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Additional information

For full details about your chosen cover, click on the links below:

downloadHospital fact sheet downloadExtras fact sheet downloadMember guide
  • Price Includes
  • Hospital excess
  • Australian Government Rebate
  • No Australian Government Rebate applied
  • Lifetime Health Cover loading
  • Age-based Discount
  • 5% Discount on your premium through AIA Vitality
  • (Achieve AIA Vitality Silver Status to maintain)
  • $7.50 monthly AIA Vitality fee per eligible adult
  • You will have a 30-day cooling-off period

Extras cover - Lite extras

Extras cover

50% minimum back on extras

Get up to 60% back on extras

Get an additional 10% back on:

  • Dental treatments with smile.com.au
  • All non-dental treatments when you achieve AIA Vitality Silver Status or above

Up to your annual limits.
Waiting periods

6 months

Optical

2 months

All included treatments except above

What's covered
  • tick icon Covered
  • tick icon Not covered

  • Not covered

    Acupuncture

  • Not covered

    Antenatal and postnatal

  • Not covered

    Audiology

  • Not covered

    Chiropractic

  • Covered

    Dental - General info tooltip

    $500 annual limit (Combined with Dental - Preventative)

  • Covered

    Dental - Preventative info tooltip

    $500 annual limit (Combined with Dental - General)

  • Not covered

    Dental - Major

  • Not covered

    Eye therapy

  • Not covered

    Hearing aids

  • Not covered

    Massage therapy

  • Not covered

    Medically prescribed appliances

  • Not covered

    Occupational therapy

  • Covered

    Optical

    $150 annual limit

  • Not covered

    Orthodontics

  • Not covered

    Osteopathy

  • Not covered

    Pharmaceutical benefits

  • Covered

    Physiotherapy (including hydrotherapy and myotherapy)

    $250 annual limit

  • Not covered

    Podiatry

  • Not covered

    Psychology

  • Not covered

    Speech therapy

  • Covered

    Wellness benefits info tooltip

    $200 annual limit, sublimits apply
  • Extras calculated per person, per calendar year.

Extras cover - Standard extras

Extras cover

50% minimum back on extras

Get up to 60% back on extras

Get an additional 10% back on:

  • Dental treatments with smile.com.au
  • All non-dental treatments when you achieve AIA Vitality Silver Status or above

Up to your annual limits.
Waiting periods

12 months

Major Dental

6 months

Optical

2 months

All included treatments except above

What's covered
  • tick icon Covered
  • tick icon Not covered

  • Covered

    Acupuncture

    $100 annual limit

  • Not covered

    Antenatal and postnatal

  • Not covered

    Audiology

  • Covered

    Chiropractic

    $250 annual limit (Combined with Osteopathy)

  • Covered

    Dental - General info tooltip

    $600 annual limit (Combined with Dental - Preventative)

  • Covered

    Dental - Preventative info tooltip

    $600 annual limit (Combined with Dental - General)

  • Covered

    Dental - Major info tooltip

    $600 annual limit, sublimits apply

  • Not covered

    Eye therapy

  • Not covered

    Hearing aids

  • Covered

    Massage therapy

    $100 annual limit

  • Not covered

    Medically prescribed appliances

  • Not covered

    Occupational therapy

  • Covered

    Optical

    $200 annual limit

  • Not covered

    Orthodontics

  • Covered

    Osteopathy

    $250 annual limit (Combined with Chiropractic)

  • Not covered

    Pharmaceutical benefits

  • Covered

    Physiotherapy (including hydrotherapy and myotherapy)

    $350 annual limit

  • Not covered

    Podiatry

  • Not covered

    Psychology

  • Not covered

    Speech therapy

  • Covered

    Wellness benefits info tooltip

    $300 annual limit, sublimits apply
  • Extras calculated per person, per calendar year.

Extras cover - Lifestyle extras

Extras cover

60% minimum back on extras.

