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Start with Hospital Cover
29 claimable services
Silver Hospital Plus
31 claimable services
Silver Premium Hospital Plus
36 claimable services
All Hospital options include...
What's not included?
Tailor your Extras...
6 claimable services
Cover for extras people use most, with 60% back of the cost back to you, up to your annual limit.
6 claimable services
Get 60% of the cost back every time you claim, with higher annual limits.
22 claimable services
The best level of Apia Extras cover with 75% back, up to your annual limit.
Hospital & Extras
Lifetime health cover
Under Lifetime Health Cover (LHC), you'll pay a 2% loading on top of the normal premiums for each year you don't have hospital cover by July 1 following your 31st birthday.
LHC increases by 2% for every year you don't join, up to a maximum of 70%, and can only be removed after 10 years of continuous hospital cover. This isn't just with Apia health insurance, but every health fund.
Medicare Levy Surcharge
The Medicare levy surcharge (MLS) is levied on Australian taxpayers who do not have an appropriate level of private hospital cover and earn above a certain income.
The base income threshold (under which you are not liable to pay the MLS) is $90,000 for singles and $180,000 for families.
If your taxable income is above the MLS thresholds and you don't have an appropriate level of private hospital cover, you may have to pay the MLS.
^This Offer is only available to new members who join a combined Apia Health Insurance Hospital & Extras policy by 11:59pm (AEDT) 31 October 2021. Not available to existing health insurance policyholders with AAMI, Apia, Suncorp, nib, GU Health or Qantas, or to previous policyholders who have held health insurance with any of these brands and cancelled their policy 6 months before or during the Offer Period.
The Offer consists of adjusting the “paid to” date on the qualifying policy to reflect the reduction off the premium payable for an amount equating to AU$200 (inclusive of GST). The Eligible Member must maintain the Eligible Product up to the date of the Offer being applied to the active policy, being 9 December 2021 for policies joined between 01 September 2021 and 30 September 2021 and 6 January 2022 for policies joined between 01 October 2021 and 31 October 2021. The Offer will be forfeited if the Eligible Member is not an active policyholder on this date.
In addition, 2 & 6month waiting periods will be waived for Eligible Members on all Extras services that normally require a 2 or 6 month waiting period under the Eligible Product. The Waiver will be fulfilled at the time the Eligible Member takes out the Eligible Product. Longer waiting periods may apply for some services.
See full terms and conditions. Apia Health Insurance is issued by nib health funds limited ABN 83 000 124 381 (nib), a registered private health insurer, and is marketed by Platform CoVentures Pty Ltd ABN 82 626 829 623 (PC), a Suncorp Group company. PC is an authorised agent of nib and receives commission from nib. nib is not a part of the Suncorp Group. Read the policy booklet before buying this insurance. Click here for a copy.
The Australian Department of Health announced the COVID-19 vaccine will be provided at no cost to all Medicare-eligible Australians, permanent residents and temporary visa holders who are aged 16 years and older. You will not need to use your private health insurance to cover the cost of the vaccine.
If you have any upcoming appointments with the dentist, physio or other health care providers, it’s important you contact them about your COVID-19 related questions. The good news is that the telehealth services we introduced as part of our COVID-19 support package in 2020 are here to stay.
To support the mental health of Health Insurance members, Apia Health Insurance has temporarily expanded cover for psychology to eligible members until 30 September 2021. For more information please call 13 50 50.
The telehealth services that we introduced during the pandemic to help access a range of Extras services are here to stay. For more information please call 13 50 50.
Pathology tests in an out-patient setting are covered by Medicare, and therefore aren’t covered by Apia Health Insurance. It’s best to check with Medicare to determine what tests are covered and whether you’ll experience any out of pocket costs.
To support members, coverage has been temporarily expanded for chest, lung, kidney or other treatment related to COVID-19 across all levels of Hospital cover at no additional cost until 30 September 2021. You'll just need to have served the standard two-month waiting period before requiring treatment. Along with other health insurers across Australia, any treatment for COVID-19 as an outpatient that is covered by Medicare will not be covered by Apia Health Insurance. To review your level of cover, log in to your My Account or call us on 13 50 50.
Apia Health insurance HICAPS claims using an Apple Wallet is currently not available. Customers can continue to swipe their Apia Health Insurance Member Card through a HICAPS terminal to automatically process claims. Alternatively, claims can be made through Apia Health Online Services.