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AIA Health Insurance Review

Our verdict: AIA health insurance gives you access to its health rewards program, but you can’t get extras on its own.

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Pros

  • A quality choice for people who want combined hospital and extras that they can mix and match to create customised cover.
  • Good for people who want access to a fully featured rewards program.
  • Regular sign up offers with AIA Health and AIA Vitality.

Cons

  • AIA health insurance is for-profit.
  • You can only get extras cover in combination with one of its hospital policies.

Good value AIA policies

These are some good value hospital policies from AIA, one each from the Basic, Bronze and Silver tiers.


*Quotes are based on a single individual with less than $90,000 income, $500 excess and living in Sydney.

AIA health insurance: Our verdict

AIA Vitality health insurance launched in 2020 and replaced AIA's myOwn health insurance product. It's a for-profit fund that gives you access to AIA Vitality to keep track of your overall fitness and wellbeing.

AIA is good if:

  • You want access to a fitness and wellbeing program.
  • You want to choose from a wide range of policies.

AIA is not great if:

Review by our insurance and innovations editor Gary Ross Hunter

Sign-up deals with AIA health insurance for 2024

1 - 1 of 1
Name Product

Get 12 weeks free

Ends 28 March 2024

When you join on a combined hospital & extras policy or 6 weeks free on hospital only. Offer ends 28 March. T&Cs apply.

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What types of health insurance does AIA offer?

1 - 10 of 42
Name Product Treatments Price Apply Hide Compare
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • +3 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +5 other treatments covered
$103.88
per month
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +16 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +5 other treatments covered
$107.31
per month
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • +1 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
$110.81
per month
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +16 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
$114.25
per month
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +20 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +5 other treatments covered
$117.31
per month
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • +1 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +6 other treatments covered
$119.44
per month
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +16 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +6 other treatments covered
$122.87
per month
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +20 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
$124.25
per month
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • +1 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +6 other treatments covered
$129.41
per month
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • +1 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +10 other treatments covered
$132.64
per month
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1 - 7 of 7
Name Product Treatments Price Apply Hide Compare
Basic Plus Hospital 750
Basic Plus$750 excess
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
  • +4 other treatments covered
$85.16
per month
Bronze Hospital 750
Bronze$750 excess
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +14 other treatments covered
$88.60
per month
Bronze Plus Hospital 750
Bronze Plus$750 excess
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +16 other treatments covered
$98.60
per month
Silver Hospital 750
Silver$750 excess
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +22 other treatments covered
$118.54
per month
Silver Plus Hospital 750
Silver Plus$750 excess
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +24 other treatments covered
$126.29
per month
Silver Plus Advanced Hospital 750
Silver Plus$750 excess
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +27 other treatments covered
$178.42
per month
Silver Plus Family Hospital 750
Silver Plus$750 excess
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +28 other treatments covered
$223.91
per month
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What is AIA Vitality?

AIA Health comes bundled together with the AIA Vitality health and wellness program that rewards members for their healthy habits.

AIA Vitality offers:

  • Discounts on shopping, spa treatments and more.
  • Gym membership discounts.
  • The ability to earn hundreds of dollars in gift vouchers.
  • Access to an online portal to track your health and learn healthy habits.
  • A 5% discount on your premiums that you can keep as long as you hit certain health targets.

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