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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 (AEST) 30 April 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$150 (inclusive of GST) for a singles policy, or AU$150 (inclusive of GST) for a couples, family or single parent family policy. The Eligible Member must maintain the Eligible Product up to the date of the Offer being applied to the active policy, being 30 June 2021 and the Offer will be forfeited if the Eligible Member is not an active policyholder on this date.
In addition, 2 & 6 month 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.
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. Read the policy booklet before buying this insurance.