myOwn

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Cover that gives back

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You've never seen health insurance like this

 

The cover you need...

myOwn is a new kind of health insurance. Not only can you choose from a range of covers designed to suit you, you can also make the most of up to 70% back on extras cover from any recognised provider.

...with the rewards for healthy choices

One of the best things about having myOwn health insurance is that you get to enjoy the benefits of AIA Vitality - the health and wellbeing program that actually rewards you for taking the steps to boost your health.

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Amazing things happen when you value yourself

Seriously, the more you take care of your health and wellbeing, the more value you'll get out of the AIA Vitality program. Here's how it works:

Improve your health

enjoy discounted active wear

redeem special offers on spa treatments

get money off your fitness device

Get rewards

for exercising regularly

making healthy lifestyle changes

tracking your nutrition

Know your health

take our free online assessments

discover fitness tests designed for you

access your own comprehensive health report

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It's time for myOwn way of browsing cover

Accident cover

Accident Only Package with AIA Vitality®

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From: $

This is our accident package suited to people seeking minimal hospital and extras cover and includes access to the AIA Vitality wellbeing program for up to two covered adults.

Select Cover
  • Hospital inclusions

    Items below are either ( ) covered, ( ) partially covered or ( ) not covered.

    Cardiac and cardiac-related
    Dental implants
    Cardiac and cardiac-related
    Dental implants

    Ambulance cover, Australia wide, emergencies only.

    Please note: All products exclude hospital treatment for which Medicare pays no benefit (i.e. cosmetic surgery).

    Waiting periods:

    • accidents = 1 day,
    • all other hospital treatments = 2 months


    For information check out our Help page

  • Extras

    Claim 50% back for all included treatments except Optical which is 100%.

    A waiting period of 2 months applies to all included treatments except for Optical which is 6 months.

    General Dental $800yr
    per person
    Preventative Dental No annual limit
    per person
    Optical $200*yr
    per person
    Physiotherapy $300yr
    per person
Basic cover

Basic Package with AIA Vitality®

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From: $

A bit more than just accident cover and still very affordable. Private hospital cover (with some exclusions) with 55% back on Extras up to annual limits. Includes AIA Vitality memberships for up to two covered adults (the member and their partner).

Select Cover
  • Hospital inclusions

    Items below are either ( ) covered, ( ) partially covered or ( ) not covered.

    Cardiac and cardiac-related
    Dental implants
    Cardiac and cardiac-related
    Dental implants

    Ambulance cover, Australia wide, emergencies only.

    Please note: All products exclude hospital treatment for which Medicare pays no benefit (i.e. cosmetic surgery).

    Waiting periods:

    • Pre-existing conditions (other than psychiatric, rehabilitation, palliative care) = 12 months,
    • accidents = 1 day,
    • all other hospital treatments = 2 months


    For information check out our Help page

  • Extras

    Claim 55% back for all included treatments except Optical and Preventative Health Benefits which is 100%.

    A waiting period of 2 months applies to all included treatments except Optical which is 6 months wait. For major dental, orthodontics and non-surgically implanted prostheses & appliances which are 12 months wait.

    General Dental $800yr
    per person
    Preventative Dental No annual limit
    per person
    Major Dental No annual limit
    per person
    Orthodontics No annual limit
    per person
    Lifetime Limits No annual limit
    per person
    Optical $200*yr
    per person
    Physiotherapy $300yr
    per person
    Hydrotherapy $300yr
    per person
    Myotherapy $300yr
    per person
    Exercise Physiology $300yr
    per person
    Chiropractic $300yr
    per person
    Osteopathy $300yr
    per person
    Naturopathy $300yr
    per person
    Homeopathy $300yr
    per person
    Acupuncture $300yr
    per person
    Remedial massage $300yr
    per person
    Podiatry $300yr
    per person
    PBS Pharmacy $300yr
    per person
    Psychology $300yr
    per person
    Audiology $300yr
    per person
    Eye therapy $300yr
    per person
    Speech therapy $300yr
    per person
    Antenatal and postnatal $300yr
    per person
    Occupational therapy $300yr
    per person
    Medicaly Perscribed Appliance $300yr
    per person
    Orthopaedic appliance $300yr
    per person
    Swimming lessons (0-17years) $300yr
    per person
    Dietetics $300yr
    per person
    Preventive Health Benefits $300yr
    per person
For that extra bit of cover

Mid Package with AIA Vitality®

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From: $

This is our basic package suited to people seeking minimal hospital and extras cover and includes access to the AIA Vitality wellbeing program for up to two covered adults.