Get up to 70% back on extras

Get an additional 10% back on:

  • Dental treatments with smile.com.au
  • All non-dental treatments when you achieve AIA Vitality Silver Status or above

Up to your annual limits.
Waiting periods

12 months

Major Dental

Hearing aids

Medically prescribed appliances and non-surgical prostheses

Orthodontics

6 months

Optical

2 months

All included treatments except above

What's covered
  • tick icon Covered
  • tick icon Not covered

  • Covered

    Acupuncture

    $150 annual limit

  • Not covered

    Antenatal and postnatal

  • Not covered

    Audiology

  • Covered

    Chiropractic

    $300 annual limit (Combined with Osteopathy)

  • Covered

    Dental - General info tooltip

    $800 annual limit (Combined with Dental - Preventative)

  • Covered

    Dental - Preventative info tooltip

    $800 annual limit (Combined with Dental - General)

  • Covered

    Dental - Major info tooltip

    $800 annual limit, sublimits apply

  • Not covered

    Eye therapy

  • Covered

    Hearing aids

    $300 annual limit

  • Covered

    Massage therapy

    $150 annual limit

  • Covered

    Medically prescribed appliances info tooltip

    $250 annual limit

  • Not covered

    Occupational therapy

  • Covered

    Optical

    $250 annual limit

  • Covered

    Orthodontics

    $600 annual limit
    $2,400 lifetime limit

  • Covered

    Osteopathy

    $300 annual limit (Combined with chiropractic)

  • Covered

    Pharmaceutical benefits info tooltip

    $100 annual limit ($40 per prescription)

  • Covered

    Physiotherapy (including hydrotherapy and myotherapy)

    $400 annual limit

  • Covered

    Podiatry info tooltip

    $200 annual limit

  • Covered

    Psychology

    $200 annual limit

  • Not covered

    Speech therapy

  • Covered

    Wellness benefits info tooltip

    $500 annual limit, sublimits apply
  • Extras calculated per person, per calendar year.

Extras cover - Enhanced extras

Extras cover

70% minimum back on extras

Get up to 80% back on extras

Get an additional 10% back on:

  • Dental treatments with smile.com.au
  • All non-dental treatments when you achieve AIA Vitality Silver Status or above

Up to your annual limits.
Waiting periods

12 months

Major Dental

Hearing aids

Medically prescribed appliances and non-surgical prostheses

Orthodontics

6 months

Optical

2 months

All included treatments except above

What's covered
  • tick icon Covered
  • tick icon Not covered

  • Covered

    Acupuncture

    $200 annual limit

  • Covered

    Antenatal and postnatal info tooltip

    $600 annual limit (Combined with Physiotherapy (including hydrotherapy and myotherapy))

  • Covered

    Audiology

    $200 annual limit

  • Covered

    Chiropractic

    $400 annual limit (Combined with osteopathy)

  • Covered

    Dental - General info tooltip

    $1000 annual limit (Combined with Dental - Preventative)

  • Covered

    Dental - Preventative info tooltip

    $1000 annual limit (Combined with Dental - General)

  • Covered

    Dental - Major info tooltip

    $1000 annual limit, sublimits apply

  • Covered

    Eye therapy

    $200 annual limit

  • Covered

    Hearing aids

    $400 annual limit

  • Covered

    Massage therapy

    $200 annual limit

  • Covered

    Medically prescribed appliances info tooltip

    $400 annual limit

  • Covered

    Occupational therapy

    $200 annual limit

  • Covered

    Optical

    $250 annual limit

  • Covered

    Orthodontics

    $800 annual limit
    $3,200 lifetime limit

  • Covered

    Osteopathy

    $400 annual limit (Combined with chiropractic)

  • Covered

    Pharmaceutical benefits info tooltip

    $300 annual limit ($40 per prescription)

  • Covered

    Physiotherapy (including hydrotherapy and myotherapy)

    $600 annual limit (Combined with Antenatal and postnatal)

  • Covered

    Podiatry info tooltip

    $250 annual limit

  • Covered

    Psychology

    $200 annual limit

  • Covered

    Speech therapy

    $200 annual limit

  • Covered

    Wellness benefits info tooltip

    $900 annual limit, sublimits apply
  • Extras calculated per person, per calendar year.