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2021 AIA Health Insurance Review

Megan Fraser
Megan Fraser Updated: 05 July 2021
Types of Health Insurance

If you’re looking for a health insurance company that offers and provides numerous benefits, AIA Australia may be the ideal option for you. With loads of discounts, dental, optical, and fitness rewards, as well as general wellness benefits, this insurance company can help you uplift your healthcare and lifestyle while offering medical coverage.

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.

Top 3 features of this insurer

  • AIA Vitality offers seven Hospital plans and four Extras policies, which can only be purchased with a combined Hospital plan.
  • By joining this insurance company, you can be part of AIA Vitality wellness programme and receive numerous rewards and benefits for making healthy lifestyle choices.
  • Every Hospital policy comes with emergency ambulance cover, however, you typically won’t be able to purchase a standalone ambulance policy.

AIA Health Insurance Quote

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

About this fund

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. Through completing health checks, improving your overall wellbeing, and increasing your fitness levels, you can earn attractive rewards.

AIA health insurance plans

This health insurance company offers seven Hospital plans and four Extras policies. However, you cannot purchase a standalone Extras policy, but instead must combine it with an already existing Hospital plan to reap the benefits and receive the coverage.

Hospital cover

NamePrice Per MonthBenefitsRestrictions
basic medal
Basic Hospital Accident 500
$104.43
  • Covers private hospital treatment for accidental injuries only.
  • Emergency transport in an ambulance.
  • Psychiatric
  • Palliative care
  • Rehabilitation
basic medal
Basic Plus Hospital Starter 750
$111.84
  • Joint reconstruction
  • Ear, nose and throat
  • Gynaecology
  • Male reproductive service
  • Tonsils, adenoids and grommets
  • Kidney and bladder
  • Psychiatric
  • Palliative care
  • Rehabilitation
bronze medal
Bronze Hospital Essential (Choice of $500 or $750 Excess)
$116.49 -$122.61
  • 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
  • Psychiatric
  • Palliative care
  • Rehabilitation
bronze medal
Bronze Plus Hospital Everyday (Choice of $500 or $750 Excess)
$123.90 – $130.41
  • Everything in the Bronze Essential
  • Dental surgery
  • Medically necessary plastic and reconstructive surgery
  • Blood
  • Lunch and chest
  • Psychiatric
  • Palliative care
silver medal
Silver Hospital Classic (Choice of $500 or $750 Excess)
$147.53 – $155.30
  • Everything in the Bronze Plus
  • Rehabilitation
  • Back, neck and spine
  • Heart and vascular system
  • Implantation of hearing devices
  • Podiatric surgery
  • Psychiatric
silver medal
Silver Plus Hospital Advantage (Choice of $500 or $750 Excess)
$214.83 -$226.14
  • 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
  • Psychiatric
gold medal
Gold Hospital Ultimate (Choice of $500 or $750 Excess)
$248.84 – $214.83
  • Everything in Silver Plus Enhanced
  • Hospital psychiatric services
  • None

Source: PrivateHealth.gov.au (May 2021; Hospital only premium estimates for a single Adult with no dependents in NSW)

Extras Cover

NameWaiting PeriodsAnnual Limits
Lite Extras
  • Pre-existing conditions: 12 months
  • Accidents and emergency ambulance: 1 day
  • All other hospital admissions: 2 months
  • General dental: 2 months
  • Major dental: 12 months
  • Optical: 6 months
  • Combined chiropractic, physiotherapy, hydrotherapy and osteopathy: $300 annual limit.
  • General dental: $600 annual limit.
  • Major dental: $300 annual limit.
  • Optical: $200 annual limit, with 100% back.
Standard Extras
  • Accidents and emergency ambulance: 1 day
  • All other hospital admissions: 2 months
  • General dental: 2 months
  • Major dental: 12 months
  • Orthodontics: 12 months
  • Psychology: 2 months
  • Optical: 6 months
  • Chiropractic and osteopathy: $200 annual limit.
  • General dental: $800 annual limit.
  • Major dental: $500 annual limit.
  • Optical: $250 annual limit, with 100% back.
  • Psychology: $200 annual limit.
  • Physiotherapy, exercise physiology, hydrotherapy and Myotherapy: $300 annual limit.
  • Acupuncture combined with remedial massage: $200 annual limit.
  • Dietetics: $200 annual limit.
  • Hearing aids: $300 annual limit.
  • Non-PBS Pharmaceuticals: $40 per prescription, up to $200 annual limit.
  • Preventative health benefits: $100 annual limit.
  • Occupational therapy: $200 annual limit.
  • Swimming lessons: $200 annual limit.
Lifestyle Extras
  • Pre-existing conditions: 12 months
  • Pregnancy: 12 months
  • Accidents and emergency ambulance: 1 day
  • All other hospital admissions: 2 months
  • General dental: 2 months
  • Major dental: 12 months
  • Orthodontics: 12 months
  • Psychology: 2 months
  • Optical: 6 months
  • Medical appliances like hearing aids: 12 months
  • Chiropractic and osteopathy: $300 annual limit.
  • General dental: $800 annual limit.
  • Major dental: $800 annual limit.
  • Orthodontics: $800 annual limit.
  • Optical: $250 annual limit, with 100% back.
  • Psychology: $300 annual limit.
  • Physiotherapy, exercise physiology, hydrotherapy and Myotherapy: $500 annual limit.
  • Podiatry: $300 annual limit.
  • Acupuncture combined with remedial massage: $300 annual limit.
  • Audiology: $300 annual limit.
  • Dietetics: $300 annual limit.
  • Eye therapy: $300 annual limit.
  • Hearing aids: $300 annual limit.
  • Non-PBS Pharmaceuticals: $40 per prescription, up to $300 annual limit.
  • Preventative health benefits: $150 annual limit.
  • Occupational therapy: $300 annual limit.
  • Speech therapy: $300 annual limit.
  • Swimming lessons: $200 annual limit.
Enhanced Extras
  • Pre-existing conditions: 12 months
  • Pregnancy: 12 months
  • Accidents and emergency ambulance: 1 day
  • All other hospital admissions: 2 months
  • General dental: 2 months
  • Major dental: 12 months
  • Orthodontics: 12 months
  • Psychology: 2 months
  • Optical: 6 months
  • Medical appliances like hearing aids: 12 months
  • Antenatal and postnatal: $400
  • General dental: $1000
  • Major dental: $1000
  • Orthodontics: $1000
  • Optical: $300
  • Physiotherapy combined with exercise physiology, hydrotherapy: $600
  • Chiropractic and osteopathy combined: $400
  • Psychology: $400
  • Hearing aids: $500
  • Audiology: $400
  • Acupuncture combined with remedial massage: $400
  • Dietetics: $400
  • Non-PBS Pharmacy: $40 per prescription, up to 400 annual limits.
  • Podiatry: $400 annual limit.
  • Preventative health benefits: $200 annual limit.
  • Orthopaedic appliances: $400
  • Eye therapy: $400
  • Occupational therapy: $400
  • Speech therapy: $400
  • Swimming lessons: $300

Source: PrivateHealth.gov.au (May 2021; Extras only premium estimates for a single Adult with no dependents in NSW)

How to join AIA

  • Visit the company website and review the various policies and plans on offer.
  • Request a quote via the website 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.
  • You’ll receive all the information you need from the insurer and your cover begins immediately.

How to claim from AIA

There are a few ways you can claim back from this insurance company. With Hospital claims, the private hospital you have visited will send through the claim immediately, so you don’t have to worry. In terms of Extras claims, 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.

AIA Vitality Health benefits

  • 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 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 6 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 gives you the option of cancelling and getting a full refund on all premiums paid if you haven’t made any claims.

Frequently asked questions and answers

  • Does AIA offer ambulance cover?

    Yes, generally every plan and policy comes with emergency ambulance transportation. However, does not offer any standalone ambulance to its members. It’s important to note that call out fees are not covered in this situation.
  • Can you switch from another health fund to AIA health insurance?

    Yes, you can easily switch from one health fund to this health insurance company. Simply call an insurance broker from the company through the number on their website, email them on the details provided on their website, or request a change via the online portal. A broker will handle the paperwork for you, and your change of cover begins immediately after the process is complete.
  • How can I change my AIA cover?

    Simply call an insurance broker from the company through the number on their website, email them on the details provided on their website, or request a change via the online portal. A broker will handle the paperwork for you, and your change of cover begins immediately after the process is complete.
  • How do you cancel your AIA health insurance?

    There are numerous ways to cancel your health insurance policy. Either visit their website and requesting a termination by filling out their contact us form, or call them directly and speak to a broker who will assist you with the process. Their customer service number can be found on the AIA website.
  • How much does AIA cover for dental?

    AIA Vitality has partnered with smile.com.au to bring you the best benefits when it comes to dental care. If you are a member with an active Extras plan that covers dental, you can receive 15-40% discounts on all dental treatments when visiting a recognised provider. The larger your level of coverage, the higher your limits and the more benefits and discounts you can receive.

Health Insurance Quotes

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

Want to talk to a specialist? Call 1300 795 560

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