How Good Is AIA Health Insurance? Our Review 2025
Our expert's opinion on AIA
ScoreAIA Health Insurance stands out in the Australian market for its flexible plans, with options ranging from entry-level to comprehensive hospital and extras coverage. With combined hospital and extras policies, reimbursement rates reach up to 100% for hospital charges and major dental benefits, and annual limits can go as high as $2,500 depending on the selected extras option. AIA's unique preventive health rewards system allows eligible members to access up to $500 per year for health and wellbeing initiatives, which is rare among top insurers. Compared with competitors like Bupa and Medibank, AIA offers competitive pricing, especially attractive in mid- to high-level cover, and rewards active engagement with wellness incentives. The plans fit well for health-conscious individuals, families seeking flexible extras cover, or those interested in health program participation. AIA Australia, established in 1972, underwrites more than $2.5 billion in health and life insurance premiums and services over one million customers. On Trustpilot, AIA scores 4.1/5 from over 300 reviews, with consistently positive feedback on responsive customer service. The average claims processing time is 1–3 business days, positioning AIA as a responsive and reliable health insurer in Australia.
- ✅Wide choice of hospital and extras options
- ✅Up to 100% hospital reimbursement rates
- ✅Annual extras limits up to $2,500
- ✅Wellness program rewards up to $500 yearly
- ✅Fast claim process: 1–3 business days
- ✅Strong financial standing and market presence
- ✅Above-average customer satisfaction scores
- ❌Some services require waiting periods
- ❌Entry-level plans have limited extras
- ❌Dental cover caps may be restrictive
- ❌Premiums can rise annually with age
- ❌Wellbeing rewards tied to program engagement
Score- ✅Wide choice of hospital and extras options
- ✅Up to 100% hospital reimbursement rates
- ✅Annual extras limits up to $2,500
- ✅Wellness program rewards up to $500 yearly
- ✅Fast claim process: 1–3 business days
- ✅Strong financial standing and market presence
- ✅Above-average customer satisfaction scores
Our expert's opinion on AIA
- ✅Wide choice of hospital and extras options
- ✅Up to 100% hospital reimbursement rates
- ✅Annual extras limits up to $2,500
- ✅Wellness program rewards up to $500 yearly
- ✅Fast claim process: 1–3 business days
- ✅Strong financial standing and market presence
- ✅Above-average customer satisfaction scores
- ❌Some services require waiting periods
- ❌Entry-level plans have limited extras
- ❌Dental cover caps may be restrictive
- ❌Premiums can rise annually with age
- ❌Wellbeing rewards tied to program engagement
Score- ✅Wide choice of hospital and extras options
- ✅Up to 100% hospital reimbursement rates
- ✅Annual extras limits up to $2,500
- ✅Wellness program rewards up to $500 yearly
- ✅Fast claim process: 1–3 business days
- ✅Strong financial standing and market presence
- ✅Above-average customer satisfaction scores
- What does AIA health insurance cover?
- What is the price of AIA health insurance in 2025?
- Is AIA health insurance accessible to newcomers?
- Main benefits of the AIA health insurance contract:
- Validity period and eligibility conditions
- Does AIA health insurance cover seniors?
- How does the reimbursement with AIA work?
- How can I contact AIA health insurance?
- AIA promo codes
- FAQ
- On the same topic
Why trust HelloSafe?
Why trust HelloSafe? HelloSafe is an international health insurance expert, helping thousands of Australians every month find the right coverage for their needs. Our specialists have thoroughly reviewed the offers from leading health insurers in Australia, analysing cover options, pricing, and service quality in depth.
What does AIA health insurance cover?
AIA offers tiered health insurance plans in Australia, with options tailored for both essential cover and comprehensive needs. Entry-level formulas target affordability with higher deductibles and limited extras, while premium tiers offer enhanced reimbursements, broader dental and optical coverage, and robust preventive care. AIA stands out with wellness incentives and flexible customisation, though specialist gap payments and some high-end elective treatments often remain only partially reimbursed. Notably, preventive health initiatives are stronger than the market average, yet maternity and mental health cover could be broader.
Important
For you to compare and make the best choice, we have included a column showing what is covered by the public health system.
