Base 55% Back Extras Only
An extras policy from AIA Health.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement AIA Health files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.
From
Single, All states, no excess, before the rebate.
- Medicare levy surcharge
- Does not exempt you
- Ambulance
- Not covered
- Who can join
- Anyone
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
Against every other extras policy in NSW & ACT
Single cover, counting policies anyone can buy. Further right covers more services, higher up costs more.
It covers 11 services for $46.00 a month. Of the 214 other policies, 47 cost less and 145 cover more services.
Pays towards 11 of 27 standard services
Yearly limits, per person, against the typical policy
- General dental$500typical policy $800
- Optical$150typical policy $220
- Physiotherapyshared with chiropractic, exercise physiology, osteopathy$300typical policy $450
- Chiropracticshared with physiotherapy, exercise physiology, osteopathy$300typical policy $400
- Psychology$150typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)55% of the feetypical policy $35.20
- Scale and clean (item 114)55% of the feetypical policy $66.85
- Single vision lenses and frames100% of the feetypical policy $220.00
- Physiotherapy, first visit55% of the feetypical policy $42.00
- Psychology, first visit55% of the feetypical policy $75.00
| Service | Waiting period | Yearly limit, per person | Per policy | Example benefits (all states) |
|---|---|---|---|---|
| General dentalconditions apply | 2 months | $500 | - | Periodic oral exam (item 012): 55%Scale and clean (item 114): 55%Fluoride treatment (item 121): 55% |
| Optical | 6 months | $150 | $450 | Multifocal lenses and frames: 100%Single vision lenses and frames: 100% |
| Physiotherapyconditions apply | 2 months | $300shared with chiropractic, exercise physiology, osteopathy | $900 | Physiotherapy, first visit: 55%Physiotherapy, later visit: 55% |
| Chiropracticconditions apply | 2 months | $300shared with physiotherapy, exercise physiology, osteopathy | $900 | Chiropractic, first visit: 55%Chiropractic, later visit: 55% |
| Psychology | 2 months | $150 | - | Psychology, first visit: 55%Psychology, later visit: 55% |
| Acupunctureconditions apply | 2 months | $100shared with remedial massage | $300 | Acupuncture, first visit: 55%Acupuncture, later visit: 55% |
| Remedial massageconditions apply | 2 months | $100shared with acupuncture | $300 | Remedial massage, first visit: 55%Remedial massage, later visit: 55% |
| Dietetics | 2 months | $100 | - | Dietetics, first visit: 55%Dietetics, later visit: 55% |
| Exercise physiology | 2 months | $300shared with physiotherapy, chiropractic, osteopathy | $900 | Exercise physiology, first visit: 55%Exercise physiology, later visit: 55% |
| Health management programs | 2 months | $150 | - | Health management program: 55% |
| Osteopathyconditions apply | 2 months | $300shared with physiotherapy, chiropractic, exercise physiology | $900 | Osteopathy, first visit: 55%Osteopathy, later visit: 55% |
Not covered: major dental, endodontic (root canals), orthodontics, non-pbs medicines, podiatry, hearing aids, blood glucose monitors, audiology, antenatal and postnatal, chinese herbal medicine, orthoptics, home nursing, occupational therapy, orthotics, speech therapy, vaccinations.
From the insurer: A Family Limit of 3 times the annual per person limit applies to Optical, Physiotherapy, Chiropractic, Osteopathy, Acupuncture and Remedial Massage services.
No Gap Dental is available on eligible preventative dental services if you have served the two-month waiting period and use a smile.com.au dentist. A fixed benefit is paid on included dental services when using a non-smile.com.au dentist. The annual limit for Physiotherapy is shared with Chiropractic, Exercise Physiology and Osteopathy. The annual limit for Acupuncture is shared with Remedial Massage.
Example benefits are what the policy pays for that item at a provider without a special arrangement with the insurer; a percentage is of the fee charged. The typical policy is the middle one of the 708 extras policies on the market that aren't sold only through employers.
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Source: PrivateHealth.gov.au data (Private Health Insurance Ombudsman) via data.gov.au, licensed CC BY 3.0 AU. Normalised by The Finance Algorithm from the extract dated 1 Oct 2026, read on 23 Oct 2026.
Premiums are monthly and shown before the Australian Government rebate and any Lifetime Health Cover loading or age-based discount. Confirm the price and the cover with the insurer before you buy; the official statement for every policy is on PrivateHealth.gov.au. This is general information, not advice, and no insurer pays to be listed or ranked here.