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Health Insurance

Skip 2 & 6 month waits on Extras when you take out any new combined Hospital & Extras cover* before February 29.

Login to my Apia health


  • Claim online
  • Update your policy
  • Check your remaining benefit
  • Review your claims history

Start with Hospital Cover

Select or combine Hospital cover and extras to suit you

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, 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

Medicare Levy Surcharge

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 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.