AIA Health Insurance
Basic Accident Only Hospital 750 and Base Set Extras (with Optical)
AIA Health Insurance
How $179.38 is worked out
- Premium as filed - $236.39 a month (hospital share $197.58)
- Government rebate - 24.1% of the premium (never of the loading): -$57.01
- A month - $179.38
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. $750 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): $29.00; Scale and clean (item 114): $50.00; Fluoride treatment (item 121): $22.00 | $400 per person a year |
| Glasses and contact lenses | 6 months | Single vision glasses: 100% back | $100 per person a year, $200 per policy a year |
| Physiotherapy | 2 months | First visit: $40.00; Follow-up visit: $30.00 | $300 per person a year, $600 per policy a year (shared with other services) |
| Chiropractic | 2 months | First visit: $35.00; Follow-up visit: $25.00 | $300 per person a year, $600 per policy a year (shared with other services) |
| Psychology | 2 months | First visit: $50.00; Follow-up visit: $25.00 | $100 per person a year |
| Acupuncture | 2 months | First visit: $30.00; Follow-up visit: $20.00 | $300 per person a year, $600 per policy a year (shared with other services) |
| Remedial massage | 2 months | First visit: $30.00; Follow-up visit: $20.00 | $300 per person a year, $600 per policy a year (shared with other services) |
| Dietitian | 2 months | First visit: $40.00 | $100 per person a year |
| Exercise physiology | 2 months | First visit: $40.00; Follow-up visit: $30.00 | $300 per person a year, $600 per policy a year (shared with other services) |
| Health management programs | 2 months | Benefit: $50.00 | $100 per person a year |
| Osteopathy | 2 months | First visit: $40.00; Follow-up visit: $30.00 | $300 per person a year, $600 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.
Other services, as filed: Psychology benefit also includes cover for counselling services.
Ambulance
Emergency ambulance. Call-out fees covered. Waiting period for emergency transport: 1 day. No limit on emergency transport.
Agreement hospitals in Queensland
AIA Health Insurance has agreements with 97 private hospitals here, as filed with the Ombudsman.
The list
- B.Braun Morayfield Renal Care Centre - Morayfield (day hospital)
- Belmont Private Hospital - Carina
- Brisbane Day Surgery - Spring Hill (day hospital)
- Brisbane Endoscopy Service - Sunnybank (day hospital)
- Brisbane Private Hospital - Brisbane
- Brisbane South Private Hospital - Springwood (day hospital)
- Buderim Gastroenterology Centre - Maroochydore (day hospital)
- Buderim Private Hospital - Buderim
- Bundaberg Private Day Hospital - Kensington (day hospital)
- Caboolture Private Hospital - Caboolture
- Cairns Private Hospital - Cairns
- Canossa Private Hospital - Oxley
- Chermside Day Hospital - Chermside (day hospital)
- Chermside Dialysis Clinic - Chermside (day hospital)
- Currumbin Clinic - Currumbin
- Eastern Endoscopy Centre - Birkdale (day hospital)
- Eden Private Hospital - Cooroy
- Eye-Tech Day Surgeries - Spring Hill (day hospital)
- Eye-Tech Day Surgeries Southside - Upper Mount Gravatt (day hospital)
- FMC Dialysis Clinic North Lakes - North Lakes (day hospital)
- Far North Day Hospital - Cairns (day hospital)
- Friendly Society Private Hospital - Bundaberg West
- Gold Coast Eye Hospital - Robina Town Centre (day hospital)
- Gold Coast Private Hospital - Southport
- Greenslopes Private Hospital - Greenslopes
- Hervey Bay Surgical Hospital - Pialba
- Hillcrest - Rockhampton Private Hospital - Rockhampton
- Icon Cancer Centre Chermside - Chermside (day hospital)
- Icon Cancer Centre Mackay - Mackay (day hospital)
- Icon Cancer Centre North Lakes - North Lakes (day hospital)
- Icon Cancer Centre South Brisbane - South Brisbane (day hospital)
- Icon Cancer Centre Southport - Southport (day hospital)
- Icon Cancer Centre Townsville - Hyde Park (day hospital)
- Icon Cancer Centre Wesley - Auchenflower (day hospital)
- Ipswich Day Hospital - Ipswich (day hospital)
- John Flynn Private Hospital - Tugun
- Kawana Private Hospital - Birtinya
- Lady Bjelke-Petersen Community Hospital - Kingaroy
- Logan Endoscopy Services - Browns Plains (day hospital)
- Mackay Private Hospital - Mount Pleasant
- Mackay Specialist Day Hospital - North Mackay (day hospital)
- Mater Private Day Hospital Brookwater - Brookwater (day hospital)
- Mater Private Hospital (South Brisbane) - South Brisbane
- Mater Private Hospital Bundaberg - Bundaberg
- Mater Private Hospital Mackay - North Mackay
- Mater Private Hospital Mackay (Wellington Street Campus) - Mackay (day hospital)
- Mater Private Hospital Redland - Cleveland
- Mater Private Hospital Rockhampton - Rockhampton
- Mater Private Hospital Springfield - Springfield Central
- Mater Private Hospital Townsville - Pimlico
- Mater Private Hospital Townsville (Hyde Park Campus) - Hyde Park
- Mater Women's & Children's Private Health Services - South Brisbane
- Moreton Day Hospital - North Lakes (day hospital)
- Nambour Selangor Private Hospital - Nambour
- Noosa Hospital - Noosaville
- North Lakes Day Hospital - North Lakes (day hospital)
- North Queensland Day Surgical Centre - Pimlico (day hospital)
- North West Private Hospital (Qld) - Everton Park
- Pacific Day Surgery Centre - Fortitude Valley (day hospital)
- Pacific Private Hospital - Southport
- Peninsula Private Hospital (Qld) - Kippa-Ring
- Pindara Day Procedure Centre - Benowa (day hospital)
- Pindara Private Hospital - Benowa
- Pine Rivers Private Hospital - Strathpine
- Ramsay Clinic Cairns - North Cairns
- Ramsay Clinic Caloundra - Caloundra
- Ramsay Clinic New Farm - New Farm
- Ramsay Surgical Centre Cairns - Cairns (day hospital)
- RiverCity Private Hospital - Auchenflower (day hospital)
- Robina Private Hospital - Robina
- Roderick Street Day Surgery - Ipswich (day hospital)
- Short Street Day Surgery - Southport (day hospital)
- South Brisbane Day Hospital - Woolloongabba (day hospital)
- Southside Endoscopy Centre - Springwood (day hospital)
- Spring Hill Specialist Day Hospital - Spring Hill (day hospital)
- St Andrew's Ipswich Private Hospital - Ipswich
- St Andrew's Toowoomba Hospital - Toowoomba
- St Andrew's War Memorial Hospital - Spring Hill
- St Stephen's Hospital Hervey Bay - Urraween
- St Vincent's Private Hospital Brisbane - Kangaroo Point
- St Vincent's Private Hospital Northside - Chermside
- St Vincent's Private Hospital Toowoomba - Toowoomba
- Sunnybank Private Hospital - Sunnybank
- Sunshine Coast Day Surgery - Maroochydore (day hospital)
- Sunshine Coast Haematology and Oncology Clinic - Buderim (day hospital)
- Sunshine Coast University Private Hospital - Birtinya
- Tasman Health Care Day Infusion Unit - Southport (day hospital)
- The Southport Private Hospital - Southport
- The Wesley Hospital - Auchenflower
- Toowoomba Private Day Hospital - Toowoomba (day hospital)
- Toowoomba Surgicentre - Toowoomba (day hospital)
- Townsville Day Surgery - Townsville (day hospital)
- Townsville Private Clinic - Townsville City
- Vision Centre Day Surgery - Southport (day hospital)
- Wesley Hyperbaric - Auchenflower (day hospital)
- Westside Haematology And Oncology Clinic - Taringa (day hospital)
- Westside Private Hospital - Taringa
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 J10A/SWIF1D, 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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