Silver Plus Hospital and Lite 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$243.3325th 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 | $243.33 | $467.37 | $536.18 | $386.43 | $623.44 | $486.66 |
| VIC | $249.37 | $478.84 | $538.92 | $414.11 | $638.54 | $498.74 |
| QLD | $244.95 | $470.44 | $539.59 | $416.02 | $627.49 | $489.90 |
| SA | $229.88 | $441.81 | $507.94 | $396.87 | $589.82 | $459.76 |
| WA | $203.89 | $392.43 | $453.36 | $343.95 | $524.84 | $407.78 |
| TAS | $241.79 | $464.44 | $532.95 | $402.11 | $619.59 | $483.58 |
| NT | $157.70 | $304.67 | $356.36 | $272.49 | $409.37 | $315.40 |
29 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 full29
- Restricted1
- Not covered8
Covered 29
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Joint reconstructions
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- 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 8
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Insulin pumps
- Joint replacements
- Pain management with device
- Pregnancy and birth
- Weight loss surgery
Waiting periods
- Pre-existing conditions
- 12 months
- Pregnancy and birth
- 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.
Offers the age-based discount for people who join between 18 and 29.
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 10 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalshared with 9 other services$800typical policy $800
- Opticalshared with 9 other services$800typical policy $220
- Physiotherapyshared with 9 other services$800typical policy $450
- Chiropracticshared with 9 other services$800typical policy $400
- Psychologyshared with 9 other services$800typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)$29.00typical policy $35.20
- Scale and clean (item 114)$50.00typical policy $66.85
- Single vision lenses and frames$200.00typical policy $220.00
- Physiotherapy, first visit$40.00typical policy $42.00
- Psychology, first visit$50.00typical policy $75.00
| Service | Waiting period | Yearly limit, per person | Per policy | Example benefits (all states) |
|---|---|---|---|---|
| General dentalconditions apply | 2 months | $800shared with 9 other services | $2,400 | Periodic oral exam (item 012): $29.00Scale and clean (item 114): $50.00Fluoride treatment (item 121): $22.00Simple extraction (item 322): $0.00 |
| Opticalconditions apply | 6 months | $800shared with 9 other services | $2,400 | Multifocal lenses and frames: $200.00Single vision lenses and frames: $200.00 |
| Physiotherapyconditions apply | 2 months | $800shared with 9 other services | $2,400 | Physiotherapy, first visit: $40.00Physiotherapy, later visit: $30.00 |
| Chiropracticconditions apply | 2 months | $800shared with 9 other services | $2,400 | Chiropractic, first visit: $40.00Chiropractic, later visit: $30.00 |
| Psychologyconditions apply | 2 months | $800shared with 9 other services | $2,400 | Psychology, first visit: $50.00Psychology, later visit: $25.00 |
| Acupunctureconditions apply | 2 months | $800shared with 9 other services | $2,400 | Acupuncture, first visit: $30.00Acupuncture, later visit: $20.00 |
| Remedial massageconditions apply | 2 months | $800shared with 9 other services | $2,400 | Remedial massage, first visit: $30.00Remedial massage, later visit: $20.00 |
| Exercise physiologyconditions apply | 2 months | $800shared with 9 other services | $2,400 | Exercise physiology, first visit: $40.00Exercise physiology, later visit: $30.00 |
| Health management programsconditions apply | 2 months | $800shared with 9 other services | $2,400 | Health management program: $25.00 |
| Osteopathyconditions apply | 2 months | $800shared with 9 other services | $2,400 | Osteopathy, first visit: $40.00Osteopathy, later visit: $30.00 |
Not covered: major dental, endodontic (root canals), orthodontics, non-pbs medicines, podiatry, hearing aids, blood glucose monitors, audiology, antenatal and postnatal, chinese herbal medicine, dietetics, orthoptics, home nursing, occupational therapy, orthotics, speech therapy, vaccinations.
Other services: Psychology benefit includes counselling services. Optical has a sub-limit of $200 per person, per calendar year.
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.
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.