AIA Health Insurance
Silver Plus Family Hospital 750 and Best 70% Back Extras
AIA Health Insurance
How $682.92 is worked out
- Premium as filed - $899.98 a month (hospital share $684.23)
- Government rebate - 24.1% of the premium (never of the loading): -$217.06
- A month - $682.92
Go to insurer no commission on this policy
Hospital: what is covered
Covered (36)
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Palliative care
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Rehabilitation
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
Restricted (1)
- Hospital psychiatric services
Not covered (1)
- Weight loss surgery
Restricted means partially covered for hospital costs as a private patient in a public hospital; in a private room or private hospital you may face significant expenses.
Excess, waiting periods and hospital
- Tier - Silver Plus
- Hospital - Private or public hospital
- Excess - Capped per person and per policy per year. $750 per person a year. $750 per policy a year. No excess for dependants.
- Co-payments - None.
- Known gap - Yes, with the fund's doctors
- Age-based discount - Not offered
- Accident cover - Yes
- Travel and accommodation benefits - Yes
Waiting periods
- Most treatments - 2 months
- Existing conditions - 12 months
- Pregnancy and birth - 12 months
- Rehabilitation, psychiatric and palliative care - 2 months
As filed by the insurer: All policies include membership to AIA Vitality, the science-backed health and wellbeing program that rewards you for looking after your health. If you have held an AIA Health Insurance policy for a minimum of six months and have an AIA Vitality status of Silver or above, we will refund $500 of your excess (Excess Refund) if you’re admitted to hospital. Exclusions apply on some clinical categories.
Extras: what you get back
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| General dental * | 2 months | Check-up (item 012): 70% back; Scale and clean (item 114): 70% back; Fluoride treatment (item 121): 70% back | $1,000 per person a year |
| Major dental | 12 months | Tooth extraction (item 322): 70% back; Crown (item 615): 70% back | $1,000 per person a year (shared with other services) |
| Root canal | 12 months | Root canal (item 417): 70% back | $1,000 per person a year (shared with other services) |
| Braces | 12 months | Braces, upper and lower, with a retainer (item 881): 70% back | $800 per person a year, $3,200 lifetime |
| Glasses and contact lenses | 6 months | Single vision glasses: 100% back; Multifocal glasses: 100% back | $250 per person a year, $500 per policy a year |
| Prescriptions not on the PBS * | 2 months | Prescription: $40.00 | $300 per person a year (shared with other services) |
| Physiotherapy * | 2 months | First visit: 70% back; Follow-up visit: 70% back | $600 per person a year, $1,200 per policy a year (shared with other services) |
| Chiropractic * | 2 months | First visit: 70% back; Follow-up visit: 70% back | $400 per person a year, $800 per policy a year (shared with other services) |
| Podiatry | 2 months | First visit: 70% back; Follow-up visit: 70% back | $250 per person a year |
| Psychology | 2 months | First visit: 70% back; Follow-up visit: 70% back | $300 per person a year |
| Acupuncture | 2 months | First visit: 70% back; Follow-up visit: 70% back | $200 per person a year |
| Remedial massage | 2 months | First visit: 70% back; Follow-up visit: 70% back | $200 per person a year, $400 per policy a year |
| Hearing aids | 12 months | Hearing aid: 70% back | $400 per person a year, 1 service every 3 years |
| Blood glucose monitors * | 12 months | Blood: 70% back | $400 per person a year, 1 service every 3 years (shared with other services) |
| Audiology | 2 months | First visit: 70% back; Follow-up visit: 70% back | $200 per person a year |
| Antenatal and postnatal * | 2 months | First visit: 70% back; Follow-up visit: 70% back | $600 per person a year, $1,200 per policy a year (shared with other services) |
| Dietitian | 2 months | First visit: 70% back; Follow-up visit: 70% back | $350 per person a year |
| Exercise physiology | 2 months | First visit: 70% back | $600 per person a year, $1,200 per policy a year (shared with other services) |
| Eye therapy (orthoptics) | 2 months | First visit: 70% back; Follow-up visit: 70% back | $200 per person a year |
| Health management programs | 2 months | Benefit: 70% back | $200 per person a year |
| Occupational therapy | 2 months | First visit: 70% back; Follow-up visit: 70% back | $200 per person a year |
| Orthotics | 2 months | Benefit: 70% back | $400 per person a year, 1 service every 3 years (shared with other services) |
| Osteopathy * | 2 months | First visit: 70% back; Follow-up visit: 70% back | $400 per person a year, $800 per policy a year (shared with other services) |
| Speech therapy | 2 months | First visit: 70% back; Follow-up visit: 70% back | $200 per person a year |
| Vaccinations * | 2 months | Vaccination: $40.00 | $300 per person a year (shared with other services) |
Not covered: Chinese herbal medicine, Home nursing.
