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.

    AIA Health Insurance is only available to CommBank customers that are Australian residents, aged 18 years or older.

Why join AIA Health?

No gap dental

Get no gap dental for eligible preventative services at a dentist.

100% back optical

Get 100% back on all optical claims (up to your limit) at your choice of optical store.1

Supporting mental wellbeing

All Extras policies include access to mental wellbeing benefits, in addition to providing you access to wellbeing service providers via AIA Vitality so you can be the healthiest version of yourself.2

Rated best health insurance in 2023 and 2024

For the third time, AIA Health Insurance has won a award, taking out Best Health Insurance for 2023 and 2024. Top points were awarded to AIA’s helpful customer service and transparency.

Be rewarded for a healthier lifestyle with AIA Vitality

Eligible health insurance policies include access to AIA Vitality (or AIA Vitality Starter)3, a personalised, science-backed health and wellbeing program to help you keep active and motivated with ongoing rewards.

Earn AIA Vitality Points through engaging in healthy activities and making healthier lifestyle choices every day and be rewarded with cashback and discounts.

Earn up to $260 as cashback into your CommBank account or in gift cards with AIA Vitality Starter and up to $760 with AIA Vitality.3

Plus, earn discounts on gym memberships, fitness devices and health services, as well as cashback on eligible flights.

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Bonus benefits for your Health Insurance

Receive a 5% annual discount 

With AIA Vitality, you get a 5% annual discount on your health insurance premiums every year when you reach AIA Vitality Silver Status.

Hospital excess or co-payment refund

100% refund of your hospital excess ($500 or $750) or, for Gold Hospital cover, a refund of one day's co-payment when you reach AIA Vitality Silver Status and hold a policy for at least six months.4

10% extras boost

Once you reach and maintain AIA Vitality Silver Status you will get an additional 10% back on your non-dental extras (up to annual limits). 5

Switching to AIA Health is easy

    1. Explore AIA’s range of health insurance cover options – Click ‘Get a quote’ and log on to NetBank to explore health insurance cover options that suits your needs and budget
    2. Once you’ve found the cover you need, AIA Health will take care of the paperwork to switch you across
    3. AIA Health will honour the waiting period you’ve already served with your previous fund, giving you immediate cover

    Once you’re signed up to AIA Health, keep an eye out for your email to activate AIA Vitality. From there, download the AIA Vitality app and start earning ongoing rewards.

    Get a quote


Hospital cover helps to cover the costs of being treated in hospital. Having Hospital cover means you can be treated in a private hospital and avoid public hospital waiting lists. You get more control over where you're treated, and who treats you.

Each level of AIA Health Insurance Hospital Cover (from Basic to Gold) is differentiated by the list of treatments included. For example, cover to be treated in a private hospital for pregnancy is only available on our Gold Hospital cover.

Extras cover is for treatments that do not take place in a hospital, like visits to the dentist, physiotherapy or optical services. AIA Health Insurance Extras cover can be taken as Extras Only (exclusive to CommBank customers) or as Combined cover. The types of services you can claim under your Extras cover will depend on the level of cover you take out, but essentially this type of cover is to help with services and treatments received out-of-hospital, that aren't covered by Medicare.

Combined cover refers to taking out both Hospital and Extras cover. That's why you'll hear the term 'Hospital and Extras' used so much when it comes to health insurance - it's a popular choice.

Most Australians with private health insurance currently receive a rebate from the Australian Government to help cover the cost of their premiums, either as:

  • A reduction of your AIA Health Insurance premium; or
  • A lump sum payment when lodging your tax return

The level of your rebate depends on your income and your age. To find out how much you could get back, use the Private Health Insurance Rebate Calculator on the Australian Taxation Office website.

The MLS is simply an extra tax that people above a certain income threshold have to pay if they don't have eligible private hospital cover. It's calculated in three tiers for singles and couples/families. Find out more about the MLS on

The LHC loading is a Government loading on your private hospital cover premiums. It was introduced on 1 July 2000 to encourage people to take out private hospital cover earlier in life and encourage them to maintain it. LHC is a 2% loading on top of your premium for every year you don't have hospital cover after you turn 30. The maximum loading is 70%. Learn more about LHC.

Things you should know

  • 1 Optical cover is not available on Base Set Extras

    2 Two month waiting period applies

    3 AIA Vitality and AIA Vitality Starter are provided by AIA Australia. Eligibility for membership to the AIA Vitality or AIA Vitality Starter program arises under, and is subject to, the AIA Vitality Terms and Conditions. Access to AIA Vitality or AIA Vitality Starter is dependent upon the insurance product held. Customers who purchase a Basic Accident Only or Basic Plus Hospital policy will have access to AIA Vitality Starter and customers who purchase a Bronze or above Hospital policy will get access to AIA Vitality. AIA Vitality and AIA Vitality Starter is not available on Extras Only polices. AIA Vitality and AIA Vitality Starter partners, benefits and rewards are subject to change at any time. For the most up-to-date information and to view the AIA Vitality Terms and Conditions see

    4 If, at the time you are admitted to hospital, you have held an AIA Health policy for a minimum of six months and have an AIA Vitality Silver Status or higher, we will refund your excess or one day’s co-payment, whichever applies. No refund is 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.

    5 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.