Understand the key details of the private health insurance benefit code and the tax claim code.
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Depending on your age, you may be eligible for an
aged-based discount. This is used to estimate your
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What's your household's taxable income?
This is the combined income you and your spouse earn before tax. It's needed to calculate the correct Australian government rebate.
$93,000 and under
$93,001 to $108,000
$108,001 to $144,000
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What level of hospital coverage would you like?
You can change this at any time later.
Legend
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Restricted cover, You may be partially covered for
this category.
Not covered. Optional for insurer to include.
*Prices updated December 2024, in line with Finder's database of health insurance policies. Prices reflect the cheapest available for a single individual with less than $97,000 income and living in Sydney with a $750 excess.
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The Australian Government offers a tax rebate on private health insurance which is worked out depending on how much you earn. In order to be eligible for the tax rebate, you'll often be asked for a code.
There two codes you'll need are as follows:
The tax claim code
This is the code that matches your situation e.g. your relationship status and any dependents you might have.
The private health insurance benefit code
This is the benefit code you will need based on your age.
When it comes to tax time, insurers may no longer send your end-of-financial-year private health insurance statement directly to you. If you do your tax online or through an agent, the information should be pre-filled on your tax return. If not, just contact your health insurer so that you can get a private health insurance statement and fill in all the relevant details.
If you need to complete a tax return, you can get the tax claim code and health insurance benefit codes below.
What are tax claim codes?
Tax claim codes indicate the amount of private health insurance rebate you'll receive in line with your particular circumstances. When claiming a rebate, you must select a code that matches your situation.
The following are the tax claim codes used by the ATO to determine your rebate:
Code
Definition
Tax code A
You are a single adult on 30 June.
Tax code B
You are a single adult on 30 June and you have a dependent child or children.
Tax code C
You have a spouse on 30 June (including if your spouse died during the tax year and you did not have another spouse before 30 June).
Tax code D
You have a spouse on 30 June and they have agreed that you should claim their share of the rebate because they aren't claiming it themselves.
Tax code E
You have a spouse on 30 June and you have agreed that they should claim your share of the rebate because you aren't going to claim it yourself.
Tax code F
You are covered as a dependent child on a private health insurance policy and are not entitled to receive the rebate.
What are benefit codes?
If you have private health insurance, you may still receive a private health insurance statement each year from your health fund and you will need to complete the private health insurance policy section and Medicare levy surcharge items on your tax return. Each adult covered by your private health policy receives their own health insurance statement.
The benefit code is listed on this document and indicates which rebate percentage (based on the maximum policyholder's age) is applicable to you and when the premium was paid. The valid benefit codes are:
Age groups
Codes for premiums paid between 1 July and 31 March
Codes for premiums paid between 1 April and 30 June
Under 65
Benefit code 30
Benefit code 31
65 to 69
Benefit code 35
Benefit code 36
70 or older
Benefit code 40
Benefit code 41
Health Insurer ID. A unique code that identifies your private health insurer.
Membership number. The number of your health insurance policy.
Your premiums eligible for Australian Government rebate. Your share of the premiums that have been paid for your policy.
Your Australian Government rebate received. Your share of the private health insurance rebate you have received by reduced premiums from your insurer (the amount of reduced premiums divided by the number of adults on the policy).
Other adult beneficiaries for the policy. If the policy covered more than one adult at the time the payments were made.
Number of days the policy provided an appropriate level of private hospital cover. This determines whether you are liable for the Medicare levy surcharge.
Finder survey: What are the main reasons people have hospital insurance?
Response
Male
Female
Peace of mind
37.5%
32.76%
To avoid public surgery waiting lists
24.17%
22.99%
For tax reasons
17.29%
11.49%
To get better health care as I get older
14.17%
11.3%
To have a private hospital room
12.29%
8.81%
To get better health care for my family
9.58%
9.96%
To pick my own surgeon
6.88%
6.9%
To cover a specific issue (non-pregnancy)
2.92%
4.79%
For pregnancy cover
1.04%
3.07%
None of the above
0.83%
0.38%
Other
0.21%
0.57%
Source: Finder survey by Pure Profile of 1006 Australians, December 2023
Why are there two rows of info on my statement?
There will be two rows of information on your health insurance statement because, thanks to recent changes in the way the rebate is calculated, there are now two lots of benefit codes applicable to each person’s situation.
Benefit codes 30, 35 and 40 are used for premiums paid between 1 July and 31 March and benefit codes 31, 36 and 41 are used for premiums paid between 1 April and 30 June.
There may also be two rows of information on your statement if the oldest person on the policy turned 65 or 70 during the tax year, in which case all adults on the policy receive a higher rebate percentage. As with the annual adjustment of the rebate percentage on 1 April, each row will have a different benefit code.
Why compare health insurance with Finder?
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Depending on your age, you may be eligible for an
aged-based discount. This is used to estimate your
rebate.
Under 65
65 - 69
70 or older
What's your household's taxable income?
This is the combined income you and your spouse earn before tax. It's needed to calculate the correct Australian government rebate.
$93,000 and under
$93,001 to $108,000
$108,001 to $144,000
$144,001 and over
What kind of health insurance do you need?
Combined (Extras + Hospitals)
Extras
Hospital
What level of hospital coverage would you like?
You can change this at any time later.
Legend
Covered
Restricted cover, You may be partially covered for
this category.
Not covered. Optional for insurer to include.
*Prices updated March 2024, in line with Finder's
database of health insurance policies. Prices are based
on a single individual with less than $93,000 income and
living in Sydney with a $750 excess.
What extras cover do you need? (Optional)
Select as many as you want or move to the next step
Preventative & general dental
Major dental & implants
Optical
Physiotherapy
Podiatry
Non-PBS pharmaceuticals
Chiropractic
Emergency ambulance
Remedial massage
Email me my results (optional)
To get a copy of your results for later, add your email below
James Martin was the insurance editor at Finder. He has written on a range of insurance and finance topics for over 7 years. James often shares his insurance expertise as a media spokesperson and has appeared on Prime 7 News, WIN News, Insurance News, 7NEWS and The Guardian. He holds a Tier 1 General Insurance (General Advice) certification and a Tier 1 Generic Knowledge certification, both of which meet the requirements of ASIC Regulatory Guide 146 (RG146). See full bio
James's expertise
James has written 204 Finder guides across topics including:
Are you over 31 years of age and don’t have private hospital cover? Then read this guide, because it could save you a LOT of money in the future.
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Depending on your age, you may be eligible for an
aged-based discount. This is used to estimate your
rebate.
Under 65
65 - 69
70 or older
What's your household's taxable income?
This is the combined income you and your spouse earn before tax. It's needed to calculate the correct Australian government rebate.
$93,000 and under
$93,001 to $108,000
$108,001 to $144,000
$144,001 and over
What kind of health insurance do you need?
Combined (Extras + Hospitals)
Extras
Hospital
What level of hospital coverage would you like?
You can change this at any time later.
Legend
Covered
Restricted cover, You may be partially covered for
this category.
Not covered. Optional for insurer to include.
*Prices updated March 2024, in line with Finder's
database of health insurance policies. Prices are based
on a single individual with less than $93,000 income and
living in Sydney with a $750 excess.
What extras cover do you need? (Optional)
Select as many as you want or move to the next step
Preventative & general dental
Major dental & implants
Optical
Physiotherapy
Podiatry
Non-PBS pharmaceuticals
Chiropractic
Emergency ambulance
Remedial massage
Email me my results (optional)
To get a copy of your results for later, add your email below
