Is Apia a not-for-profit health fund?

No, Apia is not a not-for-profit health fund. It's part of the Suncorp Group. Apia's health insurance product is underwitten by nib.

What member offers does Apia offer?

Apia is a member of the Suncorp Group, so members have access to Suncorp Rewards, giving them up to 15% savings on eGift cards for everyday items at over 100 retailers. You may also be able to benefit from a 10% premium discount if you hold 2 or more eligible policies with Apia.

How do I make a claim with Apia Health Insurance?

Apia offers a 24/7 claims service. 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 on your Apia account, or contact Apia by phone on 13 50 50.

Apia Health Insurance review

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Pros

Apia is tailor made for seniors. It keeps premiums down by not offering cover for treatments including assisted reproductive services, pregnancy and cosmetic surgery.
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 your premium.

Cons

It doesn't offer a lot of choice, it only has 3 hospital insurance policies.
It doesn't offer basic hospital cover.

Apia Health Insurance: Our verdict

Apia Health Insurance is underwritten by nib and tailored to seniors. It offers 3 hospital options and 3 extras cover policies.

Apia is good if:

You're an older Australian and don't need coverage for reproductive services, pregnancy or cosmetic surgery.
You want a mid-range policy.

Apia is not great if:

You want a Gold policy.
You still need cover for pregnancy or medically necessary cosmetic surgery.
You prefer not-for-profit health funds.

_{Review by our insurance and innovations editor Gary Ross Hunter.}

What types of health insurance does Apia offer?

4 of 4 results

Treatments	Rewards	Price
Apia Silver Hospital Plus $750 Excess Silver Plus$750 excess	Lung and chest Back neck and spine Cataracts Joint replacements Blood Dental surgery Palliative care Pregnancy and birth +23 other treatments covered	$245.22 per month	More info Compare product selectionCompare	loading
Apia Bronze Hospital Plus $750 Excess Bronze Plus$750 excess	Joint reconstructions Ear nose and throat Blood Back neck and spine Dental surgery Eye excluding cataracts Cancer Lung and chest +15 other treatments covered	$137.70 per month	More info Compare product selectionCompare	loading
Apia Silver Hospital $750 Excess Silver$750 excess	Lung and chest Back neck and spine Cataracts Joint replacements Blood Dental surgery Palliative care Pregnancy and birth +23 other treatments covered	$176.93 per month	More info Compare product selectionCompare	loading
Apia Silver Premium Hospital Plus $750 Excess Silver Plus$750 excess	Lung and chest Back neck and spine Cataracts Joint replacements Blood Dental surgery Palliative care Pregnancy and birth +29 other treatments covered	$284.86 per month	More info Compare product selectionCompare	loading

Showing 4 of 4 results

5 of 5 results

Treatments	Rewards	Price
Apia Essential and Advanced Extras Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +3 other treatments covered	$85.40 per month	More info Compare product selectionCompare	loading
Apia Premium Extras Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +6 other treatments covered	$186.42 per month	More info Compare product selectionCompare	loading
Apia Classic and Advanced Extras Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +3 other treatments covered	$109.24 per month	More info Compare product selectionCompare	loading
Apia Essential Extras Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +1 other treatments covered	$52.05 per month	More info Compare product selectionCompare	loading
Apia Classic Extras Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +1 other treatments covered	$76.96 per month	More info Compare product selectionCompare	loading

