Government rebates

The Australian Government Rebate on Private Health Insurance was introduced as a financial incentive to help Australians afford private health cover. The rebate depends on your age, is income-tested and applies to all Health Partners products. The rebate may be claimed as a reduction in your contributions or via your tax return and we can help you nominate your most suitable rebate tier.

The rebate is indexed by the lesser of CPI or the percentage change in your premium each year, using a Government calculated formula. The table below shows the income and age tiers effective 1 April 2017:

Government rebate tiers

  Base Tier  Rebate Tier 1  Rebate Tier 2  Rebate Tier 3 
 Singles  $90,000 or less  $90,001 to $105,000  $105,001 to $140,000  $140,001 or more
 Families  $180,000 or less  $180,001 to $210,000  $210,001 to $280,000  $280,001 or more
Rebate Percentage
 Aged under 65  25.934%  17.289% 8.644%
 Aged 65-69  30.256%  21.612%  12.966%   0%
 Aged 70 or over  34.579%  25.934%  17.289%   0%
 Medicare Levy Surcharge
 Rate  0.0%  1.0%  1.25%  1.5%

*The family income threshold is increased by $1,500 for each child after the first child.

Note: The Australian Government Rebate on private health insurance does not apply to the Lifetime Health Cover loading. The income thresholds set out above are subject to change as determined by the Federal Government. 

From April 1 2016 
From April 1 2016 

How to apply the rebate

Claiming the Rebate

You may claim the rebate as a reduction in your contributions by nominating a Rebate Tier. Alternatively, you can claim the rebate via your tax return.

Please note that if you have a Lifetime Health Cover (LHC) loading, the rebate is not claimable on the LHC component of your private health cover premiums.

Nominating a rebate tier

Use the table above to determine your Rebate Tier.

You can nominate a tier:

Note: There is no penalty for choosing the incorrect rebate tier for your private health insurance policy. When you complete your income tax return, the ATO will review the rebate tier you have elected against your taxable income. If you have not claimed enough, you will be reimbursed for that amount, however you may acquire a tax debt if you have claimed too much. 


Call to action: Quote

Get a quote

Call Health Partners on 1300 113 113 1300 113 113 or get a quote online

(or 1800 182 322 1800 182 322 if you are outside the Adelaide metropolitan area or interstate)