Australian Government rebate on Private Health Insurance
Reduces private health insurance costs for people eligible for Medicare, within income thresholds and with certain health funds.
Families and individuals who pay private health insurance premiums may be eligible for Australian Government rebates on private health insurance. If you are paying a registered hospital or general private health fund insurance, your costs may be reduced.
The rebate reduces the amount you pay for private health insurance. The rebate amount you get is based on the age of the oldest person covered by the policy and by annual earnings.
You must be covered by the policy and must be eligible for Medicare.
The following tiers apply to the Australian Government rebate:
|Base Tier||Tier 1||Tier 2||Tier 3|
|Singles||$90,000 or less||$90,001 to $105,000||$105,001 to $140,000||$140,001 or more|
|Family/Couples||$180,000 or less||$180,001 to $210,000||$210,001 to $280,000||$280,001 or more|
The thresholds are increased each year, based on growth in Average Weekly Ordinary Time Earnings. Single parents and couples including de facto couples are subject to family tiers. For families with children, the thresholds are increased by $1,500 for each child after the first.
More information can be found on the Department of Health website.
Not all private health funds and private health insurance policies are eligible for Australian Government rebates. They are only available if you have a complying health insurance policy with a registered health fund or insurer. Check with your health fund to see if they are registered and if your private health insurance policy is eligible for the rebate.
If you pay your premiums fortnightly, monthly, in yearly instalments or in advance, there are 2 ways to claim the Australian Government rebate on Private Health Insurance.
From your fund
You can ask your fund to give you the rebate as a premium reduction, reducing your upfront costs. To claim the rebate as a premium reduction, register with your health fund who will send you a form or tell you what you need to do.
- Download an Application to receive or change the Australian Government Rebate on Private Health Insurance as a reduced premium form (MS006)
From the Australian Taxation Office
The rebate may be claimed back on your annual income tax return, if you have paid the full, upfront cost. Your health fund will give you a statement at the end of the financial year to help you fill in your tax return.
Call us on 1300 554 463.
A Register of Private Health Insurers under the Private Health Insurance (Prudential Supervision) Act 2015 is available on the APRA website.
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