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Health Insurance

Get $150 off when you take out any new combined Hospital & Extras cover* before August 31

COVID-19 Response

This year's premium increase has been postponed until 1 October 2020. Coverage for COVID-19 treatment has also been expanded, and several member support options made available.

Find out more

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Start with Hospital Cover

Select or combine Hospital cover and extras to suit you

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Silver Hospital

$25.97§/week

29 claimable services

Cover that includes many commonly claimed services.

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Silver Hospital Plus

$34.56§/week

31 claimable services

Includes all cover from Silver Hospital, plus Cataracts and Joint replacements.

Silver Premium Hospital Plus

$35.12§/week

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

$6.53§/week

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

$9.77§/week

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

$24.14§/week

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 www.ato.gov.au

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 www.ato.gov.au

§ 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 members who take out a combined Apia Health Insurance Hospital & Extras policy by 11:59pm AEST 31 August 2020. Not available to existing health insurance policyholders with AAMI, Apia, Suncorp, 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 Eligible Member will receive $150 Off the premium payable. The $150 Off will be fulfilled after the policy has been held for 60 consecutive days from the end of the month that the Eligible Product was purchased in, providing the policy has been paid up to 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. Read the policy booklet before buying this insurance. Click here for a copy.