New member offer!
Get up to 9 weeks premium cashback when you join AIA Health by 30 April 2026*.
Take out an eligible policy by 30 April 2026 and you’ll get up to 9 weeks premium cashback on your health insurance over your first 2 years. *Get up to 9 weeks free on eligible combined Hospital & Extras products and up to 4 weeks free on eligible Hospital only products. T&Cs apply.
View terms and conditionsAward Winning Health Insurance
ProductReview.com.au's best health insurer 2022, 2023, 2024, 2025 and 2026.
All our members can gain access to AIA Vitality
AIA Vitality is a personalised, science-backed health and wellbeing program that supports you every day to make healthier lifestyle choices. The program incentivises you to know your health, improve your health and get rewarded with discounts and cashbacks on great partners and more.
Depending on your cover, you’ll get access to AIA Vitality or AIA Vitality Starter. You can earn Points to move your AIA Vitality Status from Bronze to Silver, through to Gold and Platinum. The higher your status, the higher the rewards.
You can also get
AIA Vitality Premium Rewards
Earn up to $240 off your health insurance*.
Extras boost
Get an additional 10% back on non-dental Extras.
$500 Shopping vouchers
Earn up to $500 a year in retail vouchers.
Get more from your health insurance
No Gap Dental
100% back on dental checks, cleans, fluoride treatment and mouthguards at smile.com.au dentists.
Optical savings
We’ve partnered with Australia’s largest optical retailers to give members access to discounted products.
Cancer Coach program
All products include access to CancerAid’s Cancer Coach program at no extra cost.
Finding the right cover comes down to what you need
At AIA Health, we strive to simplify insurance while giving you the ability to tailor your policy. Customise your cover and maximise the benefits so you can spend more time doing the things that matter most to you.
Hospital Only
Cover your treatment in a private or public hospital and help you avoid lengthy waiting periods.
Hospital & Extras
Includes hospital cover and additional extras. Helping you prepare for life’s unexpected moments.
We will help you find the right cover
Learn more about Health Insurance
What is Hospital cover?
Hospital cover helps to cover the cost of treatment you receive in hospital. Each level of AIA Health Insurance Hospital Cover (from Basic to Gold) is differentiated by the list of treatments that are included. For example, cover to be treated in a Private Hospital for pregnancy is only available on our Silver Plus Family Hospital and Gold Hospital cover.
What is Extras cover - and should I take this out too?
Extras cover is for treatments that do not take place in a hospital, like visits to the dentist, physiotherapy or optical services. AIA Health Insurance Extras cover can only be taken with Hospital cover. The types of services you can claim under your Extras cover will depend on the level of cover you take out.
What is the Medicare Levy Surcharge (MLS)?
The MLS is simply an extra tax that people above a certain income threshold have to pay if they don't have eligible private hospital cover. It's calculated in three tiers for singles and couples/families.
What is a waiting period?
A waiting period is the time between joining or upgrading your level of cover and the date from which you're allowed to start claiming. Waiting periods exist for all services within both hospital and extras covers.