no paperwork to chase.
What your PHOS measures
Nine evidence-based behaviours roll up into a single 0–10,000 point score, weighted by clinical impact and verification strength. The categories we track:
Tiers & savings
Five tiers across a 0–10,000 point scale. The higher your verified PHOS, the larger the premium discount you unlock — on both health and life insurance.
Your starting tier. Connect your data and begin building consistent daily habits.
Consistent movement and sleep start to pay off with your first discount band.
A balanced, active routine across most behaviours lands meaningful savings.
Strong, sustained performance across nearly every health behaviour.
Elite, verified health — the maximum premium discount Longevo unlocks.
Discounts apply automatically as your score moves between tiers — re-checked continuously.
The platform that pays your members to stay well.
We're building the bridge between verified healthy behaviour and smarter insurance pricing. If you're a life or health insurer interested in data-driven premium incentives, we'd love to talk.
Healthy behaviour is clinically powerful.
Longevo rewards the everyday habits that large-scale research consistently links to lower chronic disease risk, fewer hospitalisations and reduced early mortality.
Regular physical activity — including daily steps, resistance training and aerobic work — is consistently linked to reduced risk of heart disease, type 2 diabetes and several cancers.
Consistent, sufficient sleep quality is associated with lower cardiovascular risk, better metabolic health and improved mental wellbeing. Sleep is one of the nine weighted PHOS behaviours.
Verified pathology and preventive screening — captured via My Health Record and Medicare — help identify risk before it becomes illness, which is associated with fewer emergency admissions.
What could your habits be worth?
Move the sliders to see the estimated health and premium impact of consistent everyday behaviour.
WHO target: 150–300 min moderate aerobic per week.
Sweet spot: 2 muscle-strengthening sessions per week.
Illustrative estimate based on published population-level research — WHO physical activity guidelines, BJSM 2022 and JAMA Internal Medicine 2023 meta-analyses on resistance & aerobic training, Sleep Health Foundation and AIHW. Calculated in your browser — not medical advice and not a guaranteed premium.
Built by Accredited Exercise Physiologists.
Longevo was designed by clinicians with over a decade of experience in chronic disease management and preventive health. The PHOS framework translates established clinical evidence into a score insurers and members can both trust.
Loved by early members
Australians already building their PHOS — and turning everyday habits into real savings.
I've always been active, but Longevo finally makes it count for something. Watching my PHOS climb into Gold — and seeing a real discount land on my health cover — is genuinely motivating.
The Medicare and My Health Record verification is what sold me. It's not another step-counting gimmick — my bloodwork and screenings actually feed the score.
Linking my Whoop took thirty seconds and then it just runs in the background. My premiums going down for habits I already have feels like it should've existed years ago.
Frequently asked questions
Everything you need to know about your data, your score and your savings.
Is my health data private?
Yes. Longevo is built privacy-first. Insurers only ever receive your PHOS tier — never your raw health data, Medicare records or pathology results. You stay in control of what's connected.
Do I need to buy insurance to use Longevo?
No. Longevo is free to download and you can build your PHOS without any insurance purchase. Discounts simply become available through partner insurers as your verified score rises.
What if I don't own a wearable?
You can still earn. Smartphone GPS, pedometry and self-report keep your PHOS moving, and Medicare and My Health Record verification add clinically weighted points regardless of any device.
How are the premium discounts applied?
Partner insurers translate your PHOS tier into premium reductions — up to 20% off private health and 22% off life — applied automatically and re-checked continuously as your score moves between tiers.
How is my score verified?
Behaviours are passively captured from your connected wearable, then verified where possible through My Health Record and Medicare. Verified behaviour earns higher weighting, making your score credible to insurers.
Be first in line.
Longevo is in a private trial. Join the waitlist and we'll email you the moment it opens up — free, no insurance required.
Questions? Email us at hello@longevo.health