AIA Health Insurance

In 2020 AIA launched AIA Health Insurance Australia, complemented by their unique health and wellbeing offering, AIA Vitality.²

What kind of Health Insurance products does AIA offer?

AIA offers a range of Health Insurance products to suit any individual or family size. Whether you’re looking for just Hospital Cover, or combined Hospital and Extras, AIA may have a policy that suits your budget and lifestyle. 

Their Health Insurance products can cater to the following:³ 

• Singles 
• Couples 
• Families 
• Single parents 

AIA offers a range of both standalone hospital and combined hospital and extras policies:   

• Hospital cover: AIA has a variety of policy offerings to suit your needs and budget including ‘plus’ plans for that additional coverage without having to fully jump up to the next policy tier.
  
  One of AIA’s unique features is that if you engage in the Vitality program and hold Silver (or higher) Hospital cover for at least six months, AIA may refund your hospital excess in the event that you’re admitted to hospital.⁴
  
  Another benefit is the addition of emergency ambulance cover across Hospital policies.⁵
  
  
• Extras cover: AIA offers Extras as part of a combined Hospital and Extras policy. Additionally, if you engage in the Vitality program, you may be eligible for higher benefits on some Extras claims and even discounts on your policy.⁶

What makes AIA Special? 

A high no-gap scheme 

In the ‘21-’22 financial year, over 85 percent of AIA customer’s medical services across Australia were offered with no gap,⁷ which means the service was fully covered by the health fund and/or Medicare.⁸   

Further to that, an additional 10.5 percent of AIA’s medical services across Australia had a known gap,⁹ which is when your insurer advises you of any additional costs upfront.¹⁰ AIA’s medical services with no gap or a known gap payment totalled to 96 percent – a whopping amount of coverage! 

You can get up to 80 percent back on Extras¹¹ 

AIA provides lots of opportunities to claim back on ‘essential’ Extras like optical and dental, as well as the less standard services like hydrotherapy and mental health services. 

Get 5 percent off premiums for your first year¹² 

If you choose to sign up to an AIA Health policy with AIA Vitality and reach Silver Status you’ll get 5 percent off your premiums – so it really pays to stay active!  ..¹³

Findings from the State of the Health Fund’s Report 202214  Over 82 percent of total contributions received from AIA members were returned back to those members in the form of benefits.  AIA had a retention rate of 69 percent. (That’s two years or more of continued Hospital cover).  Of all complaints received by the office of the Commonwealth Ombudsman of Private Health Insurance, only 1.2 percent were about AIA.

What is AIA Vitality? 

AIA Vitality is AIA’s health and wellbeing program, scientifically designed to encourage AIA members to make healthier lifestyle choices, such as exercising, eating well, and completing relevant health checks.¹⁵ 

AIA gives members some great incentives including discounts on gym memberships, cashback on eligible domestic and international flights and up to $500 a year in vouchers to spend at popular retail outlets.¹⁶  

How does AIA Vitality work? 

AIA Health Insurance policy holders can sign up online or download the AIA Vitality app.  

You’ll begin with a Bronze Status and by linking a compatible fitness device or app and completing some basic health checks, you’ll start earning Vitality Points.  These points will help you move from Bronze through to Silver, then Gold and Platinum!¹⁷ 

The more you get moving and take care of your health, the greater the rewards become! You can even get up to 20 percent off your premium.¹⁸

What are some of AIA’s partner and member benefits? 

AIA has teamed up with some fantastic partners to provide additional value to their members. Some of these include: 

• Dental benefits: AIA have partnered with Smile.com.au to make dental more accessible and affordable for members¹⁹.
   
• Optical benefits: AIA members are entitled to benefits in the form of discounts from Specsavers and OPSM.²⁰
   
• Cancer coach program: AIA has partnered with CancerAid to help educate, support, and empower AIA Health Insurance members who live with cancer.²¹ Designed by oncologists, the program helps members improve their health and lifestyle. 

How do I make a claim with AIA? 

AIA understands that the period in which you’re making a claim could be a difficult time for yourself or your loved ones. That’s why they try to make the process as easy and transparent as possible. 

• Claiming on Hospital Cover: The hospital will generally bill AIA directly following a hospital admission, and AIA will pay the hospital on your behalf.²² If an excess payment is required, you may need to organise it prior to your hospital admission.²³ 
  
  
• Claiming on Extras Cover:²⁴ There are several ways you can do this with AIA. These include  using your HICAPS card at a registered provider, online via your AIA member portal, via email, or via post. 

Learn more about AIA Health Insurance plans on offer with iSelect! 

With iSelect you can compare from our range of policies and providers online and select one which suits you.  

Prefer to talk to someone? You can call our friendly Health Insurance team on 1800 784 772 – they'd be happy to answer any of your burning questions.

^{Sources:
1 AIA - Our Journey.
2 AIA - AIA Vitality
3 AIA - Health Insurance
4 AIA - AIA Vitality Benefits, Health insurance member benefits
5 AIA - Products - Health Insurance
6 AIA - AIA Vitality Benefits, Health insurance member benefits
7 Commonwealth Ombudsman of Private Health Insurance - Private Health Insurance Ombudsman State of the Health Funds Report 2022, page 21.
8 Commonwealth Ombudsman of Private Health Insurance - Private Health Insurance Ombudsman State of the Health Funds Report 2022, page 20.
9 As above, page 22.
10 As above, page 20.
11 AIA - Health Insurance, Why choose AIA?, Peace of mind Health Insurance
12 AIA - Why choose AIA?, Unlock Health Insurance benefits with AIA Vitality
13 As above.
14 Commonwealth Ombudsman of Private Health Insurance - Private Health Insurance Ombudsman State of the Health Funds Report 2022, page 17.
15 AIA Australia - AIA Vitality
16 AIA - AIA Vitality Rewards Guide
17 AIA - What is AIA Vitality?, How does it work?
18 As above.
19 AIA - Dental Benefits 
20 AIA - Optical Benefits
21 AIA - Cancer coach program
22 AIA - Claims related to Health Insurance
23 As above.
24 As above.}