Whether you’re applying for your very first health insurance policy or looking to change providers, we’re here to help. We’ve boiled down some of the most important facts about applying for a health insurance policy in this handy infographic.
Getting a private health insurance policy doesn’t have to be complicated. Here’s all you need to know.
How to get more value from your private health insurance
Private health insurance is an investment, so it’s important to make sure you’re getting your money’s worth. Here are some tips to get more value from your health cover.
Understand what you’re covered for. It’s important to understand the finer details of what your policy covers and ensure it suits your needs. You don’t want to be underinsured, but you also don’t want to be paying for benefits you don’t use.
Keep a lookout for joining offers. If you’re looking to switch providers, many private health insurers offer special deals for new members, like waived waiting periods for extras and a portion of refunded premiums.
Understand annual limits and when cover resets. Understanding your policy’s annual limits will help you stay within any capped amounts and ensure you’re claiming all the extras you’re eligible for each year.
Take advantage of included benefits. Schedule yearly reminders in your calendar to book any included benefits you’re entitled to, like an annual dentist check-up or eye exam.
Explore other benefits. Cover isn’t everything. For example, private health insurance through AIA Health comes with access to AIA Vitality (or the introductory program AIA Vitality Starter), a personalised, science-backed health and wellbeing program that supports you to make healthier lifestyle choices every day. AIA Vitality lets you earn rewards – like up to $500 in vouchers – each membership year.
Plus, when you reach AIA Vitality Silver Status, you can unlock even more health insurance benefits like a 100% refund on hospital excess (exclusions apply), an extra 10% back on non-dental extras and maintain the 5% premium discount you receive when joining.
Watch this quick video below to find out how it all works.
Watch this quick video below to find out how it all works.
Staff Writer
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.
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.
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.
offers ways to improve it and motivates you with rewards along the way.