Select the level of cover that best suits your needs
Based on your visa subclass, you can choose from the following cover options.
You are looking for single cover to meet Visa 482 requirements.
Payment frequency
Base Cover
AUD /
Your excess is the amount that you must contribute towards the cost of any hospital treatment during the calendar year. This product has the excess options of $500 and $750. The excess applies per member, per calendar year and it doesn’t apply to child or student dependents covered under a family or single parent policy.
An affordable option for those seeking a high level of hospital cover.
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Choice of $500 or $750 excess
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Emergency ambulance
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Repatriation or funeral expenses
We may pay a repatriation benefit of up to $100,000 for a medical repatriation to your home country. From 15 October 2025, the maximum benefit amount will reduce to $50,000. In the event of the death of someone on the membership, we may pay a benefit of up to $10,000 for funeral expenses. Conditions apply. Please see your Member Guide and Fact Sheet for further details.
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Hospital treatment for physical rehabilitation for a patient related to surgery or illness.
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Hospital treatment for the treatment and care of patients with psychiatric, mental, addiction or behavioural disorders.
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Hospital treatment for care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain.
-
Hospital treatment for the investigation and treatment of the brain, brain-related conditions, spinal cord and peripheral nervous system.
-
Hospital treatment for the investigation and treatment of the heart, heart-related conditions and vascular system.
-
Hospital treatment for the investigation and treatment of the lungs, lung-related conditions, mediastinum and chest.
-
Hospital treatment for the investigation and treatment of the ear, nose, throat, middle ear, thyroid, parathyroid, larynx, lymph nodes and related areas of the head and neck.
-
Hospital treatment for the investigation and treatment of the back, neck and spinal column, including spinal fusion.
-
Hospital treatment for the investigation and treatment of blood and blood-related conditions.
-
Hospital treatment for the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system.
-
Hospital treatment for the investigation and treatment of breast disorders and associated lymph nodes, and reconstruction and/or reduction following breast surgery or a preventative mastectomy.
-
Hospital treatment for surgery to remove a cataract and replace with an artificial lens.
-
Hospital treatment for chemotherapy, radiotherapy and immunotherapy for the treatment of cancer or benign tumours.
-
Hospital treatment for surgery to the teeth and gums.
-
Hospital treatment for dialysis treatment for chronic kidney failure.
-
Hospital treatment for the investigation and management of diabetes.
-
Hospital treatment for the investigation and treatment of the digestive system, including the oesophagus, stomach, gall bladder, pancreas, spleen, liver and bowel.
-
Hospital treatment for the investigation and treatment of the eye and the contents of the eye socket.
-
Hospital treatment for the diagnosis, investigation and treatment of the internal parts of the gastrointestinal system using an endoscope.
-
Hospital treatment for the investigation and treatment of the female reproductive system.
-
Hospital treatment for the investigation and treatment of a hernia or appendicitis.
-
Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device.
-
Hospital treatment for the provision and replacement of insulin pumps for treatment of diabetes.
-
Hospital treatment for surgery for joint reconstructions.
-
Hospital treatment for surgery for joint replacements, including revisions, resurfacing, partial replacements and removal of prostheses.
-
Hospital treatment for the investigation and treatment of the kidney, adrenal gland and bladder.
-
Hospital treatment for investigation and treatment of conditions associated with pregnancy and child birth. Treatment for the baby is covered under the clinical category relevant to their condition. For example, respiratory conditions are covered under Lung and chest.
-
Hospital treatment for the investigation and treatment of the male reproductive system including the prostate.
-
Hospital treatment for the investigation and treatment of a miscarriage or for termination of pregnancy.
-
Hospital treatment for pain management that does not require the insertion or surgical management of a device.
-
Hospital treatment for the implantation, replacement or other surgical management of a device required for the treatment of pain.
-
Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity, whether acquired as a result of illness or accident, or congenital.
-
Hospital treatment for the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon, but limited to cover for accommodation and the cost of a prosthesis as listed in the prostheses list set out in the Private Health Insurance (Prostheses) Rules, as in force from time to time.
-
Hospital treatment for the investigation and treatment of skin, skin-related conditions and nails. The removal of foreign bodies is included. Plastic surgery that is medically necessary and relating to the treatment of a skin-related condition is included.
-
Hospital treatment for the investigation of sleep patterns and anomalies.
-
Hospital treatment of the tonsils, adenoids and insertion or removal of grommets.
-
Hospital treatment for surgery that is designed to reduce a person’s weight, remove excess skin due to weight loss and reversal of a bariatric procedure.
-
Hospital treatment for fertility treatments or procedures.
-
A bone marrow transplant is a procedure that infuses healthy blood-forming stem cells into your body to replace bone marrow that's not producing enough healthy blood cells. Bone marrow transplant recipients require intensive transfusion support preceding the marrow infusion.
