Health Insurance FAQs

Hospital Cover helps pay for the cost of treatment, accommodation, medication and medical procedures when you're admitted to hospital as a private patient.

Extras Cover is for health services that may not be covered by Medicare, such as physiotherapy, dental and optical. It does not include access to hospital.

In Australia, Medicare provides health care for citizens and permanent residents. By taking out private health insurance you can get more health care options, increased peace of mind, and it may even help you access certain tax exemptions.

Yes, you can. If your condition or illness is determined to have met the pre-existing condition definition, a 12-month waiting period applies from the date of joining or upgrading your level of hospital cover.

Waiting periods already served with your current fund will be recognised, so you can claim straight away. However, you may be required to serve a waiting period for benefits on your new health insurance policy that aren't covered by your existing fund. Any benefit limits already used with your current health fund will apply to your Apia health insurance policy. For more information contact us or read the Policy Booklet.

Your Apia Health Insurance policy number can be found on your certificate of insurance, on your membership card, or online via My Apia Health.

Updating your Apia Health Insurance policy online is simple. Login to My Apia Health and you’ll be able to change your address, make a claim, check your benefits and more.

Extras Cover is for health services that may not be covered by Medicare, such as physiotherapy, dental and optical. It does not include access to hospital. 

Yes, you can still access the public hospital system (Medicare) even if you have private health insurance. Using Medicare is at no cost to you as the patient. If you opt to use your private health insurance in a public hospital as a private patient however, there may be out of pocket expenses. 

You can easily claim at the time of treatment by using your physical or digital  Apia Health Insurance card. Just swipe or tap your card at the provider’s terminal, and you’ll only need to pay the balance. You can also make a claim online using My Apia Health for your Apia Health Insurance policy, or you can contact us and we’ll help you through the process.

Yes, you can add your Apia Health card to your digital wallet (available on Apple devices) and tap the provider’s terminal (like HICAPS) to claim instantly. If you prefer, you can still use your physical card at the terminal. Alternatively, you can submit your claim online through Apia Health Online Services or contact us.