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TOP 6 BENEFITS OF PRIVATE HEALTH INSURANCE IN AUSTRALIA
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Are You Overpaying for Health Cover? Let's Find Out!
- Compare Your Current Cover
- Find a Plan That Fits Your Needs & Budget
- Avoid Overpaying Premiums
Choose Hospital only cover or choose Hospital and Extras cover across a range of benefit levels. It’s your cover after all – so you decide.
Why Choose AIA Health?
- Up to 70% back on extras
- Hospital + Extras options
- No Gap Dental (smile.com.au providers)
- 30-day cooling off period
- AIA Vitality rewards and Boost offers
- 100% refund on hospital excess for eligible admissions
Frequently Asked Questions
What’s the difference between Hospital and Extras cover?
Hospital cover helps pay for treatment in private hospitals. You avoid public hospital waiting lists and get more choice. Extras cover helps with non-hospital services like dental, physio, and optical. It's popular for everyday care needs.
Can I combine Hospital and Extras cover?
Yes! This is called Combined Cover. You can choose the level of hospital and extras you want, based on your needs and budget.
What’s the government rebate on private health?
Most Australians receive a rebate to reduce the cost of premiums. It’s based on your age and income. You can claim it as a discount or at tax time.
What is the Medicare Levy Surcharge?
If you earn above a certain threshold and don’t have private health cover, you may be charged an extra 1–1.5% in tax.
What is Lifetime Health Cover (LHC) loading?
If you don’t take out hospital cover before age 31, you may pay a 2% loading on your premium for each year you delay.
Speak With a Health Insurance Expert
Want help understanding your options? AIA Health Experts can walk you through your choices and provide a free quote.