What is the Private Health Insurance Rebate?

To make private health insurance more affordable, the Australian Government provides a rebate on premiums. The rebate applies to anyone eligible for Medicare benefits and depends on both your household income and your age.

There are two ways to receive your rebate:

as a reduction in your health insurance premium for the financial year. To enable us to apply the rebate to your policy, you need to send us a completed Rebate Application form.
as a rebate claimed annually in your individual income tax return.

For more information on the rebate visit the Australian Taxation Office or privatehealth.gov.au.

Government initiatives

Australian Government rebate on private health insurance Medicare Levy Surcharge Lifetime Health Cover Loading (LHC) Lifetime mental health waiting period waiver Pharmaceutical Benefit Scheme Medicare Safety Net Medicare Benefits Schedule Age-based discount

Using your extras

What's covered? Make a claim - Extras What's not covered? Waiting periods Out-of-pocket expenses Dental treatments Telehealth services Find a provider Health Management benefit Dental preferred providers

Going into hospital

What's covered? Make a claim - Hospital What's not covered? Waiting periods Hospital treatment costs Paying for hospital costs Access Gap and out-of-pocket expenses Find a hospital Pre-existing conditions Pregnancy After-hospital care

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