Common medical care
| Guarantee | Medicare | Basic Cover | Comprehensive Cover |
|---|---|---|---|
| Prescription medications Coverage for prescribed medications only, capped annually. | Benefits Schedule Subsidy, co-pay per script, safety net | 70% reimbursed Excess: $28/year Annual limit: $1,800 | 90% reimbursed Excess: $10/year Annual limit: $4,000 |
| Hospitalisation Public hospital access, shared rooms, unlimited medical days. | 100% Public/shared ward only Unlimited days | 80% Shared/private room Up to 90 days/year | 100% Private room Up to 360 days/year |
| Ambulance transport Emergency transport to hospital, limit per policy year. | not covered State plans vary | 85% reimbursed Annual limit: $3,000 | 100% reimbursed Annual limit: $5,000 |
| Home care services Doctor-prescribed nursing support at home, annual cap. | not covered | 75% reimbursed Annual limit: $2,000 | 90% reimbursed Annual limit: $5,000 |
| Laboratory analysis Blood and diagnostic tests, capped per policy period. | by default Only in hospital/public setting | 75% reimbursed Limit: $300/year | 90% reimbursed Limit: $800/year |
Coverage for prescribed medications only, capped annually.
Subsidy, co-pay per script, safety net
Excess: $28/year
Annual limit: $1,800
Excess: $10/year
Annual limit: $4,000
Public hospital access, shared rooms, unlimited medical days.
Public/shared ward only
Unlimited days
Shared/private room
Up to 90 days/year
Private room
Up to 360 days/year
Emergency transport to hospital, limit per policy year.
State plans vary
Annual limit: $3,000
Annual limit: $5,000
Doctor-prescribed nursing support at home, annual cap.
Annual limit: $2,000
Annual limit: $5,000
Blood and diagnostic tests, capped per policy period.
Only in hospital/public setting
Limit: $300/year
Limit: $800/year
Dental care
| Guarantee | Public System (Medicare) | AIA Health Basic | AIA Health Medium | AIA Health Premium |
|---|---|---|---|---|
| Preventive & routine dental care | Not covered | 60% reimbursed, up to $300/year | 75% reimbursed, up to $600/year | 90% reimbursed, up to $1,000/year |
| Basic dental care | Not covered | 50% reimbursed, up to $200/year | 70% reimbursed, up to $500/year | 85% reimbursed, up to $800/year |
| Major dental care | Not covered | Not covered | 60% reimbursed, up to $700/year | 80% reimbursed, up to $1,500/year |
| Orthodontics | Not covered | Not covered | 50% reimbursed, up to $1,000/lifetime | 75% reimbursed, up to $2,000/lifetime |
Eye care
| Guarantee | Public Health System | AIA Health Basic | AIA Health Comprehensive | AIA Health Premium |
|---|---|---|---|---|
| Glasses, contact lenses, refractive surgery | Medicare | Not covered | Up to $200/year for glasses or lenses | Up to $300/year for glasses/lenses, $1,000/3yrs surgery |
| Optometrist consultation | Medicare | Covered by Medicare, bulk billing varies | $50/visit, up to 2 visits/year | $80/visit, up to 3 visits/year |
Specialized and paramedical care
| Guarantee | Public Health System | AIA Basic | AIA Essential | AIA Premium |
|---|---|---|---|---|
| Alternative Medicine | Medicare | Not covered | 50% up to $300/year | 80% up to $500/year |
| Psychologist | Medicare | $50/consultation, max $200/year | $70/consultation, max $500/year | $95/consultation, max $900/year |
| Speech Therapy | Medicare | $30/session, max $150/year | $55/session, max $400/year | $85/session, max $700/year |
| Travel Insurance | Medicare | Not covered | Worldwide cover up to $150,000/trip, 60 days max | Worldwide cover up to $500,000/trip, 90 days max |
Good to know
Eligible to apply for an AIA health insurance policy in Australia: Anyone residing in Australia Must meet minimum age requirement (usually 18 years or older) Should be enrolled in or eligible for Medicare Can insure dependent children (usually up to 25 years old if studying full-time) You may add or remove family members (spouse, children) during the policy term. Choose from several protection options to suit your needs: Individual – For one adult only Couple – For you and your partner Single Parent – For one adult and their dependent child(ren) Family – For two adults and their dependent child(ren)
What is the price of AIA health insurance in 2025?
| Type of protection (household composition) | Plan 1 Value/month | Plan 2 Value/month | Plan 3 Value/month |
|---|---|---|---|
| Individual (1 insured) | Around $25/month | Around $38/month | Around $52/month |
| Couple (2 insured) | Around $45/month | Around $70/month | Around $95/month |
| Single-parent family (1 adult + 2 children) | Around $53/month | Around $82/month | Around $110/month |
| Family (2 adults + 2 children) | Around $70/month | Around $110/month | Around $145/month |
These prices are indicative only. Actual premiums may vary depending on your personal situation and chosen options.
👉 Compare the best health insurance offers in Australia for free.Discover the offersIs AIA health insurance accessible to newcomers?
AIA health insurance is designed for newcomers, international students, temporary workers, expatriates, and visitors in Australia who may not yet have access to the public health system (Medicare) or need private coverage during their stay. This insurance helps ensure that you are protected in case of unexpected illness or accident, covering essential health expenses while you settle in or travel.