Showing 5 of 5 results

10 of 20 results

Treatments	Rewards	Price
Apia Silver Premium Hospital Plus $750 Excess + Apia Premium Extras Silver Plus$750 excess	Hospital Lung and chest Back neck and spine Cataracts Joint replacements +32 other treatments covered Extras General dental Major dental Optical Hearing aids +10 other treatments covered	$471.28 per month	More info Compare product selectionCompare	loading
Apia Silver Hospital $750 Excess + Apia Classic Extras Silver$750 excess	Hospital Lung and chest Back neck and spine Cataracts Joint replacements +26 other treatments covered Extras General dental Major dental Optical Hearing aids +2 other treatments covered	$253.89 per month	More info Compare product selectionCompare	loading
Apia Bronze Hospital Plus $750 Excess + Apia Classic and Advanced Extras Bronze Plus$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +19 other treatments covered Extras General dental Major dental Optical Hearing aids +5 other treatments covered	$246.94 per month	More info Compare product selectionCompare	loading
Apia Silver Hospital $750 Excess + Apia Premium Extras Silver$750 excess	Hospital Lung and chest Back neck and spine Cataracts Joint replacements +26 other treatments covered Extras General dental Major dental Optical Hearing aids +10 other treatments covered	$363.35 per month	More info Compare product selectionCompare	loading
Apia Silver Hospital Plus $750 Excess + Apia Essential and Advanced Extras Silver Plus$750 excess	Hospital Lung and chest Back neck and spine Cataracts Joint replacements +26 other treatments covered Extras General dental Major dental Optical Hearing aids +5 other treatments covered	$330.62 per month	More info Compare product selectionCompare	loading
Apia Bronze Hospital Plus $750 Excess + Apia Essential and Advanced Extras Bronze Plus$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +19 other treatments covered Extras General dental Major dental Optical Hearing aids +5 other treatments covered	$223.10 per month	More info Compare product selectionCompare	loading
Apia Silver Hospital $750 Excess + Apia Essential and Advanced Extras Silver$750 excess	Hospital Lung and chest Back neck and spine Cataracts Joint replacements +26 other treatments covered Extras General dental Major dental Optical Hearing aids +5 other treatments covered	$262.33 per month	More info Compare product selectionCompare	loading
Apia Silver Hospital Plus $750 Excess + Apia Essential Extras Silver Plus$750 excess	Hospital Lung and chest Back neck and spine Cataracts Joint replacements +26 other treatments covered Extras General dental Major dental Optical Hearing aids +2 other treatments covered	$297.27 per month	More info Compare product selectionCompare	loading
Apia Bronze Hospital Plus $750 Excess + Apia Premium Extras Bronze Plus$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +19 other treatments covered Extras General dental Major dental Optical Hearing aids +10 other treatments covered	$324.12 per month	More info Compare product selectionCompare	loading
Apia Silver Hospital Plus $750 Excess + Apia Classic Extras Silver Plus$750 excess	Hospital Lung and chest Back neck and spine Cataracts Joint replacements +26 other treatments covered Extras General dental Major dental Optical Hearing aids +2 other treatments covered	$322.18 per month	More info Compare product selectionCompare	loading

Showing 10 of 20 results

What types of health insurance does Apia offer?

Hospital
Extras
Ambulance

Hospital icon

Hospital Coverage

Silver Hospital. This comes with 29 claimable services and cover for the likes of heart and vascular system, back, neck and spine, implantation of hearing devices, lung and chest, blood, dental surgery and more.
Silver Hospital Plus. This includes everything covered in Silver Hospital as well as cataracts and joint replacements.
Silver Premium Hospital Plus. Another upgraded version of the Silver plan, this also covers dialysis for chronic kidney failure, weight loss surgery, pain management with device, insulin pumps and sleep studies. In total, Silver Premium Hospital Plus comes with 36 claimable services.

Extras icon

Extras coverage

These can be purchased separately, or combined with either of the 2 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.
Classic Extras. This also comes with 60% back on 6 claimable services but has higher annual limits, for example $1,300 for major dental compared to $600 with Essential Extras.
Premium Extras. The most comprehensive extras policy available with Apia, you'll get 75% back on 22 claimable services, up to your annual limit.

Ambulance icon

Ambulance coverage

Both Apia Health Insurance hospital and extras policies include Ambulance Cover. This includes:

Emergency Ambulance transport to a hospital provided by a state or territory ambulance service.
Ambulance call out fees (if you're treated at the scene and don't need to go to hospital).
Transport between hospitals when transfer is required.

Apia Health Insurance complaints

We looked at the most recent Ombudsman health insurance complaints data to see how good Apia's customer service is (it's underwritten by nib). nib did okay this year, but not as well as the other big funds.

nib received a lower percentage of total complaints (8.80%) than its market share (9.70%).

nib had proportionally more complaints than all the other big health funds, including HBF, Bupa, and Medibank, ahm and HCF.

Apia frequently asked questions

Compare all Apia policies

Sources

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Written by

Gary Ross Hunter

Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

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Apia Health Insurance review

Our verdict: Apia Health Insurance is tailored to seniors, so it doesn't cover treatments like pregnancy. Otherwise, its coverage options are all quite comprehensive.

Pros