Everything else you will need to know.
What's included in Additional Extras?
You can add additional extras like chiropractic and osteopath to suit an active lifestlye.
Apia Premium Extras
What's included in Apia Premium Extras?
The best level of Apia Extras cover with 75% back off the cost to you, up to your annual limit.
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 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.
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, over age 31.
The loading only applies for 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 department of Health and Ageing website at www.health.gov.au
If your taxable income is above the Medicare Levy Surcharge thresholds, you don't have an appropriate level of private hospital cover, you may have to pay the Medicare Levy surcharge.
§ Price calculated on: a single living in NSW, an Australian Government Rebate Tier of 0, assumed Lifetime Health Cover loading of 0% for hospital cover, $500 Excess for hospital cover, paying by direct debit and receiving up to 4% discount and a cover start date of 1 April 2018. nib health fund limited ABN 83 000 124 381 (nib) has appointed Australian Pensioners Insurance Agency Pty Ltd (Apia) ABN 14 099 650 996 as its authorised agent to promote and distribute this health cover on nib's behalf, for which Apia receives a commission.