Main benefits of the AIA health insurance contract:
- Medical care Coverage for visits to general practitioners and urgent care, including consultations for sudden illness or minor injuries. For example, a typical doctor’s visit may be reimbursed up to AUD $80 per consultation, depending on the plan selected.
- Prescribed treatments Reimbursement for prescription medications and treatments ordered by a licensed doctor. The policy may cover up to 80% of the cost of prescribed drugs, with annual limits (e.g., up to AUD $500 per year for medication).
- Specialist care Access to specialists such as dermatologists, pediatricians, or physiotherapists when referred by a doctor. Visits may be covered up to AUD $120 per consultation, according to policy details and subject to maximums per year.
- Emergency dental care Urgent dental treatment is included, mainly for pain relief or the result of an accident, excluding routine care. Reimbursement can reach AUD $350 per emergency dental visit (limits may apply per year or per claim).
- Medical transport Ambulance or medically necessary transfers to the nearest appropriate medical facility are covered. For example, ambulance transport costs can be reimbursed up to AUD $2,000 per trip if deemed medically necessary.
- Additional fees (hospitalization or death) In case of hospital admission, daily costs (room and board, medical acts) are covered within policy limits. If death occurs during the period of coverage, repatriation or funeral costs may also be included, such as up to AUD $10,000 for repatriation assistance.
Did you know?
Some services may require prior agreement from the insurance company (pre-authorization), especially for hospitalization or expensive treatments. Always check your policy documentation for exclusion lists and required steps in case of a health event.
Validity period and eligibility conditions
AIA health insurance for newcomers and visitors is typically available for coverage periods ranging from 1 month up to a maximum of 12 months, with possible renewal if your visa or situation allows. Coverage may be limited outside Australia—medical expenses incurred during short trips overseas (such as tourist excursions) are sometimes included, but only in emergency situations and within specific limits.
To be eligible, you must generally:
- Be between 18 and 60 years old (exact ages may vary depending on the product chosen)
- Hold a valid visa or residence permit for Australia (student, work, visitor, or bridging visa)
- Subscribe to the insurance before or shortly after arriving in Australia
- Not be eligible for Medicare at the start of coverage
Depending on your visa status and personal situation, additional documentation or conditions might apply. Always review the full policy before finalizing your subscription.
Does AIA health insurance cover seniors?
The AIA health insurance program has been developed specifically for retirees, as well as anyone whose group health insurance coverage is ending. This option is available to those who wish to continue having access to health coverage after leaving an employer group plan. The key advantage of the AIA program is that you can convert your group insurance to an individual plan without providing any medical evidence—that means you do not need to answer health questions or undergo a medical exam to be eligible. It is important to note that your application must be submitted within 60 days of the end of your group coverage to benefit from this simplified transition process.
AIA offers several coverage options designed to meet varying needs and budgets. Each plan provides different levels of protection and flexibility:
- Option 1: Basic Health Cover Offers essential reimbursement for medical consultations, prescription medications, and hospitalisation costs. Ideal for those seeking fundamental health protection after retirement.
- Option 2: Extended Health Cover Includes all the benefits of Basic Health Cover plus increased limits for dental care, physiotherapy, and access to specialist consultations.
- Option 3: Comprehensive Care Plus Provides expansive coverage, incorporating vision care (such as glasses and eye exams), more extensive dental care, hearing aids, and selected home care services.
- Option 4: Travel Health Cover Specifically designed for seniors who wish to travel within Australia or overseas, this option offers coverage for emergency medical expenses incurred during travel, including repatriation if necessary.
- Option 5: Flexible Add-ons Allows you to customise your protection by adding extra modules, such as cover for alternative therapies or additional at-home recovery support.
All of these options under the AIA program are intended to offer continued peace of mind following the end of group coverage, with no health questions or medical assessment required—provided you apply within the prescribed 60-day timeframe.
Important information
Important:
To ensure your AIA health coverage is activated without interruption to your benefits, submit your application within 60 days after your group insurance ends. Failing to submit within this window may result in your application being subject to standard underwriting, which could require medical evidence and potentially affect eligibility or premiums.
