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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.
*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.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Compare prices from 30+ Aussie funds in under 30 seconds.
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.
Why you can trust Finder's health insurance experts
We're free
Our health insurance engine is completely free to use. You pay the same as buying directly from the health insurer. Better still, we regularly run exclusive deals that you won't find on any other site.
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and you can compare nearly every health fund in Australia on the site (and find a better deal).
We're here to help
Since 2014, we've helped 350,000+ people find health insurance by explaining your options simply. We'll never ask for your number or email to see prices. We're here to help you make a decision.
AIA frequently asked questions
AIA Vitality health insurance launched in 2020 and replaced the myOwn health insurance product. AIA Vitality is a key feature of AIA health insurance, offering a range of rewards for living a healthy lifestyle.
There are several ways you can submit a claim on your AIA policy:
Electronically. If you have a combined hospital and extras policy, you can swipe your AIA membership card to make a claim on the spot at any healthcare provider that supports the HICAPS electronic claims system.
Online. You can log extras claims online through the AIA member's portal. You'll need to upload your receipt within 2 months of receiving treatment.
By post. You can fill out a paper claim form and post it to AIA along with your itemised invoice, or you can lodge medical claims at your nearest Medicare office via a 2-way claim.
Any benefits you are entitled to will be paid directly into your nominated bank account.
James Martin is the insurance editor at Finder. He has written on a range of insurance and finance topics for over 7 years. James often shares his insurance expertise as a media spokesperson and has appeared on Prime 7 News, WIN News, Insurance News, 7NEWS and The Guardian. He holds a Tier 1 General Insurance (General Advice) certification and a Tier 1 Generic Knowledge certification, both of which meet the requirements of ASIC Regulatory Guide 146 (RG146).
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