Features & benefits  

Exclusive to CommBank customers

Get up to $760 cash each membership year directly into your CommBank account through AIA Vitality

Hospital Excess Refund

Receive a full refund on your hospital excess ($500 or $750) when you reach AIA Vitality Silver Status.1

No Gap Dental

Get No Gap Dental for eligible preventative services at a smile.com.au dentist.

CommBank & AIA Health

We’ve partnered with AIA Health to actively improve the health and financial wellbeing of Australians. We believe in providing you with health insurance that protects you and supports your wellbeing. AIA Health delivers innovative insurance solutions and is committed to helping you make better lifestyle choices, all while rewarding you for healthier living.

Extras Value Protect

We understand that restrictions due to COVID-19 made getting the most value out of your Extras challenging. Through our partnership with AIA Health and their commitment to value, they are offering an exclusive benefit that allows you to get up to 100% back on your Extras premium, less any Extras claims you’ve made.2

insurance for playing basketball with son

AIA Vitality

Health insurance policies include access to AIA Vitality, a personalised, science-backed health and wellbeing program to help you keep active and motivated with ongoing rewards.

You can earn AIA Vitality Points through engaging in healthy activities and making healthier lifestyle choices every day, starting at Bronze Status and moving up to Silver, then Gold and ultimately Platinum. You can unlock additional benefits when reaching AIA Vitality Silver Status or above: 

  • 100% refund of your hospital excess when you hold a policy for at least 6 months1 
  • An additional 10% back on your Extras3
  • A 5% annual discount maintained on your premium every year you reach Silver Status or higher.

You can earn up to $760 each membership year in vouchers from AIA Vitality partners or cash into your CommBank account. 

Tell me more

Who can apply? 

Health insurance is available to CommBank customers with NetBank, aged 18 years or older. 

Get a quote

Need help with your cover? 

AIA Health's Member Service teams are here to help you with questions and claims enquiries.

Call 1800 943 010

8am - 6pm, Mon - Fri (Sydney/Melbourne time)


Log on to AIA Health Member Services Portal

Things you should know

Excess Refund is not available when claiming on the following clinical categories: Cataracts, Joint replacements, Dialysis for chronic kidney failure, Pregnancy and birth, Assisted reproductive services, Weight loss surgery, Insulin pumps, Pain management with Device & Sleep Studies.

Extras Value Protect

Excluding dental treatments.

The health insurance products described on this website are issued by AIA Health Insurance Pty Ltd (ABN 32 611 323 034) (AIA Health) and are distributed by AIA Financial Services Limited (ABN 68 008 540 252) (AIA Financial Services), a wholly owned subsidiary of AIA Australia Limited (ABN 79 004 837 861) (AIA Australia).

Commonwealth Bank of Australia (ABN 48 123 123 124) (CBA) has been authorised by AIA Financial Services to promote health insurance products issued by AIA Health to its customers, for which CBA receives a commission. AIA Health, AIA Financial Services and AIA Australia are not part of the CBA Group and CBA does not guarantee and is not responsible for the performance of the health insurance products issue by AIA Health or the obligations of AIA Health, AIA Financial Services or AIA Australia. For more information about the products and services CBA provides, you should read CBA’s Financial Services Guide and Privacy Policy.

This information is current as at the date of this communication and may change. It is general information only and is not intended in any way to be financial, legal, tax, health, medical, nutritional or other advice. You should consider your own personal circumstances and needs and view the relevant product documents, fact sheets, fund rules and terms and conditions before making a decision to acquire such products. If necessary you should obtain professional advice from a financial, tax, medical or health professional. 

AIA Vitality is provided by AIA Australia and information about AIA Vitality is provided by AIA Australia. Eligibility for membership to the AIA Vitality program arises under, and is subject to, the AIA Vitality Terms and Conditions. AIA Vitality partners, benefits and rewards are subject to change at any time. Additional program partner terms and conditions may apply. For the most up-to-date information, view the AIA Vitality Terms and Conditions at aiavitality.com.au