Before you pay for Silver Plus
Silver Plus Advanced Hospital adds cataracts and other categories compared with Silver Hospital. What the hospital cover step costs depends on your household, state and excess.
AIA health insurance
Is it a good health insurer?
AIA has 8 hospital and 3 extras policies in our comparison, from $95.69 a month for hospital cover (Single · NSW · $500 hospital excess, after rebate).
Issued by AIA Health Insurance Pty Ltd. Hospital, extras or both.
Explore 8 hospital and 3 extras products, or find cover by treatment. Sources for AIA
Reviewed, Edited and Designed by
Grace Connolly
Created with AI assistance
Page updated 27 October 2026 · Prices effective 17 September 2026
I need cover for…
AIA cover: the main choices.
Compare hospital inclusions
Before you pay for Silver
Silver Hospital adds back, neck and spine treatment and other categories compared with Bronze Plus Essential Hospital. What the hospital cover step costs depends on your household, state and excess.
AIA policies and example prices.
The profile you choose updates the AIA price tables, hospital shortlist and alternative-policy comparison below.
Single · NSW · $500 hospital excess · example premiums after rebate.
Monthly examples include the 24.118% government rebate, the maximum for adults under 65. Your rebate and final quote may differ.
Need an AIA price for your circumstances? Compare AIA with cover across all Australian health funds.
Compare my optionsHospital cover
8 product lines
$72.03 more per month for Silver Plus Advanced Hospital versus Silver Hospital after rebate for the selected example profile.
Cataracts is an additional inclusion, not the complete list of differences.
Extras cover
3 product lines
AIA also sells other extras covers only as part of a package with AIA hospital cover.
What does AIA hospital insurance cover?
2 AIA hospital policies fully cover cataracts
Single · NSW · $500 hospital excess. Only policies that fully include cataracts are shown. How we read hospital categories
Compare selected treatment categories across all 8 hospital policies
Selected AIA treatment categories.
More premium does not mean more back on everything.
AIA extras limits per 12 months unless the statement says otherwise
Single-policy examples. Each links to its policy statement.
Base Set Extras Only → Base 55% Back Extras Only
Both single-policy examples have a $150 optical limit. But the upgrade raises the shared physio limit from $250 to $300.The reason to upgrade is the wider benefits you need, not an assumption that every cap rises.
Good 65% Back Extras Only's higher benefit examples
The optical examples stay at 100%, with a $200 optical limit and $400 shared physio limit for the Single-policy example.Compare these benefits with the premium.
Why AIA's shared limits and waiting periods matter
Every optical benefit shown has a standard waiting period of 6 months.
AIA vs. Australian Unity vs. ahm
How AIA compares with similar hospital policies.
These are selected Silver Plus examples from Australian Unity and ahm, not identical policies or a search for the cheapest cover across the market.
Comparing AIA Silver Plus Advanced Hospital with Australian Unity Assured Hospital (Silver Plus) and ahm Super Silver Plus. Single · NSW · $500 hospital excess · Silver Plus hospital cover
AIA and selected alternatives: monthly prices and verified coverage differences.
What the differences mean for you
All 38 treatment categories have the same status for these policies. That does not mean the policies have identical terms or out-of-pocket costs.
These alternatives match AIA Silver Plus Advanced Hospital on tier, cataracts and joint replacements. How we choose alternatives
Compare all 38 hospital treatment categories
AIA and the alternatives: all 38 treatment categories, policy information as at 26 October 2026.
Compare AIA with cover from every Australian health fund.
AIA against the industry.
AIA members had no gap on 83.9% of in-hospital medical services in the 2024-25 financial year, against 87.1% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
AIA paid 44.3% of members' extras (general treatment) charges in the 2024-25 financial year, against 50.7% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
AIA increased premiums by an average of 5.98% in 2026, against 4.41% across the industry. Government premium-increase figures · accessed 23 October 2026
4.8 / 5
1,911 Google reviews
Voluntary customer reviews · AIA Health Insurance
Snapshot: 26 October 2026. This is the Google listing for AIA Health Insurance, not a rating of AIA as a whole or a representative survey.
Complaint share is above market share
Share of all complaints, 2024-251.6%
Market share, 30 June 20250.5%
0%12%
State of the Health Funds Report 2024-25 · checked 26 October 2026
AIA's share of complaints the Ombudsman received in 2024-25 is above its market share at 30 June 2025. Its share of complaints the Ombudsman investigated that year is 4.5%.
Latest quarter, January to March 2026. The Ombudsman referred 18 complaints about AIA Health Insurance Pty Ltd to it to resolve, 2.7% of those it referred about all insurers, and investigated none. Ombudsman Quarterly Update · checked 26 October 2026
App Store
4.8 / 5
105 App Store ratingsAIA Health Australia app · AIA AUSTRALIA LIMITED
Snapshot: 22 October 2026. AIA Health Australia is AIA's own app. This rates the app on the Australian App Store, not AIA's cover or claims.
Google Play
2.4 / 5
72 Google Play reviewsAIA Health Australia app · AIA Australia
Snapshot: 22 October 2026. AIA Health Australia is AIA's own app. This rates the app on Google Play, not AIA's cover or claims. This small sample may not reflect the experience of most members.
Check the practical details.
Check your provider
Confirm that AIA recognises your provider. Ask for a treatment plan and item numbers so AIA can estimate your benefits and out-of-pocket costs.
Make or track a claim
Use AIA's health claims guidance for receipts, claim tracking and remaining benefits.
Contact AIA
For quotes, call 133 242. Monday to Friday 9am to 5pm (AEST/AEDT), excluding public holidays.Contact details checked 22 October 2026.Official contact details and messaging options
Before you choose AIA.
