Your details

Price includes

  • 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 on selected products 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. The AIA Vitality fee is part of your premium whether the program is activated or not. To receive a quote without the 5% discount and Vitality fee, to opt out, or to purchase the product without AIA Vitality please call us on 1800 333 004

Wondering if I'm paying too much

Our Bronze, Bronze Plus and Silver products provide peace of mind by covering a range of services, such as joint reconstructions, endoscopy, cancer therapy and common procedures for young families.


Our Extras cover will also help with your out-of-Hospital needs, such as dental, physiotherapy and optical.

We're planning for pregnancy

Our top level of cover for growing families, covering you for pregnancy, birth and other reproductive services.

Our Enhanced Extras also covers your antenatal and post-natal classes.

Entry cover for tax purposes

You may reduce the tax you pay by having an eligible health insurance product. 


We are displaying Hospital-only and low-cost options, however you can browse our full range of products below.

What does it cost to cover the basics

Our Basic and Basic Plus products are suitable for young adults or those with active lifestyles seeking minimal cover, such as private hospital cover for accidents or select hospital treatments.


Our Bronze and Bronze Plus products cover a range of conditions for those looking for access to common services without the need for a more comprehensive cover. 


Our Extras cover will also help with your out-of-pocket needs, such as dental, physiotherapy and optical.

I'm upgrading my health insurance

Our Silver and Silver Plus products provide cover for a wide range of services, including cardiac, back, neck and spine and some more complex procedures.

Our Extras cover will also help with your out-of-Hospital needs, such as dental, physiotherapy and optical.


Select the product combination you are interested in

Need help?

Call 1800 333 004

Call us and one of our friendly staff will help you out.

(8am – 6pm AEST, Mon to Fri)