AIA has a popular rewards program, which encourages healthier living.
You can mix and match hospital and extras to get over 40 combinations of cover.
All of AIA's hospital policies are cheaper than market average.
Cons
There's no option to take out a standalone extras policy - only hospital or hospital and extras.
AIA's complaints record is worse than many of its competitors.
AIA doesn't offer any gold level hospital cover, so you can't get cover for pregnancy and birth, assisted reproductive services, or weight loss surgery.
If you're claiming for an extras service, you can use your membership card to claim on the spot at the provider, as long as they have a HICAPs machine.
Otherwise, you can claim online via AIA's Member Services Portal, by emailing a completed claim form to Claims@aia.com.au or by posting the completed claim form to:
AIA Health Insurance Att: Health Insurance Claims PO Box 7302 Melbourne VIC 3000
For hospital claims, the hospital will most likely contact AIA directly and your only cost will be the excess on your policy.
For medical claims from doctors that participate in Access Gap Cover, your bill will be sent directly to Medicare and AIA for payment. If there are any remaining costs, you will be contacted to pay the bill independently.
If your doctor doesn't participate in any level of gap cover, you'll need to take your medical invoices directly to Medicare where they will request a Medical Claim Form and a Medicare Two-way claim form to be filled out. Medicare will cover some of the bill then forward it to AIA to contribute its portion.
Complaints info
AIA's complaints record is sub-standard. The 2024 State of the Health Funds Report shows that AIA had 0.4% market share but accounted for 1.3% of health insurance complaints made to the Commonwealth Ombudsman.
FAQs
AIA Australia is part of the AIA Group.
AIA stands for American International Assurance Company
AIA health insurance has a reasonable range of products at a good price point. However, not all health categories are covered and it doesn't have the best complaints record. Ultimately, it's up to you.
Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio
Nicola's expertise
Nicola has written 241 Finder guides across topics including:
Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
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