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What is the Australian Government Rebate on Private Health Insurance

Find out 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 get back at tax time or apply to your premium to make it cheaper. The rebate applies to hospital, extras and urgent ambulance insurance.


How can I get the rebate?

You can access the rebate in two ways:

  1. You can apply to your premium when you take out a health insurance policy, to make it cheaper; or 
  2. you can get it back as a lump sum when you lodge your tax return. 

How much will I get?

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.

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 25.415% 16.943% 8.471% 0%
Age 65 - 69 29.651% 21.180% 12.707% 0%
Age 70+ 33.887% 25.415% 16.943% 0%
Medicare Levy Surcharge
All ages 0.0% 1.0% 1.25% 1.5%

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


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