Can younger adults get a discount with AIA?
AIA offers age-based discounts to eligible younger adults. Check the discount on your quote and how it changes as you get older.
Source: AIA fund rules, checked 26 October 2026.
What is the cheapest AIA hospital policy?
Basic Accident Only Hospital is the cheapest AIA hospital policy for a single person in NSW with a $500 hospital excess, at $95.69 a month after the 24.118% government rebate for adults under 65 (prices effective 17 September 2026). This compares all 8 AIA hospital policies, not the whole market. Check what it excludes before choosing on price.
Source: How we compare prices, checked 26 October 2026.
What changes if I move from Bronze Plus Essential Hospital to Silver Hospital?
AIA Silver Hospital adds cover for heart and vascular system, implantation of hearing devices and 2 more categories compared with Bronze Plus Essential Hospital. For the Single / NSW / $500 excess example it costs $30.87 more a month, so check what each policy covers before you upgrade.
Source: Private Health Information Statements, checked 26 October 2026.
Sources for AIA.
Policy information retrieved 26 October 2026. Prices effective 17 September 2026.
Private Health Information Statements · AIA · checked 26 October 2026
State of the Health Funds Report 2024-25 · AIA · checked 26 October 2026
Government insurer profile · AIA · checked 22 October 2026
Government premium-increase figures · AIA · checked 23 October 2026
Government rebate rates and eligibility · Australian Government · checked 26 October 2026
Google listing for AIA Health Insurance · AIA · checked 26 October 2026
App Store listing for AIA Health Australia · AIA AUSTRALIA LIMITED · checked 22 October 2026
Google Play listing for AIA Health Australia · AIA Australia · checked 22 October 2026
Official contact details · AIA · checked 22 October 2026
AIA fund rules · AIA · checked 26 October 2026
All policies by cover type
Hospital (8)
Hospital and extras (64)
- Basic Accident Only Hospital and Base 50% Back Extras
- Basic Accident Only Hospital and Base Set Extras
- Basic Accident Only Hospital and Base Set Extras (with Optical)
- Basic Accident Only Hospital and Better Set Extras
- Basic Accident Only Hospital and Good 50% Back Extras
- Basic Accident Only Hospital and Good Set Extras
- Basic Plus Hospital and Base 50% Back Extras
- Basic Plus Hospital and Base Set Extras
- Basic Plus Hospital and Base Set Extras (with Optical)
- Basic Plus Hospital and Better Set Extras
- Basic Plus Hospital and Good 50% Back Extras
- Basic Plus Hospital and Good Set Extras
Show 52 more
- Bronze Hospital and Base 50% Back Extras
- Bronze Hospital and Base Set Extras
- Bronze Hospital and Base Set Extras (with Optical)
- Bronze Hospital and Better 60% Back Extras
- Bronze Hospital and Better Set Extras
- Bronze Hospital and Good 50% Back Extras
- Bronze Hospital and Good Set Extras
- Bronze Hospital and Lite FlexiExtras
- Bronze Plus Essential Hospital and Base 50% Back Extras
- Bronze Plus Essential Hospital and Base Set Extras
- Bronze Plus Essential Hospital and Base Set Extras (with Optical)
- Bronze Plus Essential Hospital and Better 60% Back Extras
- Bronze Plus Essential Hospital and Better Set Extras
- Bronze Plus Essential Hospital and Good 50% Back Extras
- Bronze Plus Essential Hospital and Good Set Extras
- Bronze Plus Essential Hospital and Lite FlexiExtras
- Bronze Plus Essential Hospital and Mid FlexiExtras
- Silver Hospital and Base 50% Back Extras
- Silver Hospital and Base Set Extras
- Silver Hospital and Base Set Extras (with Optical)
- Silver Hospital and Best 70% Back Extras
- Silver Hospital and Better 60% Back Extras
- Silver Hospital and Better Set Extras
- Silver Hospital and Good 50% Back Extras
- Silver Hospital and Good Set Extras
- Silver Plus Advanced Hospital and Base 50% Back Extras
- Silver Plus Advanced Hospital and Base Set Extras
- Silver Plus Advanced Hospital and Base Set Extras (with Optical)
- Silver Plus Advanced Hospital and Best 70% Back Extras
- Silver Plus Advanced Hospital and Better 60% Back Extras
- Silver Plus Advanced Hospital and Better Set Extras
- Silver Plus Advanced Hospital and Good 50% Back Extras
- Silver Plus Advanced Hospital and Good Set Extras
- Silver Plus Advanced Hospital and High FlexiExtras
- Silver Plus Advanced Hospital and Lite FlexiExtras
- Silver Plus Advanced Hospital and Mid FlexiExtras
- Silver Plus Advanced Hospital and Top FlexiExtras
- Silver Plus Family Hospital and Base 50% Back Extras
- Silver Plus Family Hospital and Best 70% Back Extras
- Silver Plus Family Hospital and Better 60% Back Extras
- Silver Plus Family Hospital and Good 50% Back Extras
- Silver Plus Hospital and Base 50% Back Extras
- Silver Plus Hospital and Base Set Extras
- Silver Plus Hospital and Base Set Extras (with Optical)
- Silver Plus Hospital and Best 70% Back Extras
- Silver Plus Hospital and Better 60% Back Extras
- Silver Plus Hospital and Better Set Extras
- Silver Plus Hospital and Good 50% Back Extras
- Silver Plus Hospital and Good Set Extras
- Silver Plus Hospital and High FlexiExtras
- Silver Plus Hospital and Lite FlexiExtras
- Silver Plus Hospital and Mid FlexiExtras
Overseas visitors (2)
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