Silver Plus Advanced Hospital and Top FlexiExtras
A Silver Plus hospital and 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, NT, $750 excess, before the rebate.
- Medicare levy surcharge
- Exempts you
- Excess options
- $750
- Ambulance
- Emergency only, call-out fees included, no limit
- Who can join
- Anyone
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
Against every other Silver hospital and extras policy in NSW & ACT
Single cover, each policy at its cheapest excess, counting policies anyone can buy.
- Silver156 policies$362.08126th cheapest of 156
Monthly premium by state and cover type
NSW prices also apply in the ACT. Each price in the tables opens its official Private Health Information Statement on PrivateHealth.gov.au, with a PDF to download.
Single premium in each state
To the nearest dollar, a month before the rebate. The tables below have every price to the cent.
$750 excessat most $1,500 a year for couples and families
| State | Single | Couple | Family | Single parent | Extended family | Extended single parent |
|---|---|---|---|---|---|---|
| NSW & ACT | $362.08 | $683.67 | $779.44 | $606.97 | $932.84 | $724.16 |
| VIC | $376.29 | $709.96 | $807.86 | $629.71 | $968.36 | $752.58 |
| QLD | $385.98 | $727.88 | $827.24 | $645.21 | $992.59 | $771.96 |
| SA | $358.73 | $677.47 | $772.74 | $601.61 | $924.46 | $717.46 |
| WA | $335.22 | $633.98 | $725.72 | $563.99 | $865.69 | $670.44 |
| TAS | $372.00 | $702.02 | $799.28 | $622.84 | $957.64 | $744.00 |
| NT | $277.38 | $526.97 | $610.04 | $480.72 | $721.09 | $554.76 |
34 of 38 clinical categories covered in full, 1 restricted
Restricted means the policy pays only the minimum, about what a public hospital charges, so a private hospital stay can leave a large bill. Not covered means the policy pays nothing for that treatment in hospital.
- Covered in full34
- Restricted1
- Not covered3
Covered 34
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Palliative care
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Rehabilitation
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
Restricted 1
- Hospital psychiatric services
Not covered 3
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Waiting periods
- Pre-existing conditions
- 12 months
- Psychiatric, rehabilitation and palliative care
- 2 months
- All other hospital treatment
- 2 months
Excess and other costs
Excess options: $750, paid when you are admitted. No excess for dependants.
From the insurer: 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 $500 of your excess (Excess Refund) if you’re admitted to hospital. Exclusions apply on some clinical categories.
Pays towards 17 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalshared with 16 other services$1,200typical policy $800
- Major dentalshared with 16 other services$1,200typical policy $1,000
- Opticalshared with 16 other services$1,200typical policy $220
- Physiotherapyshared with 16 other services$1,200typical policy $450
- Chiropracticshared with 16 other services$1,200typical policy $400
- Psychologyshared with 16 other services$1,200typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)$35.00typical policy $35.20
- Scale and clean (item 114)$61.20typical policy $66.85
- Full crown, veneered (item 615)$630.00typical policy $773.80
- Single vision lenses and frames$300.00typical policy $220.00
- Physiotherapy, first visit$45.00typical policy $42.00
- Psychology, first visit$60.00typical policy $75.00
| Service | Waiting period | Yearly limit, per person | Per policy | Example benefits (all states) |
|---|---|---|---|---|
| General dentalconditions apply | 2 months | $1,200shared with 16 other services | $3,600 | Periodic oral exam (item 012): $35.00Scale and clean (item 114): $61.20Fluoride treatment (item 121): $25.00 |
| Major dentalconditions apply | 12 months | $1,200shared with 16 other services | $3,600 | Surgical extraction (item 322): $150.00Full crown, veneered (item 615): $630.00 |
| Endodontic (root canals)conditions apply | 12 months | $1,200shared with 16 other services | $3,600 | Root canal filling (item 417): $140.00 |
| Opticalconditions apply | 6 months | $1,200shared with 16 other services | $3,600 | Multifocal lenses and frames: $300.00Single vision lenses and frames: $300.00 |
| Non-PBS medicinesconditions apply | 2 months | $1,200shared with 16 other services | $3,600 | Non-PBS prescription: $40.00 |
| Physiotherapyconditions apply | 2 months | $1,200shared with 16 other services | $3,600 | Physiotherapy, first visit: $45.00Physiotherapy, later visit: $40.00 |
| Chiropracticconditions apply | 2 months | $1,200shared with 16 other services | $3,600 | Chiropractic, first visit: $45.00Chiropractic, later visit: $40.00 |
| Podiatryconditions apply | 2 months | $1,200shared with 16 other services | $3,600 | Podiatry, first visit: $40.00Podiatry, later visit: $30.00 |
| Psychologyconditions apply | 2 months | $1,200shared with 16 other services | $3,600 | Psychology, first visit: $60.00Psychology, later visit: $30.00 |
| Acupunctureconditions apply | 2 months | $1,200shared with 16 other services | $3,600 | Acupuncture, first visit: $35.00Acupuncture, later visit: $30.00 |
| Remedial massageconditions apply | 2 months | $1,200shared with 16 other services | $3,600 | Remedial massage, first visit: $35.00Remedial massage, later visit: $30.00 |
| Dieteticsconditions apply | 2 months | $1,200shared with 16 other services | $3,600 | Dietetics, first visit: $40.00Dietetics, later visit: $40.00 |
| Exercise physiologyconditions apply | 2 months | $1,200shared with 16 other services | $3,600 | Exercise physiology, first visit: $45.00Exercise physiology, later visit: $40.00 |
| Health management programsconditions apply | 2 months | $1,200shared with 16 other services | $3,600 | Health management program: $40.00 |
| Orthoticsconditions apply | 12 months | $1,200shared with 16 other services | $3,600 | Orthotics: $150.00 |
| Osteopathyconditions apply | 2 months | $1,200shared with 16 other services | $3,600 | Osteopathy, first visit: $45.00Osteopathy, later visit: $40.00 |
| Vaccinationsconditions apply | 2 months | $1,200shared with 16 other services | $3,600 | Vaccination: $40.00 |
Not covered: orthodontics, hearing aids, blood glucose monitors, audiology, antenatal and postnatal, chinese herbal medicine, orthoptics, home nursing, occupational therapy, speech therapy.
Other services: Psychology benefit includes counselling services. Optical has a sub-limit of $300 per person, per calendar year. Swimming lessons are covered under this policy up to $50 per lesson.
FlexiExtras products come with loyalty benefits that reward you the longer you hold your cover. Your annual FlexiLimit will increase by $100 for each full year served on a FlexiExtras product, up to 5 years. Non PBS pharmaceuticals pays back up to $40 per script after the current PBS amount is deducted.
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.