What is it?

The Australian Government Rebate on Private Health Insurance provides a partial refund to those who take out private health insurance. This has been designed to make private cover more affordable, and take some pressure off the public system. Your rebate amount depends on your age and taxable income, and applies to hospital, extras and urgent ambulance cover.

If you earn...
  • $90,000
    26.791% rebate
    Save up to an
    estimated $640 a year
  • $105,000
    17.861% rebate
    Save up to an
    estimated $427 a year
  • $140,000
    8.930% rebate
    Save up to an
    estimated $214 a year
$90,000
26.791% rebate
Save up to an
est $640 a year
$105,000
17.861% rebate
Save up to an
est $427 a year
$140,000
8.930% rebate
Save up to an
est $214 a year

Generally, you'll receive your rebate by paying a reduced premium, or you can claim it back when you complete your annual income tax return.

Estimated based on WA rates for a single Top Hospital policy with no excess, paid annually.

You could pay less by going private

The government offers a range of incentives for individuals and families to take out private health cover. As well as receiving a rebate, you could also avoid paying the Medicare Levy Surcharge when you take out private health insurance.

  • No
    private health insurance
    pay $1,040 MLS

    pay $1,040 MLS
  • HBF
    private health insurance
    pay $740 a year

    26.791%
    rebate
    Estimated
    saving $300
    Est saving $300

Based on a single earning $104,000 pa on a Young Saver Hospital with no excess, paid annually.