AIA Health Insurance
Base 55% Back Extras Only
AIA Health Insurance
How $80.28 is worked out
- Premium as filed - $105.80 a month
- Government rebate - 24.1% of the premium (never of the loading): -$25.52
- A month - $80.28
Go to insurer no commission on this policy
Extras: what you get back
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| General dental * | 2 months | Check-up (item 012): 55% back; Scale and clean (item 114): 55% back; Fluoride treatment (item 121): 55% back | $500 per person a year |
| Glasses and contact lenses | 6 months | Single vision glasses: 100% back; Multifocal glasses: 100% back | $150 per person a year, $450 per policy a year |
| Physiotherapy * | 2 months | First visit: 55% back; Follow-up visit: 55% back | $300 per person a year, $900 per policy a year (shared with other services) |
| Chiropractic * | 2 months | First visit: 55% back; Follow-up visit: 55% back | $300 per person a year, $900 per policy a year (shared with other services) |
| Psychology | 2 months | First visit: 55% back; Follow-up visit: 55% back | $150 per person a year |
| Acupuncture * | 2 months | First visit: 55% back; Follow-up visit: 55% back | $100 per person a year, $300 per policy a year (shared with other services) |
| Remedial massage * | 2 months | First visit: 55% back; Follow-up visit: 55% back | $100 per person a year, $300 per policy a year (shared with other services) |
| Dietitian | 2 months | First visit: 55% back; Follow-up visit: 55% back | $100 per person a year |
| Exercise physiology | 2 months | First visit: 55% back; Follow-up visit: 55% back | $300 per person a year, $900 per policy a year (shared with other services) |
| Health management programs | 2 months | Benefit: 55% back | $150 per person a year |
| Osteopathy * | 2 months | First visit: 55% back; Follow-up visit: 55% back | $300 per person a year, $900 per policy a year (shared with other services) |
Not covered: Major dental, Root canal, Braces, Prescriptions not on the PBS, Podiatry, Hearing aids, Blood glucose monitors, Audiology, Antenatal and postnatal, Chinese herbal medicine, Eye therapy (orthoptics), Home nursing, Occupational therapy, Orthotics, Speech therapy, Vaccinations.
* No Gap Dental is available on eligible preventative dental services if you have served the two-month waiting period and use a smile.com.au dentist. A fixed benefit is paid on included dental services when using a non-smile.com.au dentist. The annual limit for Physiotherapy is shared with Chiropractic, Exercise Physiology and Osteopathy. The annual limit for Acupuncture is shared with Remedial Massage.
A Family Limit of 3 times the annual per person limit applies to Optical, Physiotherapy, Chiropractic, Osteopathy, Acupuncture and Remedial Massage services.
Ambulance
No ambulance cover.
This policy's other options
Every state, household and excess the insurer filed for this policy, with the premium before the rebate.
| State | Who is covered | Excess | A month, as filed |
|---|---|---|---|
| Every state | Me and my partner | None | $92.00 |
| Every state | My family | None | $105.80 |
| Every state | Just me | None | $46.00 |
| Every state | Me and my children | None | $78.20 |
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 I12/ABDAM2D, 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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