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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.
You want to choose from a wide range of policies.
AIA is not great if:
You prefer not-for-profit health funds.
You're unlikely to take advantage of AIA Vitality.
The Silver Hospital Classic costs around $121 per month and covers all silver treatments including:
Back, neck and spine
Heart and vascular system
Implantation of hearing devices
Podiatric surgery
Silver Plus Hospital Advantage
This will set you back around $171 a month and covers all treatments except pregnancy, assisted reproductive services and weight loss surgery.
Silver Plus Hospital Ultimate
AIA's top policy costs around $188 a month and covers all treatments except weight loss surgery. It can pay benefits towards:
​​Assisted reproductive services
Pregnancy
Weight loss surgery
Sleep studies
Extras coverage
AIA health insurance extras policies are available only in combination with one of the hospital policies listed above. Some hospital and extras policies can't be combined. For example, you can't combine the lowest level of hospital cover with the highest level of extras cover. Here's what extras policies are available.
Lite Saver Extras
Lite Extras
Saver Extras
Standard Extras
Lifestyle Extras
Ambulance coverage
You can't get standalone emergency ambulance cover with AIA, but it is available with all hospital and combined policies. This can include:
When you need to be transported to a hospital for immediate professional attention
When you are transferred as an admitted patient to another hospital and can only be safely transported by ambulance
When an ambulance is called to attend to you with immediate professional attention but you subsequently do not require hospitalisation
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 flights, 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.
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 a senior writer for Insurance at Finder. He has written on a range of finance and business topics for over six years and his work has been featured in publications including The Irish Times, Companies 100, In Business and Q Magazine (UK). As a trained journalist, he can drill into the finer details of financial products to help you save time and money. James is a committed sports fan, novel reader and he holds a Tier 1 General Insurance (General Advice) certification.
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