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

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.  

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. 

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. 

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.

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. 

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. 

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.

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.

²This 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).

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.