Health Insurance

Base 55% Back Extras Only

Compare 532 AIA Health Insurance policies. Prices shown for: Single, NSW, Age 30, $500 excess.

AIA Health Insurance logo

AIA Health Insurance

Base 55% Back Extras Only

$46.00

Excess

Extras claim back

55%

Why this cover

Extras Cover
  • Dental
  • Optical
  • Physiotherapy
  • Chiropractic
Pricing & Value
Monthly premium from
$46.00
Excess
$0
smile.com.au benefit
55% back
Below Average Service Record2.82× average complaint rate · July–September 2025Source: Private Health Insurance Ombudsman (PHIO) Quarterly Report, July–September 2025

Inclusions

Waiting periods recognised

Change your mind within 30 days

We do all the paperwork for you

AIA Vitality Premium Rewards

Earn up to $240 off your health insurance each AIA Vitality membership year by reaching Silver, Gold or Platinum AIA Vitality Status. Reach Silver Status (10,000 points) to unlock rewards and get premium credits automatically applied to your health insurance policy. Customers on AIA Vitality Starter will earn $40 per status level, up to a maximum of $120, and customers on AIA Vitality will earn $80 per status level, up to $240. Premium rewards are only eligible to be used as a premium credit on your AIA Health insurance policy.

Hospital Cover

Extras Cover

11 covered16 not covered
smile.com.au Advantage100% back on up to two dental check-ups per year at a smile.com.au dentist
General Dental
$500/policy2 mo
Periodic Exam: 55% backScale & Clean: 55% backFluoride: 55% back
Endodontic
-
Major Dental
-
Orthodontic
-
Optical
$150/policy6 mo
Single Vision Lenses: 100% backMulti-Focal Lenses: 100% back
Orthoptics
-
Acupuncture
$100/policy2 mo
1st visit: 55% backNext visit: 55% back
Chiropractic
$300/policy2 mo
1st visit: 55% backNext visit: 55% back
Exercise Physiology
$300/policy2 mo
1st visit: 55% backNext visit: 55% back
Osteopathy
$300/policy2 mo
1st visit: 55% backNext visit: 55% back
Physiotherapy
$300/policy2 mo
1st visit: 55% backNext visit: 55% back
Psychology
$150/policy2 mo
1st visit: 55% backNext visit: 55% back
Remedial Massage
$100/policy2 mo
1st visit: 55% backNext visit: 55% back
Chinese Herbal Medicine
-
Occupational Therapy
-
Speech Therapy
-
Dietetics
$100/policy2 mo
1st visit: 55% backNext visit: 55% back
Antenatal/Postnatal
-
Audiology
-
Hearing Aids
-
Home Nursing
-
Orthotics
-
Podiatry
-
Health Management
$150/policy2 mo
Health Management: 55% back
Glucose Monitor
-
Non-PBS Pharmaceuticals
-
Vaccinations
-
AIA Health Insurance logo

AIA Health Insurance

Base 55% Back Extras Only

$46.00

Excess

Extras claim back

55%

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