-
A cosmetic treatment is one which is concerned with altering the appearance of a body part or tissue which lies within the bounds of normal variation. Examples of Cosmetic Surgery:
Rhinoplasty (nose reconstruction) without previous trauma or congenital defect, breast enlargement, liposuction.
-
An organ transplant involves removing an organ from a donor and putting it into someone who is unwell with organ failure. Organs and tissues that can be transplanted include the heart, lungs, kidneys, liver, skin and parts of the eye.
-
All AIA Health products include cover to be treated in an agreement private hospital for injuries sustained through an accident.
-
100% of the MBS (Medicare Benefits Schedule) fee for in-hospital medical services provided as part of an included service (e.g. surgeon and anaesthetist fees).
-
AIA Health will pay towards the cost of eligible pharmaceuticals provided as part of your treatment in hospital for an included service, after a contribution amount has been deducted. A contribution amount is an amount you are required to pay towards the cost of an eligible pharmaceutical item, which is aligned to the PBS co-payment and indexed annually.
-
For an included service, AIA Health will pay the minimum benefit as listed in the Australian Government’s Prostheses List.
-
100% of the facility fee charged by a public hospital for attending their accident and emergency department if admitted.
-
100% of the facility fee charged by a public hospital for attending their accident and emergency department if not admitted.
-
From 15 October 2025, we will cover 100% of the facility fee charged by a private hospital for attending their accident and emergency department if admitted.
-
We do not cover any of the facility fee charged by a private hospital for attending their accident and emergency department if you are not admitted.
-
100% of the MBS (Medicare Benefits Schedule) Fee for consultations with a General Practitioner (GP).
-
100% of the MBS (Medicare Benefits Schedule) Fee for specialist consultations provided out-of-hospital, except where that service is excluded under your Hospital cover.
-
100% of the MBS (Medicare Benefits Schedule) Fee for Allied health services billed with an MBS item number (e.g. eye checks and services related to chronic disease management plans), excluding psychology services.
-
Up to $40 per item, after the PBS threshold, for all non-PBS Pharmaceuticals and travel vaccines up to your annual limits. Pharmaceuticals are only payable on drugs that are a Schedule 4 or Schedule 8 class.
-
100% of the MBS (Medicare Benefits Schedule) Fee for pathology services provided out-of-hospital, except where that service is excluded under your Hospital cover.
-
100% of the MBS (Medicare Benefits Schedule) Fee 100% for x-rays provided out-of-hospital, except where that service is excluded under your Hospital cover.
-
Medical consultations or treatment associated with pregnancy without the need to be admitted into the hospital (e.g. Obstetrician, midwife, antenatal consultations, ultrasounds etc). This includes hospital outpatient clinics where you are not admitted as a patient.
-
Psychiatric services provided out-of-hospital, including hospital outpatient clinics where you are not admitted as a patient.
-
Up to $500 benefit per member every 5 years towards the hire or purchase of an approved Continuous Positive Airway Pressure (CPAP)-type device. Conditions apply, refer to your Member Guide.
-
AIA Health will cover you for ambulance transportation when medically necessary for admission to hospital, emergency treatment onsite, or inter-hospital transfer for emergency treatment. This includes inter-hospital transfers that are necessary because the original admitting hospital does not have the required clinical facilities. It does not extend to transfers due to patient preferences.
-
You will not be charged a Hospital Excess for children or student dependents covered under a family or single parent policy.
-
You can choose your doctor or specialist when you are treated in hospital as a private patient.
-
In the unfortunate event of a member's death, AIA Health will pay up to $10,000 towards the reasonable costs of their funeral in Australia, where the deceased is being buried or cremated in Australia.
-
If you or any person on your membership sustains a substantial life-altering disability or a serious medical condition, as determined by AIA Health, and needs to return to their home country, AIA Health may pay up to $100,000 (reducing to $50,000 for Base Cover from 15 October 2025) towards the reasonable cost of travel with appropriate medical supervision. In the unfortunate event of death, AIA Health will pay up to $10,000 towards the reasonable cost for the repatriation of mortal remains (excluding ashes following a cremation) of you or anyone else on your membership to that person’s home country if legally permissible.
-
Under this benefit, AIA Health will pay towards the travel and accommodation costs of either yourself or a carer (if applicable) if you are admitted to a hospital far away from your home. Benefits are only eligible where the round trip is at least 200km within Australia. Benefits are capped at $50 per day for accommodation and 15 cents/km for travel for you and your carer.
-
Receive care and assistance at any time of the day with our trusted partner Nationwide Helpline Services (NHS). Calls to our Health Line are free, providing AIA Health OVHC members access to medical assistance and support and translation services when they need it.
