This was posted 10 months 22 days ago, and might be an out-dated deal.

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6 Weeks Rebate in Oct 23 with Eligible Hospital & Extras Cover, 3 Weeks in Jul 24 with AIA Vitality Silver Status @ AIA Health

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6 Weeks Rebate in Oct 23 with Eligible Hospital & Extras Cover, 3 Weeks in Jul 24 with AIA Vitality Silver Status @ AIA Health
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Associatedinswatch @ Insurance Watch on 06/06/2023 - 18:51 aia.com.au (234 clicks)
Last edited 06/06/2023 - 19:30 by 1 other user

Up to 9 weeks free health insurance when joining AIA Health Insurance by 30th June 2023

*Full Terms and Conditions

The offer works as a premium refund if certain conditions are met:

For Hospital & Extras cover:

  1. Join before 30th June and maintain continuous cover until 1 October 2023 - receive a refund of 6 weeks premium
  2. Continue to maintain cover until 1 July 2024 plus achieve Vitality status of Silver or higher - receive a further refund of 3 weeks premium

For Hospital cover only:

Join before 30th June and maintain continuous cover until 30th September 2023 - receive a refund of 4 weeks premium

AIA Health policies come with the AIA Vitality health and wellbeing program automatically included, providing the opportunity to benefit from shopping rewards and discounts on flights, movies, gym memberships and more.

Plus combining AIA Health Insurance with AIA Priority Protection policies for Life, TPD, Trauma and Income Protection Insurance will provide an additional 5% saving on these policies, on top of the initial Vitality discount of 7.5% to 17.5%.

Find out more about AIA Health Insurance, AIA Vitality and AIA Life Insurance policies at Insurance Watch

Financial AIA Vitality Ancillary Health Insurance Health Insurance Insurance Rebate

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closed Comments

  • sicinadan on 06/06/2023 - 19:19

    Any deals for existing members?

  • autonomate on 06/06/2023 - 20:02
    +5

    This actually isn't that good.

    Most providers are providing 6 weeks free after 4 weeks paid.

    This requires you to stay at best case a minimum of 12 weeks for 6 weeks refund (but if you joined today it'd be even worse because the PDS has a set date for the 6 weeks free, so it'd actually be 15 weeks if you signed up today). So it's essentially 6 weeks free after 6 week paid.

    Do yourself a favour and join Bupa (https://www.bupa.com.au/campaigns/health-insurance/six-weeks…), UniHealth (https://www.unihealthinsurance.com.au/offer/), Frank (https://www.frankhealthinsurance.com.au/), gmhba (https://www.gmhba.com.au/) instead which all offer at first payment or after 30 days of cover.

    • Ibz on 06/06/2023 - 20:39

      Most people just keep their cover for 1-2 years. Good advice for those who cycle it regularly though

      • autonomate on 06/06/2023 - 20:47

        I worked it out to $504/yr vs $1159/yr with churning. Definitely worth it for "google for free 6-week offer once every 2.5 months" in savings.

        • michael9865 on 06/06/2023 - 21:16

          Can you keep churning to the same provder to get 6 weeks free?
          Lke just change between bupa and medicare repeatedly

          • autonomate on 07/06/2023 - 08:33

            @michael9865: Not sure about those specifically but there’s at least 2 I’ve read that have eligibility criteria of not being a customer for a minimum period of 60 days, and others like Frank are 12 months.

            But also keep in mind the 6 week promotion is just that, a promotion and usually for a limited time.

  • Mini eye on 06/06/2023 - 21:13
    +3

    I wouldn’t bother. Their app is really bad. I’ve started with them in March last year and signed for 2 years with the free Apple Watch Series 7. You need to clock up 500 points every week to pay off the watch. The app is hopeless and doesn’t record points accordingly even after hitting refresh 100x. Then to upload proof of forms eg health checks to gain extra points., it keeps saying error. Very bad system. Customer service isn’t that great either. It takes ages for them to respond via email unless you call them and the wait on the phone is at least 20 mins.I have had to escalate a few times and wasn’t entirely satisfied with the outcome. I regret joining these guys. Would rather fork out the money for Apple Watch and go with someone else.

    • bl00pb0b on 10/06/2023 - 17:14

      thanks for this mate! saved me a huge hassle

  • eatwell365 on 07/06/2023 - 04:25
    +5

    When schemes are so complex, I smell a rat.

  • clover on 09/06/2023 - 09:53

    I hate the new app. They forced us to book flight via the app and discontinued the website.i dont like to book flights on a tiny screen. So difficult to browse for flights and a hassle to type in personal details, especially when it is a disaster if i mistype my details

  • deanmoriarty on 20/06/2023 - 11:39
    Merged from Join & Maintain Hospital & Extras Cover until 1/10, Get 6 Weeks Premium Refunded @ AIA Health

    Great reviews:
    https://www.productreview.com.au/listings/aia-health-insuran…

    Details from website:

    Simply take out a combined Hospital & Extras policy by June 30 and maintain continuous membership until 1 October 2023, we’ll then refund you 6 weeks’ worth of your premium to your nominated bank account. Then maintain continuous membership up to 1 July 2024 and achieve AIA Vitality Silver Status or above and we’ll refund you 3 weeks’ worth of your premium to your nominated account.

