AIA Health offers both hospital cover and extras cover. Extras cover can only be purchased as a combined hospital and extras policy.
What is extras cover?
Extras cover is cover for treatments and services outside a hospital that aren’t included under Medicare. This can include things like optical, dental, chiropractic, physiotherapy and podiatry. Unlike hospital cover, there are no standard naming conventions for extras products.
A ‘base’ policy tends to have lower claim limits and typically provides cover for basic procedures like teeth scaling and cleaning. A ‘comprehensive’ policy generally covers a wider range of procedures such as root canals, crowns, and bridges, with higher claim limits.
The difference between a “fixed benefit” or “percentage back”
Fixed benefit – Receive a fixed amount back each visit, up to your annual limit.
Percentage back – Get the percentage back that is included on your cover up to your annual limits, regardless of what the provider charges. For example, if you’re charged $80 for treatment, you’ll get $40 back if you’ve got Good 50% Back Extras.
AIA’s extras cover product names are designed to help you understand the features and benefits of the different levels of cover offered by AIA Health and how these options relate to one another.
Good Extras give you support for the everyday essentials with affordable claiming levels
Better Extras increase your claim-back percentage and annual limits across popular services like dental, optical and physio.
Best Extras give you our most generous claim backs and limits, helping minimise out-of-pocket costs across the widest range of services.
What is covered by AIA Health Extras Cover?
The table below details what is and isn’t covered by AIA Health Extras products.
| Base Set Extras | Base Set Extras (with Optical) | Good Set Extras | Better Set Extras | Base 50% Back Extras | Good 50% Back Extras | Better 60% Back Extras | Best 70% Back Extras | Lite Flexi Extras | Mid Flexi Extras | High Flexi Extras | Top Flexi Extras | |
| Learn More > | Learn More > | Learn More > | Learn More > | Learn More > | Learn More > | Learn More > | Learn More > | Learn More > | Learn More > | Learn More > | Learn More > | |
| Benefit amount you receive back with Extras Boost* | N/A | N/A | N/A | N/A | 60% | 60% | 70% | 80% | N/A | N/A | N/A | N/A |
| Benefit amount you receive back | Fixed | Fixed | Fixed | Fixed | 50% | 50% | 60% | 70% | Fixed | Fixed | Fixed | Fixed |
| Dental | ||||||||||||
| General Dental | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
| Preventative Dental | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
| Major Dental | - | - | ✔ | ✔ | - | ✔ | ✔ | ✔ | - | ✔ | ✔ | ✔ |
| Orthodontics | - | - | - | ✔ | - | - | ✔ | ✔ | - | - | - | - |
| Benefit amount you receive back when attending a smile.com.au dentist^ | 50% | 50% | 50% | 60% | 60% | 60% | 70% | 80% | Fixed | Fixed | Fixed | Fixed |
| Benefit amount you receive back | Fixed | Fixed | Fixed | Fixed | 50% | 50% | 60% | 70% | Fixed | Fixed | Fixed | Fixed |
| Optical | ||||||||||||
| Optical | - | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
| Therapies | ||||||||||||
| Physiotherapy - hydrotherapy, myotherapy, exercise physiology | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
| Antenatal and postnatal classes | - | - | - | - | - | - | - | ✔ | - | - | - | - |
| Chiropractic | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
| Osteopathy | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
| Speech therapy | - | - | - | - | - | - | - | ✔ | - | - | - | - |
| Audiology | - | - | - | ✔ | - | - | ✔ | ✔ | - | - | - | - |
| Eye therapy | - | - | - | - | - | - | - | ✔ | - | - | - | - |
| Occupational therapy | - | - | - | - | - | - | - | ✔ | - | - | - | - |
| Podiatry | - | - | - | ✔ | - | - | ✔ | ✔ | - | - | - | - |
| Psychology | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
| Alternative Therapies | ||||||||||||
| Acupuncture | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
| Massage therapy | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
| Health Aids | ||||||||||||
| Medically Prescribed Appliances (incl Orthopaedic, Orthotics) | - | - | - | ✔ | - | - | ✔ | ✔ | - | - | - | ✔ |
| Blood glucose monitor | - | - | - | ✔ | - | - | ✔ | ✔ | - | - | - | - |
| Hearing aids (1 per person per 3 years) | - | - | - | ✔ | - | - | ✔ | ✔ | - | - | - | - |
| Wellness and other | ||||||||||||
| Swimming Lessons | - | - | - | ✔ | - | ✔ | ✔ | ✔ | - | - | - | ✔ |
| Weight management programs (incl dietetics) | - | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | - | - | ✔ | ✔ |
| Health checks | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
| Smoking cessation | - | - | - | - | - | - | ✔ | ✔ | - | - | - | - |
| Non-PBS Pharmacy & vaccinations ($40 per item, up to annual limit) | - | - | - | ✔ | - | - | ✔ | ✔ | - | - | - | ✔ |
| Learn More > | Learn More > | Learn More > | Learn More > | Learn More > | Learn More > | Learn More > | Learn More > | Learn More > | Learn More > | Learn More > | Learn More > | |
⌃We have partnered with smile.com.au to make dental care more affordable and accessible for our members. If you visit a smile.com.au network dentist, the benefit amount you receive will be 10% higher on eligible products than if you go to a non-smile.com.au dentist.
