How to claim your private health insurance rebate

Average customer rating: 4.3/5
Written by Joshua Malin
Reviewed by Steven Spicer
Updated 19 March, 2024

How do I calculate my rebate entitlement?

The private health insurance rebate applies as a percentage of your extras, hospital cover or combined policy premiums. However, the rebate doesn’t apply to overseas visitor health cover.

The rebate is income tested, meaning those with a lower income are entitled to a higher rebate. These tiers are current from January 2024:

Income tiers Base tier Tier one Tier two Tier three
Single income Under $93,000 $93,001-108,000 $108,001-144,000 Over $144,001
Family income Under $186,000 $186,001-216,000 $216,001-288,000 Over $288,001
Rebate amount
Under 65 24.608% 16.405% 8.202% 0%
65-69 28.710% 20.507% 12.303% 0%
Over 70 32.812% 24.608% 16.405% 0%

Source: Current from 1 July 2023

Single parents and couples are included in the family tiers. The income thresholds for families with dependent children are increased by $1,500 for each child after the first.

For more details, refer to the Australian Taxation Office (ATO) website or call us to speak to one of our health insurance experts.

Australian private health insurance rebate options

Assuming you meet the eligibility requirements, you can claim the Australian private health insurance rebate in one of two ways.

Opt for a reduced premium

Receive the rebate as a tax offset

Meet our health insurance expert, Steven Spicer

Steven Spicer
Executive General Manager – Health, Life & Energy

As the Executive General Manager of Health, Life and Energy, Steven Spicer is a strong believer in the benefits of private cover and knows just how valuable the peace of mind that comes with cover can be. He is passionate about demystifying the health insurance industry and advocates for the benefits of comparison when it comes to saving money on your premiums.