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We will postpone Health insurance premium increases this year until 1 September 2022 to provide COVID-19 financial relief.
Call 13 50 50 for more information.

Policy Number

This can be found on your policy certificate or renewal notice

Apia Health Insurance

Skip the 2 & 6 month wait on Extras when you take out combined Hospital and Extras Cover^.
Ends 30 June. T&Cs apply.

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  • Check your remaining benefit
  • Review your claims history
Green badge for hospital & extras cover Green badge for hospital & extras cover Green badge for hospital & extras cover Green badge for hospital & extras cover

Start with Hospital Cover

Select or combine Hospital cover and extras to suit you

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Bronze Hospital Plus

27 claimable services

Bronze Hospital Plus covers more than just the basic services you might need treatment for in hospital.

  • Brain and nervous system
  • Joint reconstruction
  • Ear, nose and throat
  • Emergency ambulance cover

Silver Hospital

29 claimable services

Cover that includes many commonly claimed services.

Silver Hospital Plus

31 claimable services

Includes all cover from Silver Hospital, plus Cataracts and Joint replacements.

Silver Premium Hospital Plus

36 claimable services

The best Apia hospital cover for peace of mind.

All Hospital options include...

What's not included?

Tailor your Extras...

Select or combine Hospital cover and extras to suit you

Essential Extras

6 claimable services

Cover for extras people use most, with 60% back of the cost back to you, up to your annual limit.

Advanced Extras

You can add additional extras like chiropractic and osteopathy to suit an active lifestyle.

What's included?

Classic Extras

6 claimable services

Get 60% of the cost back every time you claim, with higher annual limits.

Advanced Extras

You can add additional extras like chiropractic and osteopathy to suit an active lifestyle.

What's included?

Premium Extras

22 claimable services

The best level of Apia Extras cover with 75% back, up to your annual limit.

More Information

Everything else you will need to know.

Advanced Extras

What's included in Additional Extras?

You can add additional extras like chiropractic and osteopath to suit an active lifestyle.

What is private health insurance?

In Australia, Medicare provides health care for citizens and permanent residents. By taking out private health insurance you can get more health care options, peace of mind and it may even help avoid tax.

Hospital & Extras

Hospital cover gives you access to private hospitals and choice of doctor, while Extras cover helps with the costs of services not normally covered by Medicare, such as dental and physiotherapy.

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.

For more information, call us on 13 50 50 or visit the ATO website at www.ato.gov.au

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.

Find more information, including how to calculate your income for MLS purposes, visit the ATO website at www.ato.gov.au

^This Offer is only available to new members who join a combined Apia Health Insurance Hospital & Extras policy by 11:59pm (AEDT) 30 June 2022. Not available to existing health insurance policyholders with AAMI, Apia, Suncorp, nib, ING Health Insurance, Priceline, 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 waiving 2 & 6 month waiting periods 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.

Apia Health Insurance FAQs