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2022 AIA Health Insurance Review

Megan Fraser Updated: 10 May 2022
Types of Health Insurance

Thinking about taking out health insurance? With so many companies to choose from, it can be complicated to discover which may be the best for your individual health requirements. One of the leading health insurance companies in Australia is AIA Australia. This insurer offers a range of health insurance policies to suit everyone, no matter your needs or budget. Plus, you can enjoy better healthcare and a healthier lifestyle with their many discounts and rewards while getting the coverage you need.

aia logo thumbnail

With AIA Australia, you’ll have the option to choose between 7 different Hospital plans and an assortment of combined Hospital and Extras policies. Plus, the emergency Ambulance coverage will give you peace of mind in case of an emergency. We’ll reveal the many benefits and considerations included when purchasing private health insurance from AIA Australia.

AIA Health Insurance Quote

Call 1300 795 560
  • Earn AIA Vitality Discounts
  • Affordable Hospital Cover Options
  • Up to 70% back on most Extras

What does AIA offer?

The insurance company AIA Health gives Australians the opportunity to live healthier, longer lives by providing all members with quality private health insurance and access to world-renowned programs like AIA Vitality. Customers also receive multiple discount opportunities on eligible products purchased through a broker – including seven Hospitals and four Extras policies.

About AIA

AIA Australia is a health insurance provider. Under AIA Australia, the launch of AIA Vitality on 16 March 2020 replaced the original myOwn product. This insurer operates as a for-profit business and is part of the AIA Group, the largest independent publicly listed pan-Asian life insurance group.  They focus on encouraging improved fitness levels and overall well-being through their rewards programme that benefits customers for successfully completing wellness tasks.

Pros and Cons of this insurer

Advantages

  • It offers attractive and budget-friendly Hospital and Extras coverage, all of which include ambulance cover.
  • Customers receive access to the acclaimed AIA Vitality rewards programme, which grants benefits for completing various health-based tasks. Rewards include discounts on gym memberships and plane tickets.
  • With their unique Extras Value Protect offering, you can get up to 100% back on your Extras premium.

Disadvantages

  • No ambulance only cover is offered.
  • You can only purchase Extras coverage if you take out a combined Hospital policy.
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Compare Hospital policies

The cost of AIA Hospital policies generally range sits between $100 and just below $400, depending on your level of coverage. All policies include ambulance cover, with basic Hospital policies accounting for emergency injuries and ear, nose, and throat services, and Extras policies accounting for general dental and optical services.

Basic Hospital Accident

Price per month: $104.43

Benefits

  • Covers private hospital treatment for accidental injuries only.
  • Emergency transport in an ambulance.

Restrictions

  • Psychiatric
  • Palliative care
  • Rehabilitation

Basic Plus Hospital Starter

Price per month: $111.84

Benefits

  • Joint reconstruction
  • Ear, nose and throat
  • Gynaecology
  • Male reproductive service
  • Tonsils, adenoids and grommets
  • Kidney and bladder

Restrictions

  • Psychiatric
  • Palliative care
  • Rehabilitation

Bronze Hospital Essential

Price per month: $122.61

Benefits

  • Joint reconstruction
  • Cancer treatment
  • Appendix removal
  • Hernia investigation and treatment
  • Ear, nose and throat
  • Gynaecology
  • Male reproductive service
  • Tonsils, adenoids and grommets
  • Kidney and bladder

Restrictions

  • Psychiatric
  • Palliative care
  • Rehabilitation

Bronze Plus Hospital Everyday

Price per month: $130.41

Benefits

  • Everything in the Bronze Essential
  • Dental surgery
  • Medically necessary plastic and reconstructive surgery
  • Blood
  • Lunch and chest

Restrictions

  • Psychiatric
  • Palliative care

Silver Hospital Classic

Price per month: $155.30

Benefits

  • Everything in the Bronze Plus
  • Rehabilitation
  • Back, neck and spine
  • Heart and vascular system
  • Implantation of hearing devices
  • Podiatric surgery

Restrictions

  • Psychiatric

Silver Plus Hospital Advantage

Price per month: $226.14

Benefits

  • Everything in the Silver Classic
  • Palliative care
  • Cataracts
  • Dialysis for chronic kidney failure
  • Insulin pumps
  • Pain management with device
  • Pregnancy & birth-related services
  • Assisted reproductive services, like IVF
  • Weight loss surgery
  • Sleep studies

Restrictions

  • Psychiatric

Silver Plus Hospital Ultimate

Price per month: $248.84

Benefits

  • Everything in Silver Plus Enhanced
  • Hospital psychiatric services

Restrictions

  • None

Compare Extras policies

Extras policies from AIA health insurance cover customers for healthcare services performed outside of a hospital, which includes dental and optical services. It’s important to note that AIA Australia does not offer standalone Extras policies. Customers will need to buy a combined policy in order to gain the benefits offered through the Extras coverage.

