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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.
  • $10 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 Covered
  • Not covered Not covered

  • Not covered

    Acupuncture

  • Not covered

    Antenatal and postnatal

  • Not covered

    Audiology

  • Not covered

    Chiropractic

  • Covered

    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)

  • Covered

    Dental - Preventative Preventative dental includes oral examinations, removal of plaque, fluoride treatment, mouthguards and sealing of fissures.

    $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 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 Covered
  • Not covered 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 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)

  • Covered

    Dental - Preventative Preventative dental includes oral examinations, removal of plaque, fluoride treatment, mouthguards and sealing of fissures.

    $600 annual limit (Combined with Dental - General)

  • Covered

    Dental - Major Major Dental includes periodontics (gum treatment), endodontics (root canal treatment), occlusal therapy and oral surgery.

    $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 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 Covered
  • Not covered 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 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)

  • Covered

    Dental - Preventative Preventative dental includes oral examinations, removal of plaque, fluoride treatment, mouthguards and sealing of fissures.

    $800 annual limit (Combined with Dental - General)

  • Covered

    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

  • Not covered

    Eye therapy

  • Covered

    Hearing aids

    $300 annual limit

  • Covered

    Massage therapy

    $150 annual limit

  • Covered

    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

  • 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 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)

  • Covered

    Physiotherapy (including hydrotherapy and myotherapy)

    $400 annual limit

  • Covered

    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

  • Covered

    Psychology

    $200 annual limit

  • Not covered

    Speech therapy

  • Covered

    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 Covered
  • Not covered Not covered

  • Covered

    Acupuncture

    $200 annual limit

  • Covered

    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))

  • Covered

    Audiology

    $200 annual limit

  • Covered

    Chiropractic

    $400 annual limit (Combined with osteopathy)

  • Covered

    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)

  • Covered

    Dental - Preventative Preventative dental includes oral examinations, removal of plaque, fluoride treatment, mouthguards and sealing of fissures.

    $1000 annual limit (Combined with Dental - General)

  • Covered

    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

  • Covered

    Eye therapy

    $200 annual limit

  • Covered

    Hearing aids

    $400 annual limit

  • Covered

    Massage therapy

    $200 annual limit

  • Covered

    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

  • 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 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)

  • Covered

    Physiotherapy (including hydrotherapy and myotherapy)

    $600 annual limit (Combined with Antenatal and postnatal)

  • Covered

    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

  • Covered

    Psychology

    $200 annual limit

  • Covered

    Speech therapy

    $200 annual limit

  • Covered

    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.

Extras cover - Active saver

Extras cover

Fixed amount back on Extras

Active Saver:

  • Receive a fixed benefit amount on your extras treatments
  • Receive 60% back on all smile.com.au dental treatments 

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 Covered
  • Not covered Not covered

  • Covered

    Acupuncture

    $150 annual limit
    Initial consultation: $35 per claim
    Subsequent consultation: $30 per claim

  • Not covered

    Antenatal and postnatal

  • Not covered

    Audiology

  • Covered

    Chiropractic

    $300 annual limit (Combined with Osteopathy)
    Initial consultation: $40 per claim
    Subsequent consultation: $30 per claim

  • Covered

    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)
    Smile.com.au dentist: 60% back
    Other providers: Fixed Amount

  • Covered

    Dental - Preventative Preventative dental includes oral examinations, removal of plaque, fluoride treatment, mouthguards and sealing of fissures.

    $600 annual limit (Combined with Dental - General)
    Smile.com.au dentist: 60% back
    Other providers: Fixed Amount

  • Covered

    Dental - Major Major Dental includes periodontics (gum treatment), endodontics (root canal treatment), occlusal therapy, crowns & bridges, denture implants, and oral surgery.

    $700 annual limit
    Smile.com.au dentist: 60% back
    Other providers: Fixed Amount

  • Not covered

    Eye therapy

  • Covered

    Hearing aids

    $300 annual limit
    $200 per claim

  • Covered

    Massage therapy

    $150 annual limit
    Initial consultation: $35 per claim
    Subsequent consultation: $30 per claim

  • Covered

    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
    $45 per claim

  • Not covered

    Occupational therapy

  • Covered

    Optical

    $200 annual limit
    $150 per claim

  • Covered

    Orthodontics

    $600 annual limit
    $2,400 lifetime limit

  • Covered

    Osteopathy

    $300 annual limit (Combined with Chiropractic)
    Initial consultation: $45 per claim
    Subsequent consultation: $35 per claim

  • Covered

    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)

    $350 annual limit ($40 per prescription)

  • Covered

    Physiotherapy (including hydrotherapy and myotherapy)

    $350 annual limit
    Initial consultation: $40 per claim
    Subsequent consultation: $30 per claim

  • Covered

    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
    Initial consultation: $40 per claim
    Subsequent consultation: $30 per claim

  • Covered

    Psychology

    $200 annual limit
    Initial consultation: $70 per claim
    Subsequent consultation: $50 per claim

  • Not covered

    Speech therapy

  • Covered

    Wellness benefits Wellness benefits include weight management programs (including dietetics), health checks and swimming lessons.

