Australian Government Rebate

The Australian Government offers people a rebate to help with the cost of private health insurance premiums.

There are a few things to know about the Government Rebate:

  • It’s income tested
  • It’s only applied to the standard cost of your cover
  • If you have a Lifetime Health Cover loading, the Rebate isn’t applied to that portion of your payments
  • The Rebate you get is based on the age of the oldest person of your membership and your taxable household income (for Medicare Levy Surcharge purposes)
  • It’s up to you to let us know your Rebate Tier. But don’t worry – if you don’t tell us (or choose the wrong one) the ATO will work out any difference when you do your tax
  • If you aren’t sure which Tier to choose, head to privatehealth.gov.au or ask your tax agent, financial advisor or the ATO
  • You don’t have to take the Rebate as a reduced premium, you can pay the full cost of your health cover and claim any Rebate back at tax time

Apply to receive the Australian Government Rebate Change your Rebate Tier

Work out your Rebate Tier

 

Step 1: Income Threshold
From 1 July 2024

Step 2: Age & rebate amount
Age of the oldest person on your cover		 Medicare Levy Surcharge
(This will only apply if you don't have private hospital cover)
Under 65 years 65-69 years 70+ years
Base Tier

Single
$97,000 or less
Family*
$194,000 or less

 24.608% 28.710% 32.812% 0%
Tier 1

Single
$97,001 - 113,000
Family*
$194,001 - 226,000

 16.405% 20.507% 24.608% 1%
Tier 2

Single
$113,001 - 151,000
Family*
$226,001 - 302,000

 8.202% 12.303% 16.405% 1.25%
Tier 3

Single
$151,001 or more
Family*
$302,001 or more

 0% 0% 0% 1.5%

*If you're a family with children, the income threshold for each tier is increased by $1,500 for every child after your first.

Family includes single parent families.