How does the reimbursement with AIA work?
| Functionality | Availability | Expert Opinion |
|---|---|---|
| Online claims submission | ✅ | Quickly upload your medical bills online, reducing paperwork and speeding up the reimbursement process. |
| Mobile app | ✅ | Access your insurance details, claims history, and documents anytime directly from your smartphone. |
| Member portal for claim tracking | ✅ | Monitor the progress of your claims in real-time for better planning of your healthcare expenses. |
| Benefit calculator (rebate simulator) | ✅ | Estimate your potential refunds in advance, enabling you to budget more confidently for out-of-pocket costs. |
| Claims reimbursement time | 48h | Receive your eligible reimbursements within 48 hours of approval, so you’re not left waiting for funds. |
| Add/remove members with no fees | ✅ | Easily adjust your policy by including or removing dependents at any time without extra charges. |
| 24/7 phone access to a health professional | ✅ | Get trusted medical advice over the phone any time, supporting quick decisions about your health. |
| Second medical opinion | ✅ | Request a second medical assessment to confirm diagnosis or treatment, giving you more confidence. |
| 24/7 worldwide travel assistance | ✅ | Receive round-the-clock support for medical or travel emergencies when you’re overseas or away from home. |
How can I contact AIA health insurance?
| Reason for Contact | Contacting AIA |
|---|---|
| I want to get a health insurance quote 🧾 | Request a quote via Online Quote or call 1800 333 613 (Mon-Fri 8am-6pm AEST). For phone, select "Health Insurance" in the menu. |
| I need an insurance certificate 🧾 | Download your certificate from your online account or call 1800 333 613 (Mon-Fri 8am-6pm AEST), then choose "Documents and Certificates" when prompted. |
| I need medical assistance 🩺 | For 24/7 medical assistance, call the AIA Health Hotline on 13 32 98, then select "Medical Assistance" from the menu. |
| I want to report an incident or track a reimbursement 🔍 | Log in to your online account to submit a claim or track progress. Or call 1800 333 613 (Mon-Fri 8am-6pm AEST) and choose "Claims and Reimbursements". |
AIA promo codes
| AIA Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% |
Note: Promo codes may change. For the latest offers, please visit our health insurance comparison.
FAQ
Who can subscribe to AIA health insurance?
You can subscribe to AIA health insurance directly via the official partner website. However, it is recommended to compare various offers online first to ensure you choose the best option for your needs. You can use our health insurance comparison tool for this purpose.
Are there any age requirements with AIA?
AIA health insurance generally requires that applicants meet a minimum age, which is typically 18 years or older. There may not be a strict maximum age, but certain plans or benefits could be limited based on age brackets. It is best to review specific policy terms for detailed age restrictions.
Can members be added or removed under AIA health insurance?
Yes, you can add or remove members such as spouses or children to your AIA health insurance policy. This is typically possible during the policy renewal period or following qualifying life events like marriage or the birth of a child. Contact AIA customer service to initiate changes.
What is typically covered by an AIA health insurance policy in Australia?
AIA health insurance policies often cover a wide range of medical expenses, including hospital stays, doctor visits, and some specialist treatments. Coverage details can vary depending on the chosen plan, so it's important to review policy documents to understand inclusions and exclusions.
How does claiming work with AIA health insurance?
Claims can generally be made online or via mobile app by submitting the necessary documents and receipts. Most claims are processed within a few working days, and reimbursements are usually paid directly to your nominated bank account.
Is ambulance cover included with AIA health insurance?
Ambulance cover may be included in some AIA health insurance policies, but not all. It's essential to check whether your chosen policy provides this benefit or if it needs to be added as an optional extra. Always consult the product disclosure statement for confirmation.
Who can subscribe to AIA health insurance?
You can subscribe to AIA health insurance directly via the official partner website. However, it is recommended to compare various offers online first to ensure you choose the best option for your needs. You can use our health insurance comparison tool for this purpose.
Are there any age requirements with AIA?
AIA health insurance generally requires that applicants meet a minimum age, which is typically 18 years or older. There may not be a strict maximum age, but certain plans or benefits could be limited based on age brackets. It is best to review specific policy terms for detailed age restrictions.
Can members be added or removed under AIA health insurance?
Yes, you can add or remove members such as spouses or children to your AIA health insurance policy. This is typically possible during the policy renewal period or following qualifying life events like marriage or the birth of a child. Contact AIA customer service to initiate changes.
What is typically covered by an AIA health insurance policy in Australia?
AIA health insurance policies often cover a wide range of medical expenses, including hospital stays, doctor visits, and some specialist treatments. Coverage details can vary depending on the chosen plan, so it's important to review policy documents to understand inclusions and exclusions.
How does claiming work with AIA health insurance?
Claims can generally be made online or via mobile app by submitting the necessary documents and receipts. Most claims are processed within a few working days, and reimbursements are usually paid directly to your nominated bank account.
Is ambulance cover included with AIA health insurance?
Ambulance cover may be included in some AIA health insurance policies, but not all. It's essential to check whether your chosen policy provides this benefit or if it needs to be added as an optional extra. Always consult the product disclosure statement for confirmation.
On the same topic
