Review AIA Health Insurance with AIA Vitality
Megan Fraser Updated: 06 August 2021
AIA Vitality Australia is a health insurance company that provides numerous benefits to their members. Typically, they offer you the opportunity to choose between a wide range of plans and policies. Compare their discounts, lifestyle rewards, and wellness benefits, to determine whether or not this is the right insurer for your requirements.
AIA Vitality private health insurance offers members the choice between 11 Hospital and four Extras policies. It’s important to review and compare all of the options available to your before making your final decision. Review AIA health cover with Vitality, and equip yourself with the information you need to make the health insurance choice that best suits your requirements.
About AIA Health insurance
AIA Vitality, founded in 2017, is a for-profit health insurance company with over 48 years of experience. The company continues to uphold their desire to uplift healthcare in Australia. With over 3.5 million customers, the insurers place healthcare as their top priority
Today, this insurer is one of Australia’s leading health companies, with a vision to make a true and long-lasting difference within Australia. Since its inception, AIA has won numerous awards, including Super Reviewâs Best Insurer of the Year for the years of 2018 and 2019.
What does AIA Health Insurance offer?
This insurer provides its customers with numerous AIA health insurance plans and benefits. There are 11 Hospital plans and four Extras policies on offer, rewards for lifestyle and health improvements and achievements, and support from every healthcare service type. This health insurance company also offers no gap dental, a 5% discount on premiums, and access to AIA vitality.
Some of the benefits you may be entitled to as an AIA health member include:
You can receive a 5% discount on eligible AIA Priority Protection products, including life insurance and trauma and income protection insurance when purchasing a policy through a broker. You will get a 100% refund on your Hospital excess when you reach and maintain an AIA Vitality Silver status or higher after holding your policy for over six months. You can receive 10% back on non-dental Extras through the AIA Vitality Boost. This can be achieved when reaching and maintaining Silver status or above. When purchasing a Basic or Bronze Hospital policy below a specific age, you can get specialised youth discounts. Access most private hospitals Australia-wide. There is a 30-day cooling-off period, which provides you with the option of cancelling your policy. If you have not made any claims before doing so, you will receive a full refund. Earn AIA Vitality Discounts Affordable Hospital Cover Options Up to 70% back on most Extras
Hospital cover from AIA health insurance
There are 11 Hospital plans on offer through this insurance company. Each policy has a list of benefits, restrictions, and waiting periods. Depending on which policy level you choose, there will be benefits in terms of services from which you can claim back, certain restrictions in terms of financial restraints and limits, and specific waiting periods you must endure before you can use the healthcare service. Be sure to review and compare plans before making your final decision.
Basic Hospital Accident 500
This policy includes in-hospital benefits and only has three financial restrictions. It comes with ambulance cover but does not cover accommodation or travel and and generally costs $104.43 a month. This package is ideal for singles who require coverage for accidents, with no extra services being covered. There is a limit of $500 per person per year on this plan.
BENEFITSRESTRICTIONSWAITING PERIODS N/AHospital psychiatric servicesPalliative careRehabilitation2 months for palliative care, rehabilitation and hospital psychiatric treatments, even if pre-existing12 months for other pre-existing conditions2 months for all other treatments
Source: PrivateHealth.gov.au (May 2021; Hospital only premium estimates for a single Adult with no dependents in NSW)
Bronze Hospital Essential 500
This policy includes in-hospital benefits and only has three financial restrictions. It comes with ambulance cover but does not cover accommodation or travel and generally costs $122.61 a month. This package is ideal for couples who require a little more than basic coverage, with numerous benefits and healthcare services being covered. There is a limit of $500 per person per year on this plan.
Bronze Hospital Essential 750
This policy includes in-hospital benefits and only has three financial restrictions. It comes with ambulance cover but does not cover accommodation or travel and and generally costs $116.49 a month. This package is ideal for couples who require a semi-wide range of coverage. There is a limit of $750 per person per year on this plan.
