For example, cover to be treated in a Private Hospital for pregnancy is only available on our Gold Hospital cover.Hospital cover helps to cover the costs of being treated in hospital.

We aim to resolve problems at the first point of contact. As soon as you activate, you’ll be able to start your AIA Vitality journey to a healthier, longer, better life. The maximum loading is 70%. Cover for child dependants ceases once they turn 21, unless they qualify to remain on the policy as a student dependant. Moving more is a critical component of an overall approach to improving your health – and includes activities of daily living such as walking the dog, increasing the number of steps you do each day and taking the stairs instead of the lift.

If you go ahead with your admission without confirming your entitlements and we subsequently determine your condition to be pre-existing, you’ll have to pay all outstanding hospital and medical charges not covered by Medicare.The best way to find out is to ask them. You will receive a link to download a copy of your PHIS when you join AIA Health Insurance and it is available to download from our If you have less than 12 months membership on your current hospital cover, you’ll need to contact us by phone on 1800 333 004 or by email at It can take up to five working days to complete this assessment, so make sure you factor this in when you book your stay. Emergencies are circumstances when immediate hospital treatment is required for a serious and acute injury or condition where the viability or function of an organ or body part is threatened. Doctors and providers are not restricted to charging this fee and are able to set their own fees, which can be higher than the scheduled fees. The AIA Superannuation Fund is designed to provide security for members and their dependants in the form of death and/or disability benefits through the Superannuation Life Cover Plan, which is underwritten by the Fund’s insurer – AIA Australia Limited. It's calculated in three tiers for singles and couples/families. AIA Health with AIA Vitality is issued by MO Health Pty Ltd ABN 32 611 323 034, a registered private health insurer governed by the Private Health Insurance Act 2207, Private Health Insurance Rules 2007 and the MO Health Pty Ltd Fund Rules. For an orthosis to be custom made, a plaster cast or mould must be taken. Simply log in to our member portal and head to the Claims section to look at your history.It doesn’t happen often, but there are instances where benefits are not paid at all or are paid at a lower level.
This is the 'Gap' and can leave you with significant out-of-pocket expenses. These are when:To find out more, we recommend checking out your cover’s detailed terms and conditions published in our Fund Rules. Also, the weight loss provider must be a member of the Weight Management Council of Australia and agree to abide by the Weight Management Code of Practice.Here are some well-known providers that we’re happy to approve:Please note that we only cover weight loss program fees and will not provide any benefits for meals, groceries or exercise components.You can only claim extras benefits where treatment is received in person from a recognised health practitioner, received in Australia. For anything we haven't covered, head to This one's on us. If your doctor chooses to charge a higher fee, there will be a gap between what the doctor charges and what the Government and AIA Health Insurance will pay. Contacting us first means you will know what types of benefits you will receive and what your out-of of-pocket costs will be.You can choose to pay via direct credit with a credit card or direct debit via your bank. Plan ahead with superannuation inheritance. How do I do this?Can I claim on orthotic and orthopaedic appliances?Can I claim for Extras purchased over the internet?I have adult children who are still studying - are they covered by my family policy?What are the Private Health Insurance health reforms?Why has the name of my product changed (new product tiers)?Why has the name of services changed (clinical definitions)?Life insurance - Am I already covered by my superannuation fund for life insurance?Life insurance - What factors may affect my life insurance premiums?Life insurance - Can I nominate who receives the benefit under my policy? These are available by calling us on 1800 333 004.We thought you'd never ask.

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