* General and Preventative Dental are combined under one limit. Physiotherapy, Myotherapy, Hydrotherapy and Ante-natal/Post-natal Classes share an annual limit. Chiropractic and Osteopathy share an annual limit. Medically Prescribed Appliances, Orthotics and Blood Glucose Monitors share a limit. Non PBS pharmaceuticals pays back up to $40 per script after the current PBS amount is deducted; vaccinations fall under this Pharmacy limit. This policy also provides access to AIA Vitality where you can earn rewards for leading a healthy lifestyle. By reaching Silver Vitality Status or above you can get an additional 10% back on any non-dental benefits. www.aiavitality.com.au
Other services, as filed: Swimming lessons are covered under this policy - Benefit Limit $200 per person, per year. Smoking cessation services are covered under this policy - Benefit Limit $150 per person, per year. Psychology benefit includes counselling services.
Ambulance
Emergency ambulance. Call-out fees covered. Waiting period for emergency transport: 1 day. No limit on emergency transport.
Agreement hospitals in Tasmania
AIA Health Insurance has agreements with 13 private hospitals here, as filed with the Ombudsman.
The list
- Calvary - St John's Hospital - South Hobart
- Calvary - St Vincent's Hospital - Launceston
- Devonport Eye Hospital - Devonport (day hospital)
- Hobart Day Surgery - Hobart (day hospital)
- Hobart Private Hospital - Hobart
- Hobart Specialist Day Hospital - Hobart (day hospital)
- Icon Cancer Centre Hobart - Hobart (day hospital)
- North Tas Day Hospital - Launceston (day hospital)
- North West Private Hospital (Tas) - Burnie
- Specialist Care Australia Launceston - Launceston (day hospital)
- Specialist Care Australia Ulverstone - Ulverstone (day hospital)
- The Eye Hospital - Launceston (day hospital)
- The Hobart Clinic - Rokeby
This policy's other options
Every state, household and excess the insurer filed for this policy, with the premium before the rebate.
Member retention (hospital cover)
84.0% is the Commonwealth Ombudsman's figure for AIA Health in its State of the Health Funds Report 2024-25 (Table 1, page 15; data at 30 June 2025).
The Ombudsman describes it as one measure of the comparative effectiveness of insurers and of their level of member satisfaction: the percentage of members, hospital memberships only, who have remained with the insurer for 2 years or more (page 12). It is published for the insurer, not for this policy, and is not adjusted for policies that lapse when a member dies. The Ombudsman cautions that no single indicator shows an insurer's overall performance (page 27).
It is shown as published. The list is not sorted, filtered or ranked by it.
Member retention is the Commonwealth Ombudsman's figure, from its State of the Health Funds Report 2024-25. Source: Licensed from the Commonwealth Ombudsman under a Creative Commons 4.0 licence. This report is available from the Commonwealth Ombudsman website at www.ombudsman.gov.au.
Where this comes from
Policy details come from the PrivateHealth.gov.au dataset published by the Private Health Insurance Ombudsman on data.gov.au (release of 1 Oct 2026), licensed under Creative Commons Attribution 3.0 Australia. Statement J41A/NYDA1D, filed by AIA Health Insurance Pty Ltd, issued 1 Apr 2026.
† Monthly premium: the premium the insurer filed with the Private Health Insurance Ombudsman for this state, household and excess, before the Australian Government rebate. Answer the income and age questions and every figure becomes the premium after your rebate, with any Lifetime Health Cover loading added to the hospital share (the rebate never applies to the loading) and the age-based discount taken off it where the policy offers one. Insurers may quote a different payment frequency and round each step; check the figure with the insurer before you join.
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