BENEFITSRESTRICTIONSWAITING PERIODSChemotherapy, radiotherapy and immunotherapy for cancerDigestive systemGynaecologyHernia and appendixTonsils, adenoids and grommetsMiscarriage and termination of pregnancyPain managementSkinBrain and nervous systemMale reproductive systemHospital psychiatric servicesPalliative careRehabilitation2 months for palliative care, rehabilitation and hospital psychiatric treatments, even if pre-existing12 months for other pre-existing conditions2 months for all other treatments
Source: PrivateHealth.gov.au (May 2021; Hospital only premium estimates for a single Adult with no dependents in NSW)
Bronze Plus Hospital Everyday 500
This policy includes in-hospital benefits and only has three financial restrictions. It comes with ambulance cover but does not cover accommodation or travel and generally costs $130.41 a month. This package is ideal for couples who require a semi-wide range of coverage. There is a limit of $500 per person per year on this plan.
Bronze Plus Hospital Everyday 750
This policy includes in-hospital benefits and only has three financial restrictions. It comes with ambulance cover but does not cover accommodation or travel and generally costs $123.90 a month. This package is ideal for couples who require a semi-wide range of coverage. There is a limit of $750 per person per year on this plan.
BENEFITSRESTRICTIONSWAITING PERIODSSkinPain managementPlastic and reconstructivePlastic and reconstructive surgery (medically necessary)Kidney and bladderJoint reconstructionsHernia and appendixGastrointestinal endoscopyDigestive systemDiabetes managementChemotherapy, radiotherapy and immunotherapy for cancerHospital psychiatric servicesPalliative careRehabilitation2 months for palliative care, rehabilitation and hospital psychiatric treatments, even if pre-existing12 months for other pre-existing conditions2 months for all other treatments
Source: PrivateHealth.gov.au (May 2021; Hospital only premium estimates for a single Adult with no dependents in NSW)
Silver Plus Hospital Advantage 500
This policy includes in-hospital benefits and only has one financial restriction which is for hospital psychiatric services. It comes with ambulance cover as well as accommodation and travel coverage and generally costs $226.14 a month. This package is ideal for families who have many varying forms of healthcare requirements. Purchasing this plan will exempt you from having to pay the Medicare Levy Surcharge.
Silver Plus Hospital Advantage 750
This policy includes in-hospital benefits and only has one financial restriction which is for hospital psychiatric services. It comes with ambulance cover as well as accommodation and travel coverage and generally costs $214.83 a month. This package is ideal for families who have many varying forms of healthcare requirements. Itâs important to note that pregnancy and birth-related services are not covered.
BENEFITSRESTRICTIONSWAITING PERIODSBreast surgeryDiabetes managementDialysis for chronic kidney failureHeart and vascular systemRehabilitationLung and chestMiscarriage and termination of pregnancyGastrointestinal endoscopyJoint reconstructionsPlastic and reconstructive surgery (medically necessary)Hospital psychiatric services2 months for palliative care, rehabilitation and hospital psychiatric treatments, even if pre-existing12 months for other pre-existing conditions2 months for all other treatments
Source: PrivateHealth.gov.au (May 2021; Hospital only premium estimates for a single Adult with no dependents in NSW)
Silver Plus Hospital Ultimate 750
This policy includes in-hospital benefits and only has one financial restriction which is for hospital psychiatric services. It comes with ambulance cover as well as accommodation and travel coverage and generally costs $248.84 a month. This package is ideal for families who have many varying forms of healthcare requirements. Itâs important to note that weight loss services are not covered.
