myOwn Health Insurance

AIA myOwn: Health Insurance That Gives Back

A different type of health insurance that helps you get healthier and provide you with more value by combining hospital and extras cover with the AIA Vitality membership.

myOwn health insurance Australia offers you up to 70% back on Extras from recognised providers, up to your annual limits.

The Health and Life discount

If you have a Priority Protection policy with AIA Australia and decide to take out a myOwn health insurance policy, you will receive an additional 5% Health and Life Discount on your Priority Protection premiums. This discount does not change depending on your AIA Vitality status.

MyOwn Health Insurance Quotes

Earn AIA Vitality Discounts Earn AIA Vitality Discounts
Affordable Hospital Cover Options Affordable Hospital Cover Options
No Hidden Fees Extras Cover with 50% - 70% returns*

myOwn health insurance helps consumers become healthier while providing value for money by offering an array of different health insurance cover options which all include the AIA Vitality benefits. You can choose to purchase Hospital cover only, but if you choose an Extras package, you’ll get 50% to 70% back from any recognised providers up to your annual limits.

About myOwn Health insurance

myOwn health insurance resulted from an alliance between GMHBA, the not for profit health insurer, AIA Australia and Discovery, a South African financial services provider.

By leveraging its global backing from the AIA Group, the second largest life insurer in the world, and GMHBA’s proven track record as Australia’s leading regional health insurer, myOwn is set to change the Australian health insurance sector forever.

myOwn is also the first health insurer to combine health and life insurance. This offering is set to launch in the not