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Australian Government Rebate on Private Health Insurance Explained

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

The Australian Government rebate on private health insurance is a sum of money refunded to you at tax time, which can also be taken directly off the price of your hospital insurance premium.

This rebate is designed to make health insurance more affordable, and take some pressure off the public hospital system. You’re eligible for the rebate if you buy hospital, extras or urgent ambulance insurance either by themselves or in combination.

How does the rebate work?

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

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 26.791% 17.861% 8.930% 0%
Age 65 - 69 31.256% 22.326% 13.395% 0%
Age 70+ 35.722% 26.791% 17.861% 0%
Medicare Levy Surcharge
All ages 0.0% 1.0% 1.25% 1.5%

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