Who owns AIA health insurance?

AIA Australia is part of the AIA Group.

What does AIA stand for?

AIA stands for American International Assurance Company

Is AIA health insurance good?

AIA health insurance has a reasonable range of products at a good price point. However, not all health categories are covered and it doesn't have the best complaints record. Ultimately, it's up to you.

AIA health insurance review

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AIA offers extensive rewards, including up to 40% gym discounts and its hospital policies are often cheaper than the market average.
You must combine hospital and extras cover, as standalone extras are unavailable and the fund has a higher complaint rate.
AIA does not offer Gold tier hospital cover for services like pregnancy, assisted reproduction or weight loss surgery.

Our verdict

Pros

Extensive rewards program across categories including lifestyle and shopping and health and fitness, with customers able to get a discount of up to 40% on their gym membership.
You can mix and match hospital and extras to get over 40 combinations of cover.
All of AIA's hospital policies are cheaper than market average.

Cons

There's no option to take out a standalone extras policy - only hospital or hospital and extras.
AIA doesn't offer any gold level hospital cover, so you can't get cover for pregnancy and birth, assisted reproductive services, or weight loss surgery.

What types of health insurance does AIA offer?

Combined
Hospital

10 of 36 results

Treatments	Price
AIA Health Insurance Pty Ltd - Basic Plus Hospital 750 and Base Set Extras (with Optical) Most LovedBasic$750 excess	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	$27.16 per week	View details Compare product selectionCompare	loading
AIA Health Insurance Pty Ltd - Bronze Hospital 750 and Base Set Extras (with Optical) Most LovedBronze$750 excess	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	$29.10 per week	View details Compare product selectionCompare	loading
AIA Health Insurance Pty Ltd - Basic Plus Hospital 750 and Base 50% Back Extras Most LovedBasic$750 excess	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	$29.35 per week	View details Compare product selectionCompare	loading
AIA Health Insurance Pty Ltd - Basic Plus Hospital 750 and Good Set Extras Most LovedBasic$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix +3 other treatments covered Extras General dental Major dental Optical Hearing aids +6 other treatments covered	$29.84 per week	View details Compare product selectionCompare	loading
AIA Health Insurance Pty Ltd - Bronze Hospital 750 and Base 50% Back Extras Most LovedBronze$750 excess	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	$31.28 per week	View details Compare product selectionCompare	loading
AIA Health Insurance Pty Ltd - Bronze Hospital 750 and Good Set Extras Most LovedBronze$750 excess	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	$31.77 per week	View details Compare product selectionCompare	loading
AIA Health Insurance Pty Ltd - Basic Plus Hospital 750 and Good 50% Back Extras Most LovedBasic$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix +3 other treatments covered Extras General dental Major dental Optical Hearing aids +6 other treatments covered	$33.48 per week	View details Compare product selectionCompare	loading
AIA Health Insurance Pty Ltd - Basic Plus Hospital 750 and Better Set Extras Most LovedBasic$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix +3 other treatments covered Extras General dental Major dental Optical Hearing aids +10 other treatments covered	$34.25 per week	View details Compare product selectionCompare	loading
AIA Health Insurance Pty Ltd - Bronze Hospital 750 and Good 50% Back Extras Most LovedBronze$750 excess	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	$35.42 per week	View details Compare product selectionCompare	loading
AIA Health Insurance Pty Ltd - Bronze Hospital 750 and Better Set Extras Most LovedBronze$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +16 other treatments covered Extras General dental Major dental Optical Hearing aids +10 other treatments covered	$36.19 per week	View details Compare product selectionCompare	loading

Showing 10 of 36 results

6 of 6 results

Treatments	Price
AIA Health Insurance Pty Ltd - Basic Plus Hospital 750 Most LovedBasic$750 excess	Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Eye excluding cataracts Pain management Gynaecology Lung and chest +2 other treatments covered	$23.16 per week	View details Compare product selectionCompare	loading
AIA Health Insurance Pty Ltd - Bronze Hospital 750 Most LovedBronze$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	$25.10 per week	View details Compare product selectionCompare	loading
AIA Health Insurance Pty Ltd - Silver Hospital 750 Most LovedSilver$750 excess	Lung and chest Back neck and spine Cataracts Joint replacements Blood Dental surgery Palliative care Pregnancy and birth +22 other treatments covered	$33.56 per week	View details Compare product selectionCompare	loading
AIA Health Insurance Pty Ltd - Silver Plus Hospital 750 Most LovedSilver$750 excess	Lung and chest Back neck and spine Cataracts Joint replacements Blood Dental surgery Palliative care Pregnancy and birth +24 other treatments covered	$33.81 per week	View details Compare product selectionCompare	loading
AIA Health Insurance Pty Ltd - Silver Plus Advanced Hospital 750 Most LovedSilver$750 excess	Lung and chest Back neck and spine Cataracts Joint replacements Blood Dental surgery Palliative care Pregnancy and birth +27 other treatments covered	$47.31 per week	View details Compare product selectionCompare	loading
AIA Health Insurance Pty Ltd - Silver Plus Family Hospital 750 Most LovedSilver$750 excess	Lung and chest Back neck and spine Cataracts Joint replacements Blood Dental surgery Palliative care Pregnancy and birth +28 other treatments covered	$70.54 per week	View details Compare product selectionCompare	loading

Showing 6 of 6 results

How to make a claim

If you're claiming for an extras service, you can use your membership card to claim on the spot at the provider, as long as they have a HICAPs machine.

Otherwise, you can claim online via AIA's Member Services Portal, by emailing a completed claim form to Claims@aia.com.au or by posting the completed claim form to:

AIA Health Insurance
Att: Health Insurance Claims
PO Box 7302
Melbourne VIC 3000

For hospital claims, the hospital will most likely contact AIA directly and your only cost will be the excess on your policy.

For medical claims from doctors that participate in Access Gap Cover, your bill will be sent directly to Medicare and AIA for payment. If there are any remaining costs, you will be contacted to pay the bill independently.

If your doctor doesn't participate in any level of gap cover, you'll need to take your medical invoices directly to Medicare where they will request a Medical Claim Form and a Medicare Two-way claim form to be filled out. Medicare will cover some of the bill then forward it to AIA to contribute its portion.

Complaints info

AIA's complaints record is sub-standard. The 2024 State of the Health Funds Report shows that AIA had 0.4% market share but accounted for 1.3% of health insurance complaints made to the Commonwealth Ombudsman.

FAQs

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Sources

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Written by

Nicola Middlemiss

Journalist

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Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

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Nicola has written 170 Finder guides across topics including:

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AIA Health Insurance Review

AIA has a popular rewards program but it’s no good if you only want extras - to join AIA, you need to take out hospital cover.