Life Saver Extras

Benefits

  • Physiotherapy
  • General dental
  • Chiropractic
  • Acupuncture
  • Remedial massage
  • Osteopathy

Restrictions

  • Blood glucose monitors
  • Non-PBS pharmaceuticals
  • Psychology Endodontic Optical
  • Hearing aids Orthodontic
  • Major dental
  • Podiatry

Lite Extras

Benefits

  • General Dental
  • Optical
  • Physiotherapy
  • Dietetics/dietary advice
  • Health management

Restrictions

  • Acupuncture
  • Hearing aids
  • Podiatry
  • Blood glucose monitors
  • Major dental
  • Psychology
  • Chiropractic
  • Non-PBS pharmaceuticals
  • Remedial massage
  • Endodontic
  • Orthodontic

Saver Extras

Benefits

  • General Dental
  • Major Dental
  • Endodontic
  • Orthodontic
  • Optical
  • Physiotherapy
  • Chiropractic
  • Acupuncture
  • Osteopathy

Restrictions

  • Blood glucose monitors
  • Orthodontic
  • Hearing aids
  • Podiatry
  • Non-PBS pharmaceuticals
  • Psychology

Standard Extras

Benefits

  • General Dental
  • Major Dental
  • Endodontic
  • Optical
  • Physiotherapy
  • Chiropractic
  • Acupuncture
  • Osteopathy

Restrictions

  • Blood glucose monitors
  • Orthodontic
  • Hearing aids
  • Podiatry
  • Non-PBS pharmaceuticals
  • Psychology

Lifestyle Extras

Benefits

  • General Dental
  • Major Dental
  • Endodontic
  • Orthodontic
  • Optical
  • Non-PBS pharmaceuticals
  • Physiotherapy
  • Chiropractic
  • Podiatry
  • Psychology
  • Acupuncture
  • Remedial massage
  • Hearing aids
  • Blood glucose monitor
  • Dietetics/dietary advice
  • Health management / Healthy lifestyle
  • Orthotics
  • Osteopathy
  • Vaccinations
  • Swimming Lessons are covered under this policy – Benefit Limit is $100 per person, per year. Smoking Cessation services are covered under this policy – Benefit Limit is $100 per person, per year.

Restrictions

  • None

Combined policies from AIA

With AIA Vitality, you can purchase combined policies, which cover you for both in-hospital and out of hospital treatments and services. You can choose from a wide range of policy levels, including a Basic Hospital cover and Lite Extras policy, a Gold Hospital cover and a Standard Extras policy, or switch it up entirely and opt for a Silver Hospital cover and a Lifestyle Extras policy.

The benefit of this is that you can craft your own policy to suit your individual and family health requirements. All policies include ambulance coverage, so you will be covered for emergencies no matter what level of coverage you choose. However, you cannot purchase a stand-alone ambulance or Extras cover.

Ambulance cover

When an emergency situation arises, members can rely on their plan’s designated ambulance service, which is covered with every policy purchased. However, there is no stand-alone ambulance available.

How to join AIA

  • Visit the company website and review the various policies and plans on offer.
  • Request a quote through the website portal or call the customer service number and speak directly to a broker.
  • Choose the plan that best suits you and your family’s healthcare requirements and start the purchase process either online or through a broker. You can also go in person to one of the AIA Vitality offices.
  • After you’ve requested your purchase plan, you’ll receive all the information you need from the insurer, and your cover begins immediately.

Claiming from AIA

There are multiple ways you can claim back from this insurance company. In terms of Hospital claims, the private hospital you have visited will send through the claim immediately, so you don’t have to lift a finger as it is performed for you. For Extras claims, you have a choice. 

You can either swipe your membership card at your healthcare service provider, and the claim will be sent through automatically, claim online via the AIA health insurance claim form on their website, or download the form, complete it, and send it via email or post or hand it in to the insurer directly.

aia family vector

What is AIA Vitality?

The AIA Vitality programme provides customers with the tools to make healthier lifestyle choices and encourages positive behaviours. Members can earn points for keeping active, completing online health assessments, as well as staying up-to-date on their checkups by using this personalised system.

Customers can also earn rewards when increasing their health levels. Rewards include discounted gym memberships, products, and even cashback on their policies.

Benefits of AIA Vitality

  • Access to AIA Vitality, the wellness program that rewards you for improving your health. In addition, when you have AIA Vitality health insurance, you are exempt from paying the AIA Vitality contribution fee.
  • You receive a 5% discount on your AIA Health Insurance premium when joining. Your discount will remain for as long as you maintain an AIA Vitality status of Silver or above.
  • You can receive a 5% discount on eligible AIA Priority Protection products (life insurance, TPD, trauma and income protection insurance) when purchasing a policy through a broker.
  • Receive a 100% refund on your Hospital excess when you reach and maintain an AIA Vitality Silver status or higher and have held your policy for at least six months.
  • Get 10% back on non-dental Extras with AIA Vitality Boost when you reach and maintain a Silver status on AIA Vitality.
  • Youth discounts are available when purchasing a Basic or Bronze Hospital policy at certain ages.
  • You can access most private hospitals Australia-wide.
  • No-Gap dental for select preventative treatments when visiting a smile.com.au dentist.
  • Get up to 25% off one pair of prescription glasses from Specsavers and 20% off lens options.
  • A 30-day cooling-off period allows you to cancel and get a full refund on all premiums paid if you haven’t made any claims.
  • Up to 50% off on certain gym memberships.
  • 30% off of selected products like a Garmin watch.
  • Up to 50% off movie tickets
  • Up to 50% cashback on selected plane tickets.

Frequently Asked Questions and Answers

  • Who is AIA health insurance owned by?

    In 2017, AIA Australia established MyOwn Health Insurance as a joint venture with life insurer and health fund GMHBA. In 2020 they closed to new customers in order to establish their own brand called “AIAnew.” The company also had partnerships through commercialisation such that it provided RACQ’s healthcare coverage until 2021 when this program ended due to too many changes within the industry.
  • Is AIA not for profit?

    No, AIA Vitality is a for-profit health insurance company. To find out if this insurer meets your requirements, it may be a good idea to compare quotes from several insurers. This way, you can choose a policy suited to you and your family.
  • What does AIA stand for in insurance?

    American Insurance Association. The new AIA Vitality has taken the place of their original product, which was a not-for-profit business. They now operate as an insurance company and provide health checks through MO Health Pty Ltd., offering rewards to customers for completing wellness tasks successfully with benefits that can be collected on demand or saved up, so you don’t need any special equipment at home.
  • Is AIA the same as myOwn health insurance?

    The launch of AIA Vitality on March 16th 2020, replaced the original myOwn product, which was a for-profit business. The insurer operates as an insurance company and issues health checks through MO Health Pty Ltd., encouraging improved fitness levels and overall wellbeing with their rewards program that provides benefits to customers who complete wellness tasks successfully. They also provide a wide range of Hospital and Extras coverage.
  • Does AIA do extras only?

    No, AIA does not offer Extras only coverage. You will only be able to purchase an Extras coverage if you have a Hospital policy, by which you will be purchasing a combined policy. All policies include ambulance cover.
  • How do I join AIA vitality Australia?

    Visit the company website and review the various policies and plans on offer. It’s important to review and compare a variety of policies and options to ensure you’re choosing the one best suited to your healthcare needs. Request a quote through the website portal or call the customer service number and speak directly to a broker. Choose the plan that best suits you and your family’s healthcare requirements and start the purchase process either online or through a broker. You can also go in person to one of the AIA Vitality offices. After you’ve requested your purchase plan, you’ll receive all the information you need from the insurer, and your cover begins immediately.
  • Who is eligible for AIA Vitality?

    AIA Vitality is only available to members who hold a policy with AIA insurance. You can purchase a Hospital policy or combined policy, and the level of your coverage does not matter when joining the vitality programme. As long as you hold a policy with the insurance side of the company, you are eligible for the vitality programme. You have to be 16 years or older to be eligible and hold a policy.
  • What is the benefit of AIA Vitality?

    Benefits to AIA Vitality include No-Gap dental for select preventative treatments when visiting a smile.com.au dentist, up to 25% off one pair of prescription glasses from Specsavers and 20% off lens options, a 30-day cooling-off period gives you the option of cancelling and getting a full refund on all premiums paid if you haven’t made any claims, up to 50% off on certain gym memberships, up to 30% off of selected products like a Garmin watch, up to 50% off movie tickets, and up to 50% cashback on selected plane tickets, to name a few.

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  • Reduce out-of-pocket expenses
  • Keep your family healthy
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