AIA Health Insurance Review

AIA Health Insurance offers a wide range of hospital and extras policies, along with a popular rewards program that unlocks more health insurance benefits.

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AIA Health Insurance recently revamped their selection of hospital policies into a Basic, Bronze, Silver and Gold tier structure. They also offer a wide range of extras policies you can combine with your hospital policy, giving you lots of choice and lots of protection. Each policy they offer gives you the opportunity to enrol in the AIA Vitality wellness program, offering even more value in the form of discounts, vouchers and more.

Top 3 features
  1. A quality choice for people who want combined hospital and extras that they can mix and match to create customised cover.
  2. Good for people who want access to a fully featured rewards program.
  3. Keep an eye out for regular sign up offers with AIA Health and AIA Vitality.

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Who is AIA Health?

AIA is a relatively new health insurance brand, originally launched in Australia myOwn in 2017. The result of a partnership between life insurer AIA Australia, not-for-profit health fund GMHBA, AIA is a unique product in Australia's health insurance market.

What health insurance options are available?

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

  • Basic Hospital Accident.
  • Basic Plus Hospital Starter.
  • Bronze Hospital Essential.
  • Bronze Plus Hospital Everyday.
  • Silver Hospital Classic.
  • Silver Plus Hospital Advantage.
  • Silver Plus Hospital Ultimate.

In terms of extras policies, these are available only in combination with one of the hospital policies 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.

AIA Member perks

AIA Health comes bundled together with the AIA Vitality health and wellness program that rewards members for their healthy habits.

This program 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.

How to make a claim with AIA Health Insurance

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 two 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 two-way claim.

Any benefits you are entitled to will be paid directly into your nominated bank account.

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