    $400 annual limit, sublimits apply

    • Extras calculated per person, per calendar year.

Extras cover - Healthy saver

Extras cover

Fixed amount back on Extras

Healthy Saver:

  • Receive a fixed benefit amount on your extras treatments
  • Receive 50% back on all smile.com.au dental treatments

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 Covered
  • Not covered Not covered

  • Covered

    Acupuncture

    $150 annual limit (Combined with Massage therapy)
    Initial consultation: $35 per claim
    Subsequent consultation: $30 per claim

  • Not covered

    Antenatal and postnatal

  • Not covered

    Audiology

  • Covered

    Chiropractic

    $200 annual limit (Combined with Osteopathy)
    Initial consultation: $40 per claim
    Subsequent consultation: $30 per claim

  • Covered

    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 and Dental - Major)
    Smile.com.au dentist: 50% back
    Other providers: Fixed Amount

  • Covered

    Dental - Preventative Preventative dental includes oral examinations, removal of plaque, fluoride treatment, mouthguards and sealing of fissures.

    $500 annual limit (Combined with Dental - General and Dental - Major)
    Smile.com.au dentist: 50% back
    Other providers: Fixed Amount

  • Covered

    Dental - Major Major Dental includes periodontics (gum treatment), endodontics (root canal treatment), occlusal therapy, crowns & bridges, denture implants, and oral surgery.

    $500 annual limit (Combined with Dental - Preventative and Dental - General)
    Smile.com.au dentist: 50% back
    Other providers: Fixed Amount

  • Not covered

    Eye therapy

  • Not covered

    Hearing aids

  • Covered

    Massage therapy

    $150 annual limit (Combined with Acupuncture)
    Initial consultation: $35 per claim
    Subsequent consultation: $30 per claim

  • Not covered

    Medically prescribed appliances

  • Not covered

    Occupational therapy

  • Covered

    Optical

    $200 annual limit
    $150 per claim

  • Not covered

    Orthodontics

  • Covered

    Osteopathy

    $200 annual limit (Combined with Chiropractic)
    Initial consultation: $45 per claim
    Subsequent consultation: $35 per claim

  • Not covered

    Pharmaceutical benefits

  • Covered

    Physiotherapy (including hydrotherapy and myotherapy)

    $300 annual limit
    Initial consultation: $40 per claim
    Subsequent consultation: $30 per claim

  • Not covered

    Podiatry

  • Not covered

    Psychology

  • Not covered

    Speech therapy

  • Covered

    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 - Lite saver

Extras cover

Fixed amount back on Extras

Lite Saver:

  • Receive a fixed benefit amount on your extras treatments
  • Receive 50% back on all smile.com.au dental treatments

Up to your annual limits.

Waiting periods We will honour any waiting periods already served with your previous insurer.

2 months

All included treatments

What's covered

  • Covered Covered
  • Not covered Not covered

  • Covered

    Acupuncture

    $200 annual limit (Combined with Massage therapy, Physiotherapy, Chiropractic and Osteopathy)
    Initial consultation: $30 per claim
    Subsequent consultation: $20 per claim

  • Not covered

    Antenatal and postnatal

  • Not covered

    Audiology

  • Covered

    Chiropractic

    $200 annual limit (Combined with Massage therapy, Physiotherapy, Acupuncture and Osteopathy)
    Initial consultation: $35 per claim
    Subsequent consultation: $25 per claim

  • Covered

    Dental - General General dental includes consultations and examinations, diagnostic services (for example, x-rays), simple extractions, fillings and restorative services.

    $300 annual limit (Combined with Dental - Preventative)
    Smile.com.au dentist: 50% back
    Other providers: Fixed Amount

  • Covered

    Dental - Preventative Preventative dental includes oral examinations, removal of plaque, fluoride treatment, mouthguards and sealing of fissures.

    $300 annual limit (Combined with Dental - General)
    Smile.com.au dentist: 50% back
    Other providers: Fixed Amount

  • Not covered

    Dental - Major

  • Not covered

    Eye therapy

  • Not covered

    Hearing aids

  • Covered

    Massage therapy

    $200 annual limit (Combined with Acupuncture, Physiotherapy, Chiropractic and Osteopathy)
    Initial consultation: $30 per claim
    Subsequent consultation: $20 per claim

  • Not covered

    Medically prescribed appliances

  • Not covered

    Occupational therapy

  • Not covered

    Optical

  • Not covered

    Orthodontics

  • Covered

    Osteopathy

    $200 annual limit (Combined with Massage therapy, Physiotherapy, Chiropractic and Acupuncture)
    Initial consultation: $40 per claim
    Subsequent consultation: $30 per claim

  • Not covered

    Pharmaceutical benefits

  • Covered

    Physiotherapy (including hydrotherapy and myotherapy)

    $200 annual limit (Combined with Massage therapy, Acupuncture, Chiropractic and Osteopathy)
    Initial consultation: $40 per claim
    Subsequent consultation: $30 per claim

  • Not covered

    Podiatry

  • Not covered

    Psychology

  • Not covered

    Speech therapy

  • Not covered

    Wellness benefits

    • Extras calculated per person, per calendar year.