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  • 7 ways to get more from your health insurance (even when you’re well)

    Staff Writer - 5 min read

    19 February 2021


    We all know how useful private health insurance is when things go wrong, but what about when things are going well? At AIA Health, we believe in providing cover that protects and rewards. Here are 7 ways we do just that.  

    7 ways to get more from your health insurance (even when you’re well)

    1. Take a bite out of dental fees

    A healthy smile is a wonderful thing. And with our Extras cover, you can enjoy a free dental check-up and clean once a year2, as well as 15-40% off all dental treatments performed by a smile.com.au approved dentist1. Plus, you’ll also get an additional 10% back on your Extras dental benefits on selected products, up to yearly limits - that’s certainly something to smile about. 

    We’ve partnered with the smile.com.au dental network, so as long as you’ve got Extras cover included in your policy, you’ll automatically have access to these benefits. 

    2. We can help you bridge the gap

    If you’re new to health insurance (and even if you’re not), you’ll be hearing a lot about ‘the gap’. The gap is the difference between what your doctor charges you and what you get back from Medicare, known as the Medicare Benefit Schedule (MBS) Fee. 

    AIA Health members don’t pay any more than they need to. We’ve partnered with the Australian Health Service Alliance to give you Access Gap Cover. If your doctor participates in the Access Gap Cover scheme, they’ll agree to either reduce or remove your out of pocket medical expenses. Doctors can opt in or out of Access Gap Cover on a patient by patient basis, so it’s important to ask them upfront. 

    3. 5% discount on your premium

    At AIA, we apply an upfront 5% discount on your premium3 when you join, and for as long as you maintain AIA Vitality Silver Status (or above). But what’s AIA Vitality, and what does Silver Status mean? Keep reading, friend.

    4. Access to AIA Vitality to help achieve your health goals

    AIA Vitality is a science-backed, personalised health and wellbeing program that supports you every day to make healthier lifestyle choices. And when you sign up to AIA Health Insurance, access to AIA Vitality is part of the package. Every time you make healthier choices, like taking a run around the block, or going for a health check at our partner pharmacies, you earn AIA Vitality Points. These Points contribute to your overall AIA Vitality Status (Bronze, Silver, Gold and Platinum).  The higher your Status, the greater your rewards. 

    5. Refund on your hospital excess? Sure!

    We’re all about rewarding members who are taking an active role in their health and wellbeing and getting them back on their feet sooner. That’s why if you’ve been our health insurance member for more than six months and you’ve reached AIA Vitality Silver Status or above, we’ll refund your whole hospital excess4, that’s a saving of $500 or $750 per year depending on your excess level. 

    6. Do a good deed (without denting your pocket)

    AIA Vitality motivates and rewards you for being active. With our Vitality Active Benefits, we’ll set you a dynamic, personalised physical activity target each week. Reach your target, and you’ll earn a $5 voucher to spend at some of Australia’s favourite retailers, or to donate to one of our four Australian charities such as Diabetes Australia and Cancer Council Australia. Meet your target each week and you could earn or donate up to $260 per membership year.

    7. Reap the rewards

    With AIA Vitality you could earn up to $500 in shopping vouchers to some of Australia’s favourite retailers every membership year. Members can also access a range of other benefits including discounted gym memberships, up to 30% off fitness devices and discounted movie vouchers.

    Find cover that suits your needs and budget. Use our online tool or call us on 1300 965 043.

    Reference:

    1Savings may vary between dentists. It is recommended that members obtain a quote prior to treatment.

    2
    This benefit is included in the combined Preventative and General Dental annual limit. This benefit is limited to one service per treatment group per year for each person listed on the policy. Refer to your Extras fact sheet for more information.

    3Receive a 5% discount on your AIA Health Insurance premium when you first join and for as long as you maintain AIA Vitality Silver Status or above.

    4Receive 100% refund of your hospital excess when you achieve AIA Vitality Silver Status or above and have held a policy for at least six months (terms, conditions and some exclusion apply, refer to your product fact sheet for more information).


    Staff Writer

    Staff writers come from a range of backgrounds including health, wellbeing, music, tech, culture and the arts. They spend their time researching the latest data and trends in the health market to deliver up-to-date information, helping everyday Australians live healthier lives. This is general information only and is not intended as medical, health, nutritional or other advice. You should obtain professional advice from a medical or health practitioner in relation to your own personal circumstances. The information in this article is general information only and is not intended as medical, health, nutritional or other advice. You should obtain professional advice from a medical or health practitioner in relation to your own personal circumstances 

     

    Disclaimer:
    This is general information only and is not intended as financial, medical, health, nutritional or other advice. You should obtain professional advice from a financial adviser, or medical or health practitioner in relation to your own personal circumstances.

    Sign Up to Our Newsletter

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    Health and Wellbeing Inspiration

    This inspirational content is brought to you by AIA Vitality

    AIA Vitality is a science-backed program that helps you learn more about your health, offers ways to improve it and motivates you with rewards along the way.

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    Copyright © 2021. AIA Group Limited and its subsidiaries or affiliates. All rights reserved. Priority Protection and Priority Protection for Platform Investors products are issued by AIA Australia Limited (ABN 79 004 837 861, AFSL 230043). AIA Vitality, a personalised, science-backed program that supports members every day to make healthier choices, is available with eligible products issued by AIA Australia. AIA Health with AIA Vitality is issued by AIA Health Insurance 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 AIA Health Insurance Pty Ltd Fund Rules. The information on this website is current as at 14 January 2021 and may be subject to change. It is general information only and is not intended in any way to be financial, legal, tax, health, medical, nutritional or other advice. You should consider your own personal circumstances and needs and view the relevant product documents, fact sheets, fund rules and terms and conditions before making a decision to acquire such products. If necessary you should obtain professional advice from a financial, tax, medical or health professional. Unless expressly stated, any views or expressions of opinion (including any video content) do not represent the opinion of AIA.
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