The Australian Government Rebate on Private Health Insurance

Most Australians with private health insurance receive a rebate from the Australian Government to assist with the cost of their private health insurance. The rebate received depends on your level of income. The income thresholds are usually reviewed and indexed by the Government each year. However, the Government has paused the indexing of the income thresholds until 30 June 2021.

The Australian Government announced on March 30, 2020 that there will be no indexation of the Private Health Insurance rebate on April 1, 2020 due to the coronavirus (COVID-19) pandemic. This means that the rebate percentages commencing April 1, 2019 will continue to apply until March 31, 2021.

  Base Tier Tier 1  Tier 2 Tier 3
 Single income  $0 - $90,000  $90,001 - $105,000  $105,001 - $140,000 $140,001 +
 Family income  $0 - $180,000 $180,001 - $210,000  $210,001 - $280,000 $280,001 +


  Base Tier Tier 1 Tier 2 Tier 3
Less than 65 years 24.608% 16.405% 8.202% NIL
65 to 69 years 28.710% 20.507% 12.303% NIL
70 years or older 32.812% 24.608% 16.405% NIL
The rebate can be claimed in two ways:
  • As an upfront reduction to your premium. To do this, you will need to complete the Australian Government Rebate Application Form. You will need to nominate a rebate tier from the above table so that we know how much rebate you wish to claim. If you need to change your rebate tier, you can nominate a new tier by calling us on 1300 090 960, by email to or login to Online Member Services.
  • At the end of the financial year when you lodge a tax return.
For more information about the rebate, click here or contact the Australian Taxation Office on 13 28 61.

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Underwritten by St.LukesHealth


These products are underwritten by St Luke's Medical and Hospital Benefits Association ACN 009 479 618 (St.LukesHealth), a registered private health insurer, [trading as Astute Simplicity Health] and members are introduced by Astute Financial Management Pty Ltd or related entities (collectively known as Astute) for which Astute receives a commission.

* The discount cannot be combined with other discounts available under other arrangements between St.LukesHealth and other alliance partners. The discount quoted is off the gross St.LukesHealth premiums. Direct debit is the only payment method available to Astute Simplicity Health members.

^ For some preventative dental items on selected products. Annual limits, fund rules and waiting periods apply. Under Gap Free Preventative Dental we pay 100% of your dentists regular fee up to a maximum benefit for each service.

#Selected products are Packaged Astute Gold 250, Packaged Astute Gold 500, Astute Top Hospital Gold 250, Astute Top Hospital Gold 500