AIA health insurance (formerly myOwn) review | CHOICE
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AIA health insurance (formerly myOwn) review | CHOICE
On this page:
- How good is AIA’s gap cover?
- How many hospital agreements does AIA have in my state?
- Does AIA offer any discounts?
- Does AIA offer ambulance cover?
- Does AIA offer family policies that cover adult children?
- Does AIA let you claim online or in-app?
AIA summary
AIA health insurance (formerly MyOwn) was established in 2017 as a joint venture between life insurer AIA Australia, health fund GMHBA and financial services provider Discovery. In 2020, MyOwn closed to new customers and AIA health insurance was launched.
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Phone:
AIA Website: aia.com.au,
MyOwn Website: myown.com.au
A medical gap is the difference between Medicare’s recommended fee and what your doctor actually charges for a treatment or service.
Health funds have agreements with particular doctors and hospitals to cover all of the gap, which are called ‘no gap agreements’, or part of that gap, which are called ‘known gap agreements’ (these will have lower out-of-pocket costs, usually less than $500).
Our graphic below displays the CHOICE gap rating, which takes into account the percentage of services where members either paid no gap or a known gap, compared to the state average.
Rating scale
- Well above average
- Above average
- Average
- Below average
- Well below average
AIA Health gap cover rating by state
Australian Capital Territory
Average
New South Wales
Below average
Northern Territory
Well below average
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Queensland
Average
South Australia
Below average
Tasmania
Well below average
Victoria
Average
Western Australia
Below average
How many hospital agreements does AIA have in my state?
The benefit amount your fund pays you for hospital services depends not only on the type of cover you buy, but also whether your fund has an agreement with the hospital where you’re treated.
The table below shows how many hospital agreements myOwn has in your state compared to the fund with the highest number (the industry maximum). Note that public hospitals don’t have agreements with specific funds and are generally treated as though they’re agreement hospitals.
AIA Health has
ACT
6 private hospital agreements out of an industry maximum of 6
7 day hospital agreements out of an industry maximum of 9
NSW
89 private hospital agreements out of an industry maximum of 95
87 day hospital agreements out of an industry maximum of 109
NT
2 private hospital agreements out of an industry maximum of 2
1 day hospital agreements out of an industry maximum of 1
Qld
51 private hospital agreements out of an industry maximum of 57
45 day hospital agreements out of an industry maximum of 61
SA
26 private hospital agreements out of an industry maximum of 28
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24 day hospital agreements out of an industry maximum of 33
Tas
8 private hospital agreements out of an industry maximum of 8
3 day hospital agreements out of an industry maximum of 8
Vic
74 private hospital agreements out of an industry maximum of 77
69 day hospital agreements out of an industry maximum of 83
WA
19 private hospital agreements out of an industry maximum of 23
21 day hospital agreements out of an industry maximum of 25
Does AIA offer any discounts?
MyOwn has a rewards program that offers up to 5% off premiums.
Youth discounts: None.
All hospital and combined policies cover emergency ambulance in all states.
Depending on where you live, you may not need a policy with ambulance cover.
- Queensland and Tasmania: Emergency ambulance services are covered by the state government.
- NSW and ACT: All hospital policies come with emergency ambulance cover – so you’ll be covered with any hospital or combined policy you select.
- South Australia, Victoria and NT: You can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance in your state or territory or refund at least part of the cost of the ambulance service cover.
- Rural WA: You can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance or refund at least part of the cost of the ambulance service cover.
- Metropolitan WA: If you want to be covered for ambulance you need to buy a health insurance policy with ambulance cover.
Does AIA offer family policies that cover adult children?
Yes, adult children are covered up to age 25 if in full-time study.
Online claiming via membership portal.
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