*Once you reach an maintain AIA Vitality Silver Status you will get an additional 10% back on your extras (excluding dental, optical and non-PBS pharmacy) on eligible products (up to annual limits).
**Consult each product fact sheet for further detail on limits, rebates & costs, waiting periods and conditions of usage.
Additional things to learn about AIA’s Health Insurance cover
AIA Health Insurance members have access to a wide range of benefits and rewards, including affordable dental care, discounts on optical products, and additional benefits unlocked through engagement with our AIA Vitality program.
AIA Vitality
At AIA Health, we believe health insurance should help people live healthier, longer, better lives. That’s why we offer our policyholders (and partner where applicable) access to AIA Vitality, the science-backed health and wellbeing program that rewards you for getting to know your health and taking steps to improve it. Learn More
Access to Health Programs
Plus Additional Member Benefits
Kieser Programs
Supporting our customers with hip and knee osteoarthritis and lumbar spine conditions.
Healthy Weight For Life
Personalised weight loss programs tailored to manage heart health, osteoarthritis, and type 2 diabetes.
Universal Practice
Offering AIA Health members access to a virtual physiotherapy program.
Optical Benefits
As an AIA Health Insurance member, you can visit one of these retailers and access some fantastic member discounts.
Dental Benefits
We have partnered with smile.com.au to make dental care more affordable and accessible for our members across Australia.
My Psychologist
Take control of your mental well-being with convenient and affordable access to a psychologist.
Amplifon Hearing Services
Providing AIA Health members with offers and discounts on audiology and hearing aid services.
AIA Health may make changes to this cover from time to time, including adding or reducing the benefits or services available to you, and notice of such changes will be provided via email in accordance with the PHI Act, Code of Conduct and Australian Consumer Law. The information provided here is a guide and you should always consult your provided member guide and up-to-date fact sheets at the point of purchase and claiming or call us on 1800 333 004 for further details.
How do I choose the right extras cover?
When considering a private health insurance policy, you should review your current and future medical needs, budget, and healthcare priorities. Having a good understanding of these will help you decide if a cover is appropriate for your personal circumstances.
Before selecting a Hospital Policy/or Extras Policy, you should review:
- What services are covered
- What waiting periods apply
- What exclusions apply
- What benefit limits apply on Extras cover, and
- What excess and/or co-payment you would be subject to on your hospital policy
What makes AIA Health different?
At AIA Health, we believe that health insurance should benefit you every day and not just when things go wrong. That’s why our cover comes with access to AIA Vitality, our science-backed health and wellbeing program designed to support you at every stage of your health journey.
The Private Health Insurance Code of Conduct
AIA Health is a signatory to the Private Health Insurance Code of Conduct. The code was developed by the private health insurance industry and aims to improve industry standards of practice and service. As a signatory to the Code, we ensure that:
- Information we provide to you is in plain language
- AIA Health employees are competently trained to deal with your enquiries
- AIA Health protects the privacy of your information in line with the Australian Privacy Principles.
A copy of the code is available at privatehealth.com.au/codeofconduct
New member offer!
Get up to 6 weeks premium cashback when you join AIA Health by 31 October 2026*.
Take out an eligible policy by 31 October 2026 and you’ll get up to 6 weeks premium cashback on your health insurance over your first 2 years. *Get up to 6 weeks free on eligible combined Hospital & Extras products and up to 4 weeks free on eligible Hospital only products. T&Cs apply.