(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 is a corporate policy which is only available to employees/members of organisations with arrangements with this health insurer.
This policy exempts you from the Medicare Levy Surcharge.
This policy provides accident cover and benefits for travel or accommodation (outside of hospital) - check with your insurer for details.
| Blood | Eye (not cataracts) | Pain management |
| Bone, joint and muscle | Gastrointestinal endoscopy | Palliative care |
| Brain and nervous system | Gynaecology | Plastic and reconstructive surgery (medically necessary) |
| Breast surgery (medically necessary) | Hernia and appendix | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Joint reconstructions | Skin |
| Dental surgery | Kidney and bladder | Sleep studies |
| Diabetes management (excluding insulin pumps) | Lung and chest | Tonsils, adenoids and grommets |
| Digestive system | Male reproductive system | Hospital psychiatric services |
| Ear, nose and throat | Miscarriage and termination of pregnancy | Rehabilitation |
| 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 | Weight loss surgery |
| Dialysis for chronic kidney failure | Joint replacements |
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 $250 per person and $250 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 your Excess in the event that you’re admitted to hospital.
Members can receive 2 x No Gap Dental on selected preventative dental services (excluded from dental limits) & 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 | $1,200 per person (combined limit for general dental, major dental, endodontic & orthodontic) | Periodic oral examination - 70% of charge Scale & clean - 70% of charge Fluoride treatment - 70% of charge |
| Major dental | 12 | Surgical tooth extraction - 70% of charge Full crown veneered - 70% of charge | |
| Endodontic | 12 | Filling of one root canal - 70% of charge | |
| Orthodontic | 12 | Braces for upper & lower teeth, including removal plus fitting of retainer - 70% of charge | |
| Optical | 6 | $300 per person | Single vision lenses & frames - 100% of charge Multi-focal lenses & frames - 100% of charge |
| Non PBS pharmaceuticals | 2 | $300 per person (combined limit for non pbs pharmaceuticals & vaccinations) | Per eligible prescription - 70% of charge |
| Physiotherapy | 2 | $600 per person (combined limit for physiotherapy, ante-natal/post-natal classes & exercise physiology) | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Chiropractic | 2 | $400 per person (combined limit for chiropractic & osteopathy) | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Podiatry | 2 | $250 per person | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Psychology | 2 | $300 per person | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Acupuncture | 2 | $250 per person (combined limit for acupuncture & remedial massage) | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Remedial massage | 2 | Initial visit - 70% of charge Subsequent visit - 70% of charge | |
| Hearing aids | 12 | $400 per person 1 appliance(s) every 3 years | Hearing aid - 70% of charge |
| Blood glucose monitors | 12 | $400 per person (combined limit for blood glucose monitors & orthotics (podiatric orthoses)) | Per monitor - 70% of charge |
| Audiology | 2 | $200 per person (combined limit for audiology, eye therapy (orthoptics), occupational therapy & speech therapy) | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Ante-natal/Post-natal classes | 2 | Combined limit - see Physiotherapy | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Dietetics/dietary advice | 2 | $300 per person | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Exercise physiology | 2 | Combined limit - see Physiotherapy | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Eye therapy (orthoptics) | 2 | Combined limit - see Audiology | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Health management / Healthy lifestyle | 2 | $300 per person | Health management - 70% of charge |
| Occupational therapy | 2 | Combined limit - see Audiology | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Orthotics (podiatric orthoses) | 12 | Combined limit - see Blood glucose monitors | Orthotics supply & fit - 70% of charge |
| Osteopathy | 2 | Combined limit - see Chiropractic | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Speech therapy | 2 | Combined limit - see Audiology | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Vaccinations | 2 | Combined limit - see Non PBS pharmaceuticals | Per service - $40.00 |
| Psychology benefit also includes cover for counselling services. Swimming lessons are covered under this policy. Benefit limit $200 per person, per year. Smoking cessation is covered under this policy. Benefit limit $300 per person, per year. | |||
| Other treatments - check with your insurer |
A Corporate Extras Bonus of $200 per person per calendar year applies when you reach and maintain an AIA Vitality Silver status or higher. A Family Limit of $200 applies for a Single Parent policy and $400 for a Family policy.
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.