Standard Cover
AUD /
Your excess is the amount that you must contribute towards the cost of any hospital treatment during the calendar year. This product has the excess options of $500 and $750. The excess applies per member, per calendar year and it doesn’t apply to child or student dependents covered under a family or single parent policy.
Suitable for those seeking a high level of hospital cover plus additional cover for a range of out-of-hospital medical services.
-
Choice of $500 or $750 excess
-
Emergency ambulance
-
Repatriation or funeral expenses
We may pay a repatriation benefit of up to $100,000 for a medical repatriation to your home country. In the event of the death of someone on the membership, we may pay a benefit of up to $10,000 for funeral expenses. Conditions apply. Please see your Member Guide and Fact Sheet for further details.
-
100% of the MBS for a range of out-of-hospital medical services (e.g. doctors (GP) visits, specialist consultations and more)
The Medicare Benefits Schedule (MBS) is a list of the medical services and fees maintained by the Australian Government. Any difference in the fees charged by a provider/health professional is known as an 'out of pocket' cost or 'gap fee' and will need to be paid by the member.
-
Hospital treatment for physical rehabilitation for a patient related to surgery or illness.
-
Hospital treatment for the treatment and care of patients with psychiatric, mental, addiction or behavioural disorders.
-
Hospital treatment for care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain.
-
Hospital treatment for the investigation and treatment of the brain, brain-related conditions, spinal cord and peripheral nervous system.
-
Hospital treatment for the investigation and treatment of the heart, heart-related conditions and vascular system.
-
Hospital treatment for the investigation and treatment of the lungs, lung-related conditions, mediastinum and chest.
-
Hospital treatment for the investigation and treatment of the ear, nose, throat, middle ear, thyroid, parathyroid, larynx, lymph nodes and related areas of the head and neck.
-
Hospital treatment for the investigation and treatment of the back, neck and spinal column, including spinal fusion.
-
Hospital treatment for the investigation and treatment of blood and blood-related conditions.
-
Hospital treatment for the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system.
-
Hospital treatment for the investigation and treatment of breast disorders and associated lymph nodes, and reconstruction and/or reduction following breast surgery or a preventative mastectomy.
-
Hospital treatment for surgery to remove a cataract and replace with an artificial lens.
-
Hospital treatment for chemotherapy, radiotherapy and immunotherapy for the treatment of cancer or benign tumours.
-
Hospital treatment for surgery to the teeth and gums.
-
Hospital treatment for dialysis treatment for chronic kidney failure.
-
Hospital treatment for the investigation and management of diabetes.
-
Hospital treatment for the investigation and treatment of the digestive system, including the oesophagus, stomach, gall bladder, pancreas, spleen, liver and bowel.
-
Hospital treatment for the investigation and treatment of the eye and the contents of the eye socket.
-
Hospital treatment for the diagnosis, investigation and treatment of the internal parts of the gastrointestinal system using an endoscope.
-
Hospital treatment for the investigation and treatment of the female reproductive system.
-
Hospital treatment for the investigation and treatment of a hernia or appendicitis.
-
Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device.
-
Hospital treatment for the provision and replacement of insulin pumps for treatment of diabetes.
-
Hospital treatment for surgery for joint reconstructions.
-
Hospital treatment for surgery for joint replacements, including revisions, resurfacing, partial replacements and removal of prostheses.
-
Hospital treatment for the investigation and treatment of the kidney, adrenal gland and bladder.
-
Hospital treatment for investigation and treatment of conditions associated with pregnancy and child birth. Treatment for the baby is covered under the clinical category relevant to their condition. For example, respiratory conditions are covered under Lung and chest.
-
Hospital treatment for the investigation and treatment of the male reproductive system including the prostate.
-
Hospital treatment for the investigation and treatment of a miscarriage or for termination of pregnancy.
-
Hospital treatment for pain management that does not require the insertion or surgical management of a device.
-
Hospital treatment for the implantation, replacement or other surgical management of a device required for the treatment of pain.
-
Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity, whether acquired as a result of illness or accident, or congenital.
-
Hospital treatment for the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon, but limited to cover for accommodation and the cost of a prosthesis as listed in the prostheses list set out in the Private Health Insurance (Prostheses) Rules, as in force from time to time.
-
Hospital treatment for the investigation and treatment of skin, skin-related conditions and nails. The removal of foreign bodies is included. Plastic surgery that is medically necessary and relating to the treatment of a skin-related condition is included.
-
Hospital treatment for the investigation of sleep patterns and anomalies.
-
Hospital treatment of the tonsils, adenoids and insertion or removal of grommets.
-
Hospital treatment for surgery that is designed to reduce a person’s weight, remove excess skin due to weight loss and reversal of a bariatric procedure.
-
Hospital treatment for fertility treatments or procedures.
