Private health insurance rebate

Get up to 33% back on your premiums by claiming the private health insurance rebate.

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If you have a taxable income of less than $140,000 (as a single) or $280,000 (as a couple or family), you could get money back with the private health insurance rebate.

What is the private health insurance rebate?

The private health insurance rebate is an amount that the Australian government contributes towards your health insurance premiums. It was set up to encourage Australians to take out private health insurance and has been income tested since 2012, meaning how much you get back is based on how much you earn.

You're eligible for the rebate if your taxable income is under $140,000 a year as a single or $280,000 as a couple or family. It also factors in your age and family status. Generally, the less you earn, the more you'll get back.

Private health insurance rebate tiers

The table below outlines the private health insurance rebate tiers for April 2021 to March 2022.

Singles≤$90,000$90,001-105,000$105,001-140,000≥$140,001
Families≤$180,000$180,001-210,000$210,001-280,000≥$280,001
Base TierTier 1Tier 2Tier 3
< age 6524.608%16.405%8.202%0%
Age 65-6928.710%20.507%12.303%0%
Age 70+32.812%24.608%16.405%0%

Rebate levels applicable from 1 April 2021 to 31 March 2022. Source: Private Healthcare Australia.

How do I get the private health insurance rebate?

If you're eligible for the private health insurance rebate, you can get it one of two ways:

  • Through premiums reductions – your private health insurer will apply the rebate to your health insurance premiums
  • As a refundable tax offset when you lodge your tax return online

Unlike the Medicare Levy Surcharge, you can claim the rebate for any insurance policy, whether that's extras cover, hospital cover or a combined package.

Find the policy that is right for you this EOFY

Here are some basic policies from Finder partners. As well as offering basic hospital cover, each have enough cover to avoid both the Lifetime Health Cover Loading and the Medicare Levy Surcharge, if they apply to you.

Name Product Excess Price Per Month Hide CompareBox Hide More Info Button
Frank Entry Hospital (Basic+)
$750
$73.85
ahm starter basic
$750
$77.80
Medibank Basic Accident and Ambulance
$750
$81.15
Qantas Basic Hospital
$750
$83.14
Peoplecare Basic Plus Hospital
$500
$86.70
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