AIA Health Insurance
Basic Accident Only Hospital 750 and Base 50% Back Extras
AIA Health Insurance
How $237.97 is worked out
- Premium as filed - $313.61 a month (hospital share $232.44)
- Government rebate - 24.1% of the premium (never of the loading): -$75.64
- A month - $237.97
Go to insurer no commission on this policy
Hospital: what is covered
Covered (0)
Restricted (3)
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Not covered (35)
- 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
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- 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 - Basic
- Hospital - Private or public hospital
- Excess - Capped per person and per policy per year. $750 per person a year. $1,500 per policy a year. No excess for dependants.
- Co-payments - None.
- Known gap - Yes, with the fund's doctors
- Age-based discount - Offered for 18 to 29 year olds
- Accident cover - Yes
- Travel and accommodation benefits - No
Waiting periods
- Most treatments - 2 months
- Existing conditions - 12 months
- Rehabilitation, psychiatric and palliative care - 2 months
As filed by the insurer: All policies include membership to AIA Vitality Starter, 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) in the event that you’re admitted to hospital.
Extras: what you get back
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| General dental * | 2 months | Check-up (item 012): 50% back; Scale and clean (item 114): 50% back; Fluoride treatment (item 121): 50% 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, $300 per policy a year |
| Physiotherapy * | 2 months | First visit: 50% back; Follow-up visit: 50% back | $250 per person a year, $500 per policy a year (shared with other services) |
| Chiropractic | 2 months | First visit: 50% back; Follow-up visit: 50% back | $250 per person a year, $500 per policy a year (shared with other services) |
| Psychology | 2 months | First visit: 50% back | $100 per person a year |
| Acupuncture | 2 months | First visit: 50% back; Follow-up visit: 50% back | $100 per person a year, $200 per policy a year (shared with other services) |
| Remedial massage | 2 months | First visit: 50% back; Follow-up visit: 50% back | $100 per person a year, $200 per policy a year (shared with other services) |
| Dietitian | 2 months | First visit: 50% back | $100 per person a year |
| Exercise physiology | 2 months | First visit: 50% back | $250 per person a year, $500 per policy a year (shared with other services) |
| Health management programs | 2 months | Benefit: 50% back | $100 per person a year |
| Osteopathy | 2 months | First visit: 50% back; Follow-up visit: $50.00 | $250 per person a year, $500 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.
* General and Preventative Dental are combined under one limit. Physiotherapy, Hydrotherapy & Myotherapy share an annual 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. Visit www.aiavitality.com.au for more information.
Other services, as filed: 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 ACT
AIA Health Insurance has agreements with 12 private hospitals here, as filed with the Ombudsman.
The list
- ACT Endoscopy - Deakin (day hospital)
- Barton Private Hospital - Barton
- Brindabella Endoscopy Centre - Garran (day hospital)
- Calvary Bruce Private Hospital - Bruce
- Calvary John James Hospital - Deakin
- Canberra Imaging Group - Deakin (day hospital)
- Canberra Microsurgery - Phillip (day hospital)
- Canberra Private Hospital - Deakin
- Canberra Surgicentre - Braddon (day hospital)
- Icon Cancer Centre Canberra - Bruce (day hospital)
- Mugga Wara Endoscopy Centre - Deakin (day hospital)
- National Capital Private Hospital - Garran
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 J68A/SWDU2D, 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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