MyOwn Health Insurance

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.

No reviews yet. Write a review

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!


  • 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.


  • 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:

  • You prefer not-for-profit health funds.
  • You're unlikely to take advantage of AIA Vitality.

Review by our insurance writer Gary Hunter

Compare all policies from AIA

Compare health insurance for free
Compare prices from 30+ Aussie funds in under 30 seconds.

What types of health insurance does AIA offer?

Hospital icon

Hospital Coverage

With AIA Health Insurance, you can choose from 7 levels of hospital cover:

Basic & bronze cover

Basic Hospital Accident

This covers private hospital treatment for accidental injuries only and emergency transport in an ambulance. It comes with restricted cover for:

  • Psychiatric
  • Palliative care
  • Rehabilitation

Basic Plus Hospital Starter

This goes a little further than cover for accidental injuries, costs around $82.84 a month and covers you for treatments including:

  • Joint reconstruction
  • Ear, nose and throat
  • Gynaecology
  • Male reproductive service

Bronze Hospital Essential

This is AIA's most basic Bronze policy. It costs around $90 per month and covers you for all bronze treatments including:

  • Joint reconstruction
  • Cancer treatment
  • Appendix removal
  • Hernia investigation and treatment

Bronze Plus Hospital Everyday

For around $103 per month, this covers you for all standard bronze treatments plus you get a few extras, such as:

  • Dental surgery
  • Medically necessary plastic and reconstructive surgery
  • Blood
  • Lung and chest

Silver & gold cover

Silver Hospital Classic

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 icon

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 icon

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

More guides on Finder

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Go to site