The Benefits of Private Health Insurance

Learn more about private health insurance.

Why do I need Private Health Insurance?

Can’t I just rely on Medicare?

Private Health Insurance offers an added level of security and choice when it comes to receiving medical treatment. While Medicare is great for the basics, Private Health Insurance gives you the following benefits:
 
  1. Shorter wait times – skip the long waits for surgeries and treatments
  2. Choice of doctor – have the freedom to choose your preferred doctor and hospital
  3. Extras cover – cover things that Medicare doesn’t, like dental, optical, and physio
  4. Comfort – enjoy the comfort of a private room during your hospital stay
  5. Tax savings – avoid extra taxes and get government rebates

Isn’t Private Health Insurance expensive? What difference does it make getting cover through my employer?

Private Health Insurance might seem like an extra cost, but getting cover through your employer can make it more affordable. Here’s why - AIA Health corporate policies come with discounts that are not available to standard retail policies!

If I take out cover through my employer, will they have access to my medical information?

No, your medical information is strictly confidential. At AIA Health, we prioritise your privacy. Rest assured, your health details are kept secure and private.

How difficult is it to change Private Health Insurance providers? Will I have to serve my waiting periods again?

Switching to AIA Health is hassle-free! Just provide us with your previous insurer’s details and we’ll handle the transition for you seamlessly.

Regarding waiting periods, they typically apply to new members. However, if you’ve already served your waiting periods on an equivalent cover with us or another fund, there’s no need to wait again. Please note, additional waiting periods may be necessary if you decide to upgrade to a higher level of cover.

Learn more about AIA Health’s waiting periods here.

What happens to my private health insurance if I leave my job? Will I be able to keep the same cover?

If you leave your job, you can continue your policy. However, any corporate discounts on your policy will be removed.

Call us

Call 133 242 between 8am-6pm (AEST/AEDT) Monday to Friday, excluding public holidays.

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Here is some recognition we are proud of:

Winner of WeMoney award for ‘Oustanding Customer Service (Health Insurance)’ and ‘Digital Health Insurer of the Year’ in 2024.

Rated best health insurance 2022 to 2025.