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What is the Australian Government Rebate on Private Health Insurance

Discover how the Australian Government is making private health insurance more affordable.


The rebate is a government initiative that helps make health insurance more affordable. It’s a sum of money you can apply to your premium, to make it cheaper. Alternatively, you can get it back as a lump sum when you lodge your tax return. The rebate applies to hospital, extras and urgent ambulance insurance.


How does the rebate work?

Your rebate amount depends on your age and taxable income. The less you earn, the greater your refund.

The rebate is adjusted on 1 April every year.

To find out more about how the rebate works, head to the ATO’s website.

Tax Tiers:
Base Tier
Tier 1
Tier 2
Tier 3
Singles
Families
≤$90,000
≤$180,000
$90,001-105,000
$180,001-210,000
$105,001-140,000
$210,001-280,000
≥$140,001
≥$280,001
Rebate
< Age 65 25.934% 17.289% 8.644% 0%
Age 65 - 69 30.256% 21.612% 12.966% 0%
Age 70+ 34.579% 25.934% 17.289% 0%
Medicare Levy Surcharge
All ages 0.0% 1.0% 1.25% 1.5%

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