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We will postpone Health insurance premium increases this year until 1 November 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

Get 10% off your policy!

Join any new combined Hospital and Extras cover today and you could get 10% off your first 12 months of cover.^

Join by 31 August 2022

New members only. Discount will be based on annual premium for the cover held on fulfillment date. Eligibility and T&Cs apply.

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  • Claim online
  • Update your policy
  • 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

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

^This Offer is only available to new members who join a combined Apia Health Insurance Hospital & Extras policy by 11:59pm (AEST) 31 August 2022. Not available to existing health insurance policyholders with AAMI, Apia, Suncorp, Priceline, ING, 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 AU10% of the annual premium for the first 12 months of the policy (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 12 October 2022 for policies purchased between 01 July 2022 and 31 July 2022 and, 16 November 2022 for policies purchased between 01 August 2022 and 31 August 2022. The Offer will be forfeited if the Eligible Member is not an active policyholder on this date.

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 FAQs