(before any rebate, loading or discount)
Covers one adult & dependants, including non-student dependants (2 or more people, only one of whom is an adult)
Available in Northern Territory
# You may be entitled to an Australian Government rebate on the above premium. Your premium may also include a Lifetime Health Cover loading, an age-based discount or an insurer discount. Check with your insurer for details.
This policy covers children up to and including the age of 17, students up to and including the age of 24 and non-students up to and including the age of 30, as well as persons with a disability who qualify as a child, student or non-student in these age ranges.
This policy exempts you from the Medicare Levy Surcharge.
This policy provides accident cover - check with your insurer for details.
This policy does not provide benefits for travel or accommodation (outside of hospital).
| Blood | Eye (not cataracts) | Pain management |
| Bone, joint and muscle | Gastrointestinal endoscopy | Plastic and reconstructive surgery (medically necessary) |
| Brain and nervous system | Gynaecology | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
| Breast surgery (medically necessary) | Hernia and appendix | Skin |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Joint reconstructions | Tonsils, adenoids and grommets |
| Dental surgery | Kidney and bladder | Hospital psychiatric services |
| Diabetes management (excluding insulin pumps) | Lung and chest | Palliative care |
| Digestive system | Male reproductive system | Rehabilitation |
| Ear, nose and throat | Miscarriage and termination of pregnancy |
| Assisted reproductive services | Heart and vascular system | Pain management with device |
| Back, neck and spine | Implantation of hearing devices | Pregnancy and birth |
| Cataracts | Insulin pumps | Sleep studies |
| Dialysis for chronic kidney failure | Joint replacements | Weight loss surgery |
The benefits paid for hospital treatment will depend on the type of cover you purchase and whether your fund has an agreement in place with the hospital in which you are treated. See ‘Agreement Hospitals’ on privatehealth.gov.au for which hospitals have arrangements with your insurer – https://privatehealth.gov.au/dynamic/agreementhospitals.
Under this policy, you may have to pay out-of-pocket costs above what you get from Medicare or your private health insurer. Before you go to hospital, you should ask your doctors, hospital and health insurer about any out-of-pocket costs that may apply to you.
Excess: You will have to pay an excess on admission. This is limited to a maximum of $750 per person and $750 per policy per year.
Excess payments do not apply to hospital admissions for dependants.
Co-payments: No co-payments
Waiting periods:
This provider offers 'known gap' or 'no gap' cover for medical bills for this product.
The Medical Costs Finder lets you find out more about the cost of specialist medical services.
All policies include membership to AIA Vitality, the science-backed health and wellbeing program that rewards you for looking after your health. If you have held an AIA Health Insurance policy for a minimum of six months and have an AIA Vitality status of Silver or above, we will refund $500 of your excess (Excess Refund) in the event that you’re admitted to hospital.
Members can receive up to 50% back on dental services, No Gap Dental on selected preventative dental services & lower treatment costs at smile.com.au dentists. See https://www.aia.com.au/en/products/health-insurance/find-a-provider.
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
|---|---|---|---|
| General dental | 2 | $700 per person (combined limit for general dental, major dental & endodontic) | Periodic oral examination - $30.00 Scale & clean - $51.00 Fluoride treatment - $22.00 |
| Major dental | 12 | Surgical tooth extraction - $111.00 Full crown veneered - $500.00 | |
| Endodontic | 12 | Filling of one root canal - $121.00 | |
| Optical | 6 | $200 per person up to $400 per policy | Single vision lenses & frames - 100% of charge Multi-focal lenses & frames - 100% of charge |
| Physiotherapy | 2 | $350 per person up to $700 per policy (combined limit for physiotherapy & exercise physiology) | Initial visit - $40.00 Subsequent visit - $30.00 |
| Chiropractic | 2 | $350 per person up to $700 per policy (combined limit for chiropractic & osteopathy) | Initial visit - $40.00 Subsequent visit - $30.00 |
| Psychology | 2 | $100 per person | Initial visit - $50.00 Subsequent visit - $25.00 |
| Acupuncture | 2 | $150 per person up to $300 per policy (combined limit for acupuncture & remedial massage) | Initial visit - $35.00 Subsequent visit - $30.00 |
| Remedial massage | 2 | Initial visit - $35.00 Subsequent visit - $30.00 | |
| Dietetics/dietary advice | 2 | $100 per person (combined limit for dietetics/dietary advice & health management / healthy lifestyle) | Initial visit - $40.00 Subsequent visit - $40.00 |
| Exercise physiology | 2 | Combined limit - see Physiotherapy | Initial visit - $40.00 Subsequent visit - $30.00 |
| Health management / Healthy lifestyle | 2 | Combined limit - see Dietetics/dietary advice | Health management - $40.00 |
| Osteopathy | 2 | Combined limit - see Chiropractic | Initial visit - $45.00 Subsequent visit - $35.00 |
| Health Checks such as mammograms, bowel cancer testing kit, prostate cancer checks and skin cancer checks are also covered under this policy. $50 per health check, per person, up to the annual limit of $100. Psychology benefit includes counselling services. | |||
| Blood glucose monitors | Non PBS pharmaceuticals | Podiatry |
| Hearing aids | Orthodontic | Other treatments - check with your insurer |
In Northern Territory this policy provides:
Emergency: Unlimited with a waiting period of 1 day.
Call-out fees: will be paid for each attendance, including emergency treatment without transport to hospital.
Cover for call-out fees where you're not taken to hospital are limited to 2 x ambulance attendances per insured person, per calendar year.
The information contained in this Private Health Information Statement was provided by the insurer and is intended as general information. It may not take into account your particular circumstances. For information please contact the insurer.
For information on what is covered under each category, see https://www.privatehealth.gov.au/categories
Restricted categories partially cover your hospital costs as a private patient in a public hospital. You may incur significant expenses in a private room or private hospital.
These categories are not covered by this policy.