-
A bone marrow transplant is a procedure that infuses healthy blood-forming stem cells into your body to replace bone marrow that's not producing enough healthy blood cells. Bone marrow transplant recipients require intensive transfusion support preceding the marrow infusion.
-
A cosmetic treatment is one which is concerned with altering the appearance of a body part or tissue which lies within the bounds of normal variation. Examples of Cosmetic Surgery:
Rhinoplasty (nose reconstruction) without previous trauma or congenital defect, breast enlargement, liposuction.
-
An organ transplant involves removing an organ from a donor and putting it into someone who is unwell with organ failure. Organs and tissues that can be transplanted include the heart, lungs, kidneys, liver, skin and parts of the eye.
-
All AIA Health products include cover to be treated in an agreement private hospital for injuries sustained through an accident.
-
100% of the MBS (Medicare Benefits Schedule) fee for in-hospital medical services provided as part of an included service (e.g. surgeon and anaesthetist fees).
-
AIA Health will pay towards the cost of eligible pharmaceuticals provided as part of your treatment in hospital for an included service, after a contribution amount has been deducted. A contribution amount is an amount you are required to pay towards the cost of an eligible pharmaceutical item, which is aligned to the PBS co-payment and indexed annually.
-
For an included service, AIA Health will pay the minimum benefit as listed in the Australian Government’s Prostheses List.
-
100% of the facility fee charged by a public hospital for attending their accident and emergency department if admitted.
-
100% of the facility fee charged by a public hospital for attending their accident and emergency department if not admitted.
-
From 15 October 2025, we will cover 100% of the facility fee charged by a private hospital for attending their accident and emergency department if admitted.
-
We do not cover any of the facility fee charged by a private hospital for attending their accident and emergency department if you are not admitted.
-
100% of the MBS (Medicare Benefits Schedule) Fee for consultations with a General Practitioner (GP).
-
100% of the MBS (Medicare Benefits Schedule) Fee for specialist consultations provided out-of-hospital, except where that service is excluded under your Hospital cover.
-
100% of the MBS (Medicare Benefits Schedule) Fee for Allied health services billed with an MBS item number (e.g. eye checks and services related to chronic disease management plans), excluding psychology services.
-
Up to $40 per item, after the PBS threshold, for all non-PBS Pharmaceuticals and travel vaccines up to your annual limits. Pharmaceuticals are only payable on drugs that are a Schedule 4 or Schedule 8 class.
-
100% of the MBS (Medicare Benefits Schedule) Fee for pathology services provided out-of-hospital, except where that service is excluded under your Hospital cover.
-
100% of the MBS (Medicare Benefits Schedule) Fee 100% for x-rays provided out-of-hospital, except where that service is excluded under your Hospital cover.
-
Medical consultations or treatment associated with pregnancy without the need to be admitted into the hospital (e.g. Obstetrician, midwife, antenatal consultations, ultrasounds etc). This includes hospital outpatient clinics where you are not admitted as a patient.
-
Psychiatric services provided out-of-hospital, including hospital outpatient clinics where you are not admitted as a patient.
-
Up to $500 benefit per member every 5 years towards the hire or purchase of an approved Continuous Positive Airway Pressure (CPAP)-type device. Conditions apply, refer to your Member Guide.
-
AIA Health will cover you for ambulance transportation when medically necessary for admission to hospital, emergency treatment onsite, or inter-hospital transfer for emergency treatment. This includes inter-hospital transfers that are necessary because the original admitting hospital does not have the required clinical facilities. It does not extend to transfers due to patient preferences.
-
You will not be charged a Hospital Excess for children or student dependents covered under a family or single parent policy.
-
You can choose your doctor or specialist when you are treated in hospital as a private patient.
-
In the unfortunate event of a member's death, AIA Health will pay up to $10,000 towards the reasonable costs of their funeral in Australia, where the deceased is being buried or cremated in Australia.
-
If you or any person on your membership sustains a substantial life-altering disability or a serious medical condition, as determined by AIA Health, and needs to return to their home country, AIA Health may pay up to $100,000 (reducing to $50,000 for Base Cover from 15 October 2025) towards the reasonable cost of travel with appropriate medical supervision. In the unfortunate event of death, AIA Health will pay up to $10,000 towards the reasonable cost for the repatriation of mortal remains (excluding ashes following a cremation) of you or anyone else on your membership to that person’s home country if legally permissible.
-
Under this benefit, AIA Health will pay towards the travel and accommodation costs of either yourself or a carer (if applicable) if you are admitted to a hospital far away from your home. Benefits are only eligible where the round trip is at least 200km within Australia. Benefits are capped at $50 per day for accommodation and 15 cents/km for travel for you and your carer.
-
Receive care and assistance at any time of the day with our trusted partner Nationwide Helpline Services (NHS). Calls to our Health Line are free, providing AIA Health OVHC members access to medical assistance and support and translation services when they need it.