Health insurance that protects you and supports your wellbeing

CommBank has partnered with AIA Health to actively improve the health and wellbeing of Australians.

Member benefits

AIA Health Insurance members have access to a wide range of benefits and rewards, including care plans, affordable dental care, discounts on optical products and additional benefits unlocked through AIA Vitality.

Cancer Aid's Cancer Coach program

Designed by oncologists to empower people during their cancer care journey at no extra cost.

Learn more about Cancer Coach

Kieser Care Plans

Supporting our customers with hip and knee osteoarthritis and lumbar spine conditions.

Learn more about Kieser Care

Dental benefits

Get up to 100% back on preventative dental check-ups at smile.com.au dentists

Learm more about Dental

Optical benefits

Get 100% back at your choice of optical store.*

Learn more about Optical

AIA Vitality

Engage with AIA Vitality to unlock more insurance and member benefits.

Learn about AIA Vitality
Introducing FlexiExtras

Putting control and value in your hands

FlexiExtras allows you to spend one big dollar amount as you choose on common Extras such as dental, physiotherapy, chiropractic, remedial massage and much more.

Plus, your annual FlexiLimit grows each consecutive year you stay with us, up to 5 years.

Allows you to use your benefit limit as you choose, on included Extras under your policy.

Your FlexiLimit will increase by $100 each consecutive year, capped at a maximum of $400 per person per policy.

Find the right cover for you

Have your pick and find the right cover that suits your needs.

Hospital & Extras

Combined Hospital and Extras cover is a popular choice.  Helping you prepare for life’s unexpected moments.

Hospital Only

Covers your treatment in a private or public hospital, choice of doctor and helps you avoid lengthy waiting periods.

Extras Only

Exclusive to CommBank customers. Extras Only cover is for treatment that doesn’t take place in a hospital. E.g. dental, physiotherapy or optical services. 

Voted #1

Best Health Insurance provider

ProductReview.com.au 2024, 2023, 2022, 2021

Your Hospital & Extras come with AIA Vitality

AIA Vitality is a personalised, science-backed health and wellbeing program that supports you to make healthier choices. It helps you understand your current state of health, provides tools to improve your overall health, and offers incentives to keep you motivated on your wellbeing journey. 

You can also get

$500 Shopping vouchers

Up to $500 a year in retail shopping vouchers or cash into your CommBank account.

$260 Active benefits

Earn up to $260 a year for reaching your weekly physical activity targets.

100% Excess refund

Claim 100% of your hospital excess when you hold your policy for 6 months.

5% premium discount

On your first year’s premium. Reach AIA Vitality Silver status each year to maintain.

Extras Boost

Get an additional 10% back on selected non-dental Extras.

Cashback on flights

Get up to 50% cashback on the base fare of eligible Virgin Australia flights.


* Optical cover is not available on Base Set Extras.

Member Guide

Your Member Guide is designed to help you understand important information about your private health insurance policy and how your AIA Health Insurance membership works in accordance with our Fund Rules. It should be read in conjunction with your AIA Health Insurance Product Fact Sheets. Please note our Fund Rules, Member Guide and Product Fact Sheets may change from time to time.