Select Cover
  • Hospital inclusions

    Items below are either ( ) covered, ( ) partially covered or ( ) not covered.

    Cardiac and cardiac-related
    Dental implants
    Cardiac and cardiac-related
    Dental implants

    Ambulance cover, Australia wide, emergencies only.

    Please note: All products exclude hospital treatment for which Medicare pays no benefit (i.e. cosmetic surgery).

    Waiting periods:

    • Pre-existing conditions (other than psychiatric, rehabilitation, palliative care) = 12 months,
    • accidents = 1 day,
    • all other hospital treatments = 2 months


    For information check out our Help page

  • Extras

    Claim 60% back for all included treatments except Optical and Preventative Health Benefits which is 100%.

    A waiting period of 2 months applies to all included treatments except Optical which is 6 months wait. For major dental, orthodontics and non-surgically implanted prostheses & appliances which are 12 months wait.

    General Dental $800yr
    per person
    Preventative Dental No annual limit
    per person
    Optical $200*yr
    per person
    Physiotherapy $300yr
    per person
The complete package

Comprehensive Package with AIA Vitality®

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From: $

This is our basic package suited to people seeking minimal hospital and extras cover and includes access to the AIA Vitality wellbeing program for up to two covered adults.

Select Cover
  • Hospital inclusions

    Items below are either ( ) covered, ( ) partially covered or ( ) not covered.

    Cardiac and cardiac-related
    Dental implants
    Cardiac and cardiac-related
    Dental implants

    Ambulance cover, Australia wide, emergencies only.

    Please note: All products exclude hospital treatment for which Medicare pays no benefit (i.e. cosmetic surgery).

    Waiting periods:

    • Pre-existing conditions (other than psychiatric, rehabilitation, palliative care) = 12 months,
    • accidents = 1 day,
    • all other hospital treatments = 2 months


    For information check out our Help page

  • Extras

    Claim 70% back for all included treatments except Optical and Preventative Health Benefits which is 100%.

    A waiting period of 2 months applies to all included treatments except Optical which is 6 months wait. For major dental, orthodontics and non-surgically implanted prostheses & appliances which are 12 months wait.

    General Dental $800yr
    per person
    Preventative Dental No annual limit
    per person
    Optical $200*yr
    per person
    Physiotherapy $300yr
    per person
For a growing family

Top Package with AIA Vitality®

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From: $

This is our basic package suited to people seeking minimal hospital and extras cover and includes access to the AIA Vitality wellbeing program for up to two covered adults.

Select Cover
  • Hospital inclusions

    Items below are either ( ) covered, ( ) partially covered or ( ) not covered.

    Cardiac and cardiac-related
    Dental implants
    Cardiac and cardiac-related
    Dental implants

    Ambulance cover, Australia wide, emergencies only.

    Please note: All products exclude hospital treatment for which Medicare pays no benefit (i.e. cosmetic surgery).

    Waiting periods:

    • Pre-existing conditions (other than psychiatric, rehabilitation, palliative care) = 12 months,
    • Pregnancy & related services = 12 months
    • accidents = 1 day,
    • all other hospital treatments = 2 months


    For information check out our Help page

  • Extras

    Claim 70% back for all included treatments except Optical and Preventative Health Benefits which is 100%.

    A waiting period of 2 months applies to all included treatments except Optical which is 6 months wait. For major dental, orthodontics and non-surgically implanted prostheses & appliances which are 12 months wait.

    General Dental $800yr
    per person
    Preventative Dental No annual limit
    per person
    Optical $200*yr
    per person
    Physiotherapy $300yr
    per person

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