BENEFITSRESTRICTIONSWAITING PERIODSAssisted reproductive servicesImplantation of hearing devicesHernia and appendixInsulin pumpsImplantation of hearing devicesPalliative careSleep studiesTonsils, adenoids and grommetsEar, nose and throatDigestive systemHospital psychiatric services2 months for palliative care, rehabilitation and hospital psychiatric treatments, even if pre-existing12 months for other pre-existing conditions12 months for pregnancy and birth (obstetrics)2 months for all other treatments
Source: PrivateHealth.gov.au (May 2021; Hospital only premium estimates for a single Adult with no dependents in NSW)
Silver Hospital Classic 500
This policy includes in-hospital benefits and only has three financial restrictions. It comes with ambulance cover but does not cover accommodation or travel and generally costs $155.30 a month. This package is ideal for families who require a wide range of coverage. There is a limit of $500 per person per year on this plan.
Silver Hospital Classic 750
This policy includes in-hospital benefits and only has three financial restrictions. It comes with ambulance cover but does not cover accommodation or travel and generally costs $147.53 a month. This package is ideal for families who require a wide range of coverage. There is a limit of $750 per person per year on this plan.
BENEFITSRESTRICTIONSWAITING PERIODSDigestive systemEye (not cataracts)Gastrointestinal endoscopyHernia and appendixJoint reconstructionsMiscarriage and termination of pregnancyPain managementPlastic and reconstructive surgery (medically necessary)SkinBrain and nervous systemHospital psychiatric servicesPalliative careRehabilitation2 months for palliative care, rehabilitation and hospital psychiatric treatments, even if pre-existing12 months for other pre-existing conditions2 months for all other treatments
Source: PrivateHealth.gov.au (May 2021; Hospital only premium estimates for a single Adult with no dependents in NSW)
There are four core Extras policies available from this insurance company. However, it is of vital importance to note that you cannot purchase a standalone Extras plan. You have to purchase a Hospitals plan to take out an Extras policy. There are over 60 combination plans available. Depending on your level of coverage, each plan comes with itâs own set of benefits, restrictions, and waiting periods.
Lite Extras
This policy includes a range of out-of-hospital benefits with numerous financial restrictions. It includes osteopathy, dental, and optical services. There are specific waiting periods for certain healthcare services. This package is ideal for singles who require a limited amount of coverage. Members can receive up to 50% back on general dental services.
BENEFITSRESTRICTIONSWAITING PERIODSGeneral dentalOpticalPhysiotherapyDietetics/dietary adviceHealth managementCombined chiropractic, physiotherapy, hydrotherapy and osteopathy: $300 annual limit.General dental: $600 annual limit.Major dental: $300 annual limit.Optical: $200 annual limit, with 100% back.Pre-existing conditions: 12 monthsAccidents and emergency ambulance: 1 dayAll other hospital admissions: 2 monthsGeneral dental: 2 monthsMajor dental: 12 monthsOptical: 6 months
Source: PrivateHealth.gov.au (May 2021; Extras only premium estimates for a single Adult with no dependents in NSW)
Standard Extras
This policy includes a range of out-of-hospital benefits with numerous financial restrictions. It includes chiropractic, hydrotherapy, and pharmaceuticals. There are specific waiting periods for certain healthcare services, such as dental, optical, and orthotic services. This package is ideal for couples who require a semi-limited amount of coverage. Members can receive up to 60% back on all services.
BENEFITSRESTRICTIONSWAITING PERIODSMajor dentalEndodonticOrthodonticOpticalNon-PBS pharmaceuticalsPhysiotherapyChiropracticPodiatryPsychologyGeneral dentalChiropractic and osteopathy: $200 annual limit.General dental: $800 annual limit.Major dental: $500 annual limit.Optical: $250 annual limit, with 100% back.Psychology: $200 annual limit.Physiotherapy, exercise physiology, hydrotherapy and Myotherapy: $300 annual limit.Acupuncture combined with remedial massage: $200 annual limit.Dietetics: $200 annual limit.Hearing aids: $300 annual limit.Non-PBS Pharmaceuticals: $40 per prescription, up to $200 annual limit.Preventative health benefits: $100 annual limit.Occupational therapy: $200 annual limit.Swimming lessons: $200 annual limit.Accidents and emergency ambulance: 1 dayAll other hospital admissions: 2 monthsGeneral dental: 2 monthsMajor dental: 12 monthsOrthodontics: 12 monthsPsychology: 2 monthsOptical: 6 months
Source: PrivateHealth.gov.au (May 2021; Extras only premium estimates for a single Adult with no dependents in NSW)
Lifestyle Extras
This policy includes a range of out-of-hospital benefits with numerous financial restrictions. It includes orthodontics, psychology, and physiotherapy. There are specific waiting periods for certain healthcare services, such as dental and optical services. This package is ideal for families who require a large amount of coverage. Members can receive up to 70% back on dental service.
BENEFITSRESTRICTIONSWAITING PERIODSOrthodonticEndodonticChiropracticPsychologyHearing aidsBlood glucose monitorsOrthotics (podiatric orthoses)OsteopathyVaccinationsPodiatryChiropractic and osteopathy: $300 annual limit.General dental: $800 annual limit.Major dental: $800 annual limit.Orthodontics: $800 annual limit.Optical: $250 annual limit, with 100% back.Psychology: $300 annual limit.Physiotherapy, exercise physiology, hydrotherapy and Myotherapy: $500 annual limit.Podiatry: $300 annual limit.Acupuncture combined with remedial massage: $300 annual limit.Audiology: $300 annual limit.Dietetics: $300 annual limit.Eye therapy: $300 annual limit.Hearing aids: $300 annual limit.Non-PBS Pharmaceuticals: $40 per prescription, up to $300 annual limit.Preventative health benefits: $150 annual limit.Occupational therapy: $300 annual limit.Speech therapy: $300 annual limit.Swimming lessons: $200 annual limit.Pre-existing conditions: 12 monthsPregnancy: 12 monthsAccidents and emergency ambulance: 1 dayAll other hospital admissions: 2 monthsGeneral dental: 2 monthsMajor dental: 12 monthsOrthodontics: 12 monthsPsychology: 2 monthsOptical: 6 monthsMedical appliances like hearing aids: 12 months
Source: PrivateHealth.gov.au (May 2021; Extras only premium estimates for a single Adult with no dependents in NSW)
Enhanced Extras
This policy includes a range of out-of-hospital benefits with numerous financial restrictions. It includes acupuncture, eye therapy, and audiology. There are specific waiting periods for certain healthcare services, such as dental, optical, and medical appliances services. This package is ideal for families who require a large amount of coverage. Members can receive up to 80% back on all services.
BENEFITSRESTRICTIONSWAITING PERIODSAcupunctureRemedial massageHearing aidsAudiologyDietetics/dietary adviceOccupational therapyEye therapy (orthoptics)Speech therapyAnte-natal/Postnatal classesHealth managementAntenatal and postnatal: $400General dental: $1000Major dental: $1000Orthodontics: $1000Optical: $300Physiotherapy combined with exercise physiology, hydrotherapy: $600Chiropractic and osteopathy combined: $400Psychology: $400Hearing aids: $500Audiology: $400Acupuncture combined with remedial massage: $400Dietetics: $400Non-PBS Pharmacy: $40 per prescription, up to 400 annual limits.Podiatry: $400 annual limit.Preventative health benefits: $200 annual limit.Orthopaedic appliances: $400Eye therapy: $400Occupational therapy: $400Speech therapy: $400Swimming lessons: $300Pre-existing conditions: 12 monthsPregnancy: 12 monthsAccidents and emergency ambulance: 1 dayAll other hospital admissions: 2 monthsGeneral dental: 2 monthsMajor dental: 12 monthsOrthodontics: 12 monthsPsychology: 2 monthsOptical: 6 monthsMedical appliances like hearing aids: 12 months
Source: PrivateHealth.gov.au (May 2021; Extras only premium estimates for a single Adult with no dependents in NSW)
What is AIA Vitality
AIA Vitality is a health, lifestyle, and wellness programme thatâs connected to AIA health insurance. When you achieve certain fitness, health, and lifestyle goals through and with the programme, you will receive points and rewards. As you gain more points, your level increases, and you stand to gain bigger and better rewards and benefits. You automatically begin on Bronze level, working your way up to the highest tier, being platinum.
The programme and the benefits linked to achieving and maintaining health, fitness, and wellness goals are among the main reasons Australians choose AIA as their health insurers. The benefits are seemingly limited and often include attractive discounts and cashback prizes. You can utilise the AIA Vitality app to track your progress and claim your well-deserved rewards.
Benefits of AIA Vitality
There are numerous benefits in discounts and cashback rewards when joining, achieving, and maintaining AIA Vitality health and wellness goals. This programme is proven to uplift the health and lives of participants and the country as a whole. When becoming a part of the system, you have access to a wide range of healthcare professionals and services that provide valuable discounts to help you through your journey.
Below is a list of the top benefits:
Receive up to 50% cashback on two travelling flights with Virgin AustraliaReceive up to 25% discounts on Fitbit and Garment productsReceive up to six discounted movie ticketsReceive shopping gift vouchers from anything between $20 to $200Receive a 100% refund on your Hospital excess when you reach and maintain an AIA Vitality Silver status or higher and have held your policy for at least six months.Get 10% back on non-dental Extras with AIA Vitality Boost when you reach and maintain a Silver status on AIA Vitality.
How to become an AIA member
There are numerous ways to join AIA health insurance. You can visit the company website, review the various policies and plans on offer, request a quote via the website, or call the customer service number and speak directly to a broker. Alternatively, you can visit one of the AIA offices in person and speak to a broker who will help you decide and set up your policy.
Joining AIA Vitality
The process to join this health and wellness programme is extremely easy. First, you need to take out a Hospitals plan with AIA to be eligible. Then, all you need to do is activate your membership through the instructions provided to you once you’ve purchased your policy.
Claiming from AIA health insurance
There are numerous ways to claim back from this insurer. When it comes to claiming money back from your hospital visit, your claim will be sent through and processed automatically, so you don’t have to do anything. If you want to claim back from your Extras policy, there are a few options.
Swipe your membership card at your healthcare service provider, and the claim will be processed immediately. Claim online via the AIA health insurance claim form found on the website. Once you have filled out the form, you can either email it through, post it, or hand it in personally.
Frequently asked questions and answers
What are the benefits of being an AIA member?
Generally, you’ll be able to get a 100% refund on your Hospital excess when you reach and maintain an AIA Vitality Silver status or higher, 10% back on non-dental Extras through the AIA Vitality Boost, youth discounts, and access to most private hospitals Australia-wide. You can also receive attractive discounts and rewards through AIA Vitality, including shopping vouchers, movie tickets, discounted flights, and gym memberships.
Can you get discounts on gym memberships with AIA?
Yes, you can receive discounts on gym memberships when purchasing a Hospital plan through AIA as you will automatically become an AIA Vitality member. However, gym membership discounts are only awarded to those who achieve certain fitness, health, or wellness goals and maintain their healthy habits and lifestyle when increasing their level through the AIA Vitality programme.
What kinds of Health insurance products do they offer?
There are 11 Hospitals plans and four core Extras policies. It is important to note and remember that you cannot purchase a standalone Extras plan. You can only purchase an Extras policy when taking out a Hospital plan. There are over 60 options when it comes to combining your Hospitals and Extras plan.
What are some of AIAâs partner and member benefits?
Partner and membership benefits include discounts and cashback on various dental and optical healthcare services. Other benefits are available through the AIA Vitality programme, which includes up to $500 in gift and shopping vouchers, discounts on gym memberships, movie tickets, and 5% off your monthly premium rates. These are only a handful of the numerous benefits you can receive when joining AIA private health insurance.
