Your browser version is no longer supported, so you may experience issues while using this site.
Please upgrade to a current browser to enjoy the best experience.
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.
What is private health insurance?
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, 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.
Medicare Levy Surcharge
§ Price calculated on: a single living in VIC, an Australian Government Rebate Tier of 0, customer aged 65-69, 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.
*This Offer is only available to new customers who take out a combined Apia Hospital & Extras policy by 11:59pm AEST 29 February 2020. The Offer consists of waiving the 2 & 6 month waiting period for Eligible Customers on all Extras services that normally require a 2 or 6 month waiting period under the Eligible Product. Longer waiting periods may apply for some services. Waiting periods already served with your current health insurance fund will be recognised and you won't have to re-serve those waiting periods on equivalent services. The Offer will be fulfilled at the time the Eligible Customer takes out the Eligible Product. Not available to existing AAMI, nib, Apia, Suncorp, GU Health or Qantas Health Insurance customers or to previous policyholders who have joined and cancelled 6 months before or during the offer period. 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.