Apia aims to provide quality health care to individuals with a lot of experience living. They only offer two mid-level hospital plans, but these are designed to cover what older Australians need without weighing them down with unnecessary services.
Top 3 features:
- Good for seniors. Apia keeps premiums down by not offering cover for treatments you won't need, such as assisted reproductive services and pregnancy and birth support.
- Good for customisable extras. Essential and Classics Extras keep premiums low by covering only a basic spread of services. Other extras you might need can be added on for an increase in premium.
- Beware of expensive plans. Apia's Premium Extras is roughly $25/week, which is more expensive than other extras with similar benefits and coverage.
What else is on this page?
Apia is a member of the Suncorp Group, specialising in insurance for seniors and over 50s. They serve over 700,000 Australians with products tailored towards people with a good deal of experience in living life.
- Silver Essentials Hospital Plus. This is a mid-level hospital cover, where Apia will cover the costs for most common treatments you'll undergo in hospital. They will generally pay the full costs of hospital accommodation, theatre fees, intensive care costs, and more. Excess for this is flexible: $250, $500, or $750.
- Silver Premium Hospital Plus. A slightly upgraded version of the Silver Essentials plan, including cover for cataracts, weight loss surgery, and dialysis for chronic kidney failure. Flexible excess of $250, $500, or $750.
These can be purchased separately, or combined with one of the two hospital covers above.
- Essential Extras. Provides a 60% benefit for a small range of services, including general and major dental treatment, optical appliances, and physiotherapy. No annual limit on preventative dental work. Additional extras, including pharmaceuticals, hearing aids and more, can be added on for a higher premium.
Private health insurance has been reformed by the government in an attempt to make it more flexible and easy to navigate for consumers. As of April this year, hospital plans have been reorganized into four tiers (Basic, Bronze, Silver and Gold), with each tier having a minimum set of requirements a plan must offer to
qualify. Along with the 'plus' options, this allows insurers like Apia to tailor their plans to suit their customers.
As a member of the Suncorp Group, Apia members have access to Suncorp Rewards - giving them up to 15% savings on eGift cards for everyday items at over 100 retailers.
If you're claiming for a particular health service, you can present your membership card at the time of service and claim your benefit immediately. Otherwise, you can make your claim online by uploading the relevant policy documents, or contact Apia by phone or email for help with lodging your claim.