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GMF Health is now part of HBF Health Insurance. Browse cover options. Existing members, recent changes explained.

Australian Government Rebate

The Australian Government Rebate on private health insurance is a government initiative designed to make private health insurance more affordable and accessible for all Australians.

The Rebate is income tested, so the less you earn the greater your refund. Your rebate will depend on your annual income, the age of the oldest person covered and (for families) how many children you have.

The table below will help you calculate the rebate you will be eligible to receive.

Cover Type Base Tier Tier 1 Tier 2 Tier 3
Singles  Below $90,000 $90,001 - 105,000 $105,001 - 140,000 Above $140,001
Families Below $180,000 $180,001 - 210,000 $210,001 - 280,000 Above $280,001
Age Group Rebate Levels as of 1 April 2015
Under 65 26.791% 17.861% 8.930% 0%
65 to 69 31.256% 22.326% 13.395% 0%
70 and over 35.722% 26.791% 17.861% 0%

Note: The thresholds increase annually, based on growth in Average Weekly Ordinary Time Earnings. Single parents and couples (including de facto couples) are subject to the family tiers. For families with children, the thresholds are increased by $1,500 for each child after the first.

How can I receive the Rebate?

There are two simple ways to claim the Rebate:

  • You can elect to receive a reduction in your premiums.
  • Or as a tax rebate in your annual tax return.