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2024 Review of AIA Health Insurance

Health insurance is an extremely important necessity. Choosing the right policy that matches your needs is how you effectively prepare for the future. Health insurance is there to save you money, time and stress. This blog will closely examine the Private Health Insurer AIA.
Fact Checked

Updated: 22 May 2024

This will be an Guide to AIA Health Insurance. We will comprehensively review gap cover, hospital agreements, AIA Vitality, discounts, ambulance cover, family policies, and online claims.

Key facts

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Who is AIA?

The AIA group is the largest independent publicly listed pan-Asian life and health insurance group. Originally established just over 100 years ago in 1919, AIA expanded and, in 1972,  opened its first Australian office in Melbourne. As of 2023, AIA has since expanded nationwide and currently assists 3,8 million Australians with health and life insurance.

AIA is a for-profit health insurance that offers coverage of varying levels. Like other Health Insurance Providers, clients can choose policies matching their personal requirements and providing different coverage levels. 

AIA is different to other service providers because it utilises the operating philosophy that Health Insurance should help you every day – not just when things go wrong. Through their rewards system known as AIA Vitality, the business aims to reward policyholders daily through benefits such as up to $500 each year in retail shopping vouchers, discounted HOYTS movie vouchers, discounted gym memberships with Fitness First, Virgin Active and Goodlife, and other benefits.

Features of AIA Health Insurance

AIA Health insurance offers varying coverage levels. AIA does not provide Extras-only cover. Instead, policy holders will need to buy a combined hospital and extras policy if they require any extras cover. AIA provides eight main hospital coverage types:

Compare AIA Health Insurance Policies

Hospital Policy
Average Premium per Month
Combined Policy
Average Premium per Month
Basic Plus Hospital Starter 750
$112.96
Basic Plus Hospital 750 and Good 50% Back Extras
$171.65
Bronze Hospital 500
$123.68
Basic Plus Hospital 750 and Base 50% Back Extras
$146.98
Bronze Hospital 750
$117.52
Bronze Hospital 500 and Good 50% Back Extras
$182.37
Bronze Plus Hospital 500
$137.65
Bronze Hospital 750 and Better 60% Back Extras
$205.50
Bronze Plus Hospital 750
$130.78
Silver Hospital 500 and Base 50% Back Extras
$199.52
Silver Hospital 500
$165.55
Silver Plus Hospital Advantage 750 and Active Saver Extras
$215.92
Silver Hospital 750
$157.23
Silver Plus Advanced Hospital 500 and Good 50% Back Extras
$307.77
Silver Plus Hospital 750
$167.51
Silver Plus Advanced Hospital 750 and Better 60% Back Extras
$324.64
Silver Plus Advanced Hospital 500
$249.08
Silver Plus Family Hospital 750 and Good 50% Back Extras
$355.69
Silver Plus Family Hospital 750
$236.66
Silver Plus Family Hospital 750 and Base 50% Back Extras
$331.02
Silver Plus Hospital 750
$297.00
Silver Plus Advanced Hospital 750 and Best 70% Back Extras
$358.69

Source: Privatehealth.gov.au (November 2023; Premium estimates for a single individual living in NSW)

What Makes AIA Different to Other Insurers

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AIA Health’s Access Gap Cover