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 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 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
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 (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.