SPECIAL OFFER: Join AIA Health and get as much as $400 in NMFC membership credit. Use promo code ROOS21. T&Cs apply.
Review your policy
Additional information
For full details about your chosen cover, click on the links below:
Price includes
- Hospital excess
- Australian Government Rebate The Australian Government Rebate (AGR) is an amount the government contributes towards the cost of your private health insurance. The rebate is income and age-tested, which means your eligibility to receive it is determined by your age and how much you earn.
- No Australian Government Rebate applied
- Lifetime Health Cover loading Lifetime Health Cover (LHC) is a government initiative that encourages people to purchase and maintain private patient hospital cover earlier in life. If you have not taken out and maintained private patient hospital cover from the year you turn 31, you will pay a 2% LHC loading on top of your premium for every year you are aged over 30, if you decide to take out hospital cover later in life. If you have a partner on your policy, the loading is based on the average of your ages.
- Age-based Discount If you’re between the ages of 18 and 29 you’ll receive an Age-based Discount on your hospital cover. This discount is calculated at 2% for each year you are under 30, up to a maximum of 10% for those aged between 18 and 25 and is maintained for 10 years. If you have a partner on your policy, the discount you’ll receive is based on the average of your ages.
- 5% discount on your premium if you have AIA Vitality Simply achieve AIA Vitality Silver Status before December 31 each year to maintain the discount for the following year. If you join after September 30 in a given year, you will have until 31 December of the following year. Please see our Member Guide for more information.
- $7.50 monthly AIA Vitality fee per eligible adult Access to AIA Vitality for up to two adult members aged 18 or over. To purchase the product without AIA Vitality please call us on 1800 333 004.
- 30-day cooling-off period If you change your mind (and you haven’t made any claims) you can cancel your cover within 30 days of joining and you will receive a full refund by calling us on 1800 333 004.
Extras cover - Lite extras
Extras cover
50% minimum back on Extras
Get an additional 10% back on:
- Dental treatments by a smile.com.au provider
- All non-dental treatments when you achieve AIA Vitality Silver Status or above
Up to your annual limits.
Waiting periods
We will honour any waiting periods already served with your previous insurer.
6 months
Optical
2 months
All included treatments except above
What's covered
-
Covered
-
Not covered
-
Acupuncture
-
Antenatal and postnatal
-
Audiology
-
Chiropractic
-
Dental - General General dental includes consultations and examinations, diagnostic services (for example, x-rays), simple extractions, fillings and restorative services.
$500 annual limit (Combined with Dental - Preventative) -
Dental - Preventative Preventative dental includes oral examinations, removal of plaque, fluoride treatment, mouthguards and sealing of fissures.
$500 annual limit (Combined with Dental - General) -
Dental - Major
-
Eye therapy
-
Hearing aids
-
Massage therapy
-
Medically prescribed appliances
-
Occupational therapy
-
Optical
$150 annual limit -
Orthodontics
-
Osteopathy
-
Pharmaceutical benefits
-
Physiotherapy (including hydrotherapy and myotherapy)
$250 annual limit -
Podiatry
-
Psychology
-
Speech therapy
-
Wellness benefits Wellness benefits include weight management programs (including dietetics) and health checks.
$200 annual limit, sublimits apply
Extras calculated per person, per calendar year.
Extras cover - Standard extras
Extras cover
50% minimum back on Extras
Get an additional 10% back on:
- Dental treatments by a smile.com.au provider
- All non-dental treatments when you achieve AIA Vitality Silver Status or above
Up to your annual limits.
Waiting periods
We will honour any waiting periods already served with your previous insurer.
12 months
Major Dental
6 months
Optical
2 months
All included treatments except above
What's covered
-
Covered
-
Not covered
-
Acupuncture
$100 annual limit -
Antenatal and postnatal
-
Audiology
-
Chiropractic
$250 annual limit (Combined with Osteopathy) -
Dental - General General dental includes consultations and examinations, diagnostic services (for example, x-rays), simple extractions, fillings and restorative services.
$600 annual limit (Combined with Dental - Preventative) -
Dental - Preventative Preventative dental includes oral examinations, removal of plaque, fluoride treatment, mouthguards and sealing of fissures.
$600 annual limit (Combined with Dental - General) -
Dental - Major Major Dental includes periodontics (gum treatment), endodontics (root canal treatment), occlusal therapy and oral surgery.
$600 annual limit, sublimits apply -
Eye therapy
-
Hearing aids
-
Massage therapy
$100 annual limit -
Medically prescribed appliances
-
Occupational therapy
-
Optical
$200 annual limit -
Orthodontics
-
Osteopathy
$250 annual limit (Combined with Chiropractic) -
Pharmaceutical benefits
-
Physiotherapy (including hydrotherapy and myotherapy)
$350 annual limit -
Podiatry
-
Psychology
-
Speech therapy
-
Wellness benefits Wellness benefits include weight management programs (including dietetics), health checks and swimming lessons.
$300 annual limit, sublimits apply
Extras calculated per person, per calendar year.
Extras cover - Lifestyle extras
Extras cover
60% minimum back on Extras
Get an additional 10% back on:
- Dental treatments by a smile.com.au provider
- All non-dental treatments when you achieve AIA Vitality Silver Status or above
Up to your annual limits.
Waiting periods
We will honour any waiting periods already served with your previous insurer.
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
-
Covered
-
Not covered
-
Acupuncture
$150 annual limit -
Antenatal and postnatal
-
Audiology
-
Chiropractic
$300 annual limit (Combined with Osteopathy) -
Dental - General General dental includes consultations and examinations, diagnostic services (for example, x-rays), simple extractions, fillings and restorative services.
$800 annual limit (Combined with Dental - Preventative) -
Dental - Preventative Preventative dental includes oral examinations, removal of plaque, fluoride treatment, mouthguards and sealing of fissures.
$800 annual limit (Combined with Dental - General) -
Dental - Major Major Dental includes periodontics (gum treatment), endodontics (root canal treatment), occlusal therapy, crowns & bridges, denture implants, and oral surgery.
$800 annual limit, sublimits apply -
Eye therapy
-
Hearing aids
$300 annual limit -
Massage therapy
$150 annual limit -
Medically prescribed appliances A doctor's letter of recommendation is required to be lodged with claims for the following items/services: blood glucose monitor, extremity pump, nebuliser pump, sleep apnoea machine, tens machine and pressure garments. We do not pay benefits for the hire of any health appliance or equipment. A benefit replacement rule applies to health aids. After you claim you must wait a specified period of time before you can lodge another claim for the same item.
$250 annual limit -
Occupational therapy
-
Optical
$250 annual limit -
Orthodontics
$600 annual limit
$2,400 lifetime limit -
Osteopathy
$300 annual limit (Combined with chiropractic) -
Pharmaceutical benefits We will pay a benefit of up to $40 per prescription after the co-payment*, up to annual limits, for all non PBS pharmaceuticals and travel vaccines. Pharmaceutical benefits are only payable on drugs that are a Schedule 4 or Schedule 8 class. (*The 2020 PBS price is $41.00)
$100 annual limit ($40 per prescription) -
Physiotherapy (including hydrotherapy and myotherapy)
$400 annual limit -
Podiatry Orthopaedic and orthotic devices must be custom made by a podiatrist or orthotists and not by a chiropractor or physiotherapist. For an orthosis to be custom made, a plaster cast or mould must be taken. Customising, heat moulding, trimming or adjusting an existing 'off the shelf' appliance does not involve this process and therefore does not constitute a custom made appliance.
$200 annual limit -
Psychology
$200 annual limit -
Speech therapy
-
Wellness benefits Wellness benefits include weight management programs (including dietetics), health checks, smoking cessation and swimming lessons.
$500 annual limit, sublimits apply
Extras calculated per person, per calendar year.
Extras cover - Enhanced extras
Extras cover
70% minimum back on Extras
Get an additional 10% back on:
- Dental treatments by a smile.com.au provider
- All non-dental treatments when you achieve AIA Vitality Silver Status or above
Up to your annual limits.
Waiting periods
We will honour any waiting periods already served with your previous insurer.
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
-
Covered
-
Not covered
-
Acupuncture
$200 annual limit -
Antenatal and postnatal Antenatal and postnatal treatments can only be claimed through recognised midwives or lactation consultants.
$600 annual limit (Combined with Physiotherapy (including hydrotherapy and myotherapy)) -
Audiology
$200 annual limit -
Chiropractic
$400 annual limit (Combined with osteopathy) -
Dental - General General dental includes consultations and examinations, diagnostic services (for example, x-rays), simple extractions, fillings and restorative services.
$1000 annual limit (Combined with Dental - Preventative) -
Dental - Preventative Preventative dental includes oral examinations, removal of plaque, fluoride treatment, mouthguards and sealing of fissures.
$1000 annual limit (Combined with Dental - General) -
Dental - Major Major Dental includes periodontics (gum treatment), endodontics (root canal treatment), occlusal therapy, crowns & bridges, denture implants, and oral surgery.
$1000 annual limit, sublimits apply -
Eye therapy
$200 annual limit -
Hearing aids
$400 annual limit -
Massage therapy
$200 annual limit -
Medically prescribed appliances A doctor's letter of recommendation is required to be lodged with claims for the following items/services: blood glucose monitor, extremity pump, nebuliser pump, sleep apnoea machine, tens machine and pressure garments. We do not pay benefits for the hire of any health appliance or equipment. A benefit replacement rule applies to health aids. After you claim you must wait a specified period of time before you can lodge another claim for the same item.
$400 annual limit -
Occupational therapy
$200 annual limit -
Optical
$250 annual limit -
Orthodontics
$800 annual limit
$3,200 lifetime limit -
Osteopathy
$400 annual limit (Combined with chiropractic) -
Pharmaceutical benefits We will pay a benefit of up to $40 per prescription after the co-payment*, up to annual limits, for all non PBS pharmaceuticals and travel vaccines. Pharmaceutical benefits are only payable on drugs that are a Schedule 4 or Schedule 8 class. (*The 2020 PBS price is $41.00)
$300 annual limit ($40 per prescription) -
Physiotherapy (including hydrotherapy and myotherapy)
$600 annual limit (Combined with Antenatal and postnatal) -
Podiatry Orthopaedic and orthotic devices must be custom made by a podiatrist or orthotists and not by a chiropractor or physiotherapist. For an orthosis to be custom made, a plaster cast or mould must be taken. Customising, heat moulding, trimming or adjusting an existing 'off the shelf' appliance does not involve this process and therefore does not constitute a custom made appliance.
$250 annual limit -
Psychology
$200 annual limit -
Speech therapy
$200 annual limit -
Wellness benefits Wellness benefits include weight management programs (including dietetics), health checks, smoking cessation and swimming lessons.
$900 annual limit, sublimits apply
Extras calculated per person, per calendar year.