    Hospital only health cover offer: Get 4 weeks free when you take out a hospital only policy online or via phone by June 30

    Waiting periods recognised
    We’ll honour waiting periods you’ve served with your previous fund, so you’re covered right from the start.

    • lilchonk on 20/06/2023 - 11:46

      Ah crap thanks for reminding me i need health insurance so i don't pay another 2% loading. Wondering if its just worth paying the medicare levy instead

      • eltito on 20/06/2023 - 12:51

        You are probably getting confused with the Medicare levy and Medicare levy surcharge (MLS)

        The Medicare levy is payable by most Australians - some exemptions apply (https://www.ato.gov.au/Individuals/Medicare-and-private-heal…).

        The Medicare levy surcharge (MLS) is a further "charge" to the Medicare levy (above), of which is payable if you earn above a threshold (https://www.ato.gov.au/Individuals/Medicare-and-private-heal…).

        If your salary position is above the threshold (for 2022-23 - $90,000 single threshold; $180,000 family threshold - higher if you have children), then you will be pinned with also paying the MLS which is anywhere from 1 - 1.5% depending on your income threshold.

        The way you avoid paying the MLS is to take up an appropriate level of hospital cover. Provided you were covered appropriately for the financial year, you don't pay the MLS.

        The flip side to taking up a appropriate level of hospital cover (either for tax or non-tax purposes) is something called Lifetime Health cover (LHC). The private health gov website explains this really well: https://www.privatehealth.gov.au/health_insurance/surcharges…

        "If you do not have hospital cover on your Lifetime Health Cover base day and then decide to take out hospital cover later in life, you will pay a 2% loading on top of your hospital premium for every year you are aged over 30, based on your age on the 1 July prior to joining. The maximum LHC loading that anyone can pay is 70%. Increased premiums due to LHC loading stop after 10 years of continuous hospital cover."

        A quick example, say I was 40 years old, and decided to get private hospital cover. I'd be charged with the the normal premiums, plus 10% loading - and this would occur for 10 continuous years of hospital cover. After 10 years, it would be removed.

        That is the gist of how it works, there is more detailed information (including exemptions like the 'permitted days without hospital cover'), of which can be found within the relevant websites.

      • elecpurch on 20/06/2023 - 13:38

        I've looked at this every year for the last few years and every time I end up paying MLS which is still way cheaper than a good cover. The basic/essentials cover would be cheaper than MLS but there's hardly anything covered in a basics cover!

    • life is suffering on 20/06/2023 - 11:50
      +1

      Previous waiting periods - how long for previous ? Can be years in the past ? Sorry noob.

      Also are people getting insurance now to avoid loading ?

      • thestig on 20/06/2023 - 12:14
        +1

        The loading is based on the number of days in the financial year you didn't hold health insurance so you can't just pick it up late June to avoid the loading this financial year. If you expect to cross the threshold next year then good to have it by 1 July though.

        • life is suffering on 20/06/2023 - 12:42

          Cheers for explaining . I'm seeing a lot of posts on Reddit as well so wasn't sure why people have just woken up.

    • qwerty40777 on 20/06/2023 - 12:49

      Been with these guys for a few years now, the main initial incentive for me was the 50% off Goodlife/Fitness First rates and Virgin flights. Plus if you meet your weekly fitness goals you can get a $5 gift voucher or cashback to your CBA account each week and up to $500 cashback each year for points milestones which more than covers the premiums for me

      • Jetkuma on 20/06/2023 - 13:11
        +2

        If you really want to play that game, get 100k life/tpd inside mastertrust/super with them and get AIA Vitality. It costs around 200-300 a year (you can get inside super but need an insurance broker) + 130~ AIA vitality. That basically mean you get $500 reward if you meet all fitness goal, $260 if you meet weekly excercise, and discounts on various places. Not only that, they give your insurance further discounts if you reach gold/platinum

        You basically earn around $300-500 a year while paying insurance inside super which is taxed at 15%.

        To me, i just think of it as a way to access my super in a different way…

    • Behappy on 20/06/2023 - 13:20

      Anyone on AIA able to give feedback please
      Thinking of moving from bupa to AIA

    • BargainLuver on 20/06/2023 - 15:34

      @Jetkuma can this be done with any Super fund? Would be great if you could share more of the how. I'm with aia since their previous sign up offer in march. Looking to change again to get a different offer, but enjoying the vitality rewards.

      • Jetkuma on 20/06/2023 - 15:39
        +1

        Mastertrust is what you are looking for. It is basically a superfund created to just hold your insurance inside the super. Each year, they will request a rollover from your current super fund to that one to pay for insurance.

        That's the current arrangement I have with AIA Life/TP.

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