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AIA Health Insurance Protects and Rewards

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Anneke Van Aswegen Updated: 22 June 2020
Types of Health Insurance

If you’re looking to switch health insurance policies or buying cover for the first time, you might have heard about the newly launched AIA Health Insurance company.

AIA Health Insurance offers a suite of health insurance products, including seven Hospital and four Extras policies. The company aims to help Australians live healthier, longer lives by providing all members access to the world-renowned AIA Vitality program. Customers also receive multiple discount opportunities on eligible AIA Priority Protection products purchased through a broker.

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About AIA private health insurance

Health insurance with AIA Vitality officially launched 16 March 2020 and replaces the myOwn product which ceased being on sale from 6 March 2020. The insurer operates on a for-profit basis and is issued by MO Health Pty Ltd.

Should you join before 30 April 2020, you’ll be eligible for an e-gift card valued up to $400 for couples and families purchasing a Combined policy and $200 for singles and single parents purchasing a Combined policy. The gift card can be used at Woolworths, rebel or Meyer.

AIA Health Insurance plans

Health insurance policies from AIA provides you protection with a wide range of Hospital and Extras options. The company offers many benefits but also has its drawbacks.

AIA Vitality health insurance – Pros

AIA Health Insurance Australia– Cons

Possible disadvantages of health insurance from AIA includes that ambulance-only policies are not available for purchase and Extras can’t be purchased separately but must be combined with Hospital insurance. As with all health funds, AIA private health insurance requires you to serve waiting periods for services and treatments.

Waiting periods

AIA Hospital insurance

Pays for in-hospital treatment and services. Depending on which of the 7 Hospital options you choose, you generally have the choice between a $500 or $750 Excess. The higher your Excess, the lower your premium will usually be.

Basic Hospital

Basic Hospital insurance offers minimal coverage at a very affordable price. These options might be suitable to young, healthy individuals who only want emergency ambulance cover and to be treated in a private hospital for accidents.

Basic Hospital Accident Basic Plus Hospital Starter
$500 Excess $750 Excess
  • Private hospital cover for accidents only
  • Emergency ambulance cover
  • Private hospital cover for accidents only
  • Emergency ambulance cover
  • Dental surgery
  • Joint reconstruction
  • Hernia and appendix
  • Tonsils, adenoids and grommets
Restricted benefits for:
  • Hospital psychiatry
  • Palliative care
  • Rehabilitation
Restricted benefits for:
  • Hospital psychiatry
  • Palliative care
  • Rehabilitation

Source: AIA Health Insurance website (March 2020)

Bronze Hospital

Bonze Hospital insurance provides medium coverage at a reasonable price. It includes everything listed in a Basic policy as well as some common in-hospital procedures.

Bronze Hospital Essential Bronze Plus Hospital Everyday
Choice between $500 and $750 Excess Choice between $500 and $750 Excess
  • Bone, joint and muscle
  • Joint reconstruction
  • Eyes
  • Skin
  • Digestive system
  • Gastrointestinal endoscopy
  • Kidney and bladder
  • Ear, nose and throat
  • Hernia and appendix
  • Tonsils, adenoids and grommets
  • Gynaecology
  • Pregnancy termination and miscarriage
  • Male reproductive system
  • Medically necessary breast surgery
  • Cancer treatments
  • Diabetes management
  • Brain and nervous system
  • Bone, joint and muscle
  • Joint reconstruction
  • Eyes
  • Skin
  • Digestive system
  • Gastrointestinal endoscopy
  • Kidney and bladder
  • Ear, nose and throat
  • Hernia and appendix
  • Tonsils, adenoids and grommets
  • Gynaecology
  • Pregnancy termination and miscarriage
  • Male reproductive system
  • Medically necessary breast surgery
  • Cancer treatments
  • Diabetes management
  • Brain and nervous system
  • Blood
  • Dental surgery
  • Lung and chest
  • Medically necessary plastic and reconstructive surgery
Restricted benefits for:
  • Hospital psychiatry
  • Palliative care
  • Rehabilitation
Restricted benefits for:
  • Hospital psychiatry
  • Palliative care
  • Rehabilitation

Source: AIA Health Insurance website (March 2020)

Silver Hospital

A high level of coverage that provides benefits for a wide range of common procedures and specialised services. It includes all the services listed in the Bronze Plus Everyday policy along with procedures generally required by senior Australians.

Silver Hospital Classic Silver Plus Hospital Advantage
Choice between $500 and $750 Excess Choice between $500 and $750 Excess
  • Hearth and Vascular system
  • Implantation of hearing devices
  • Pain management
  • Podiatric surgery that’s performed by a registered podiatric surgeon
  • Back, neck and spine
  • Hearth and Vascular system
  • Implantation of hearing devices
  • Pain management
  • Podiatric surgery that’s performed by a registered podiatric surgeon
  • Back, neck and spine
  • Pain management with devices
  • Palliative care
  • Rehabilitation
  • Joint replacement
  • Cataracts
  • Dialysis of chronic kidney failure
  • Insulin pumps
  • Sleep studies
  • Travel and accommodation
Restricted benefits for:
  • Hospital psychiatry
  • Palliative care
  • Rehabilitation
Restricted benefits for:
  • Hospital psychiatry

Source: AIA Health Insurance website (March 2020)

Gold Hospital Ultimate

This cover option is AIA Health Insurance’s most comprehensive Hospital policy that includes everything listed in the Silver Plus Hospital Advantage, as well as benefits specifically designed for those starting or growing their family.

Health Insurance Quotes

  • Reduce out-of-pocket expenses
  • Keep your family healthy
  • Easy and convenient
  • Free to use

Want to talk to a specialist? Call 1300 743 254

AIA Extras

AIA private health insurance does not sell Extras cover separately; it must be purchased with a Hospital policy. With Basic and Bronze Hospital insurance, you can choose between a Lite or Standard Extras policy. If you have a Silver and Gold Hospital policy, you can add any of the 4 Extras cover options below.

Lite Extras and Standard Extras

Receive up to 60% back on Extras up to your annual limit.

Lite Extras Standard Extras
  • General and preventative dental
  • Optical
  • Physiotherapy
  • Wellness benefits
  • General and preventative dental
  • Optical
  • Physiotherapy
  • Wellness benefits
  • Major dental
  • Physiotherapy
  • Chiropractic
  • Osteopathy
  • Acupuncture
  • Massage therapy

Source: AIA Health Insurance website (March 2020)

Lifestyle Extras and Enhanced Extras

Get up to 70% back on benefits with Lifestyle Extras and up to 80% back with Enhanced Extras. Both options include all the benefits listed in the Standard Extras policy with higher annual limits, but also offers additional benefits that might be suited to senior Australians and those planning on getting pregnant.

Lifestyle Extras Enhanced Extras
  • Hearing aids
  • Medically prescribed appliances
  • Orthodontics
  • Pharmaceutical benefits
  • Podiatry
  • Psychology
  • Hearing aids
  • Medically prescribed appliances
  • Orthodontics
  • Pharmaceutical benefits
  • Podiatry
  • Psychology
  • Antenatal and postnatal
  • Audiology
  • Eye therapy
  • Occupational therapy
  • Speech therapy

Source: AIA Health Insurance website (March 2020)

How to claim health insurance from AIA

For Hospital claims, the hospital will send your bill directly to the insurer for payment. You can generally claim Extras by using your HICAPs card at registered providers. Alternatively, general treatments can be claimed online via the Online Membership Service portal or email. You can also post your claim forms. The AIA Health Insurance claim form can be downloaded from the AIA website.

Frequently asked questions

  • How to get an AIA health insurance quote?

    You can request an AIA Health Insurance quote by completing the quote form at the top of this page. A specialist will give you a call to help you choose a policy that meets your requirements and budget. Alternatively, you can request a quote directly from AIA by visiting their website, after which one of their financial advisers will contact you.
  • Who owns AIA Health Insurance?

    Hospital and Extras policies from AIA are issued by MO Health Pty Ltd, which is an APRA-approved private health fund and thus governed by the Private Health Insurance Act 2007.
  • Does AIA Health provide ambulance cover?

    Yes, unlimited emergency ambulance services are available with Hospital and Combine policies. However, call-out fees will not be paid. Ambulance-only cover is not available for purchase.
  • Is AIA Health Insurance good?

    Whether purchasing health insurance from AIA is a good option for you depends on your specific requirements, including your health, family dynamic, the state you live in and what you can afford. You might want to compare an AIA Health Insurance quote with other major health brands in Australia.
  • Can you get AIA Health Insurance for foreigners?

    As of March 2020, AIA Vitality health insurance does not offer Visa health insurance policy options.
  • How to terminate your AIA Health Insurance policy?

    You can cancel your health insurance with AIA by visiting their website and requesting a termination via their ‘Contact Us form,’ or call them directly on 1800 333 004.

Health Insurance Quotes

  • Reduce out-of-pocket expenses
  • Keep your family healthy
  • Easy and convenient
  • Free to use

Want to talk to a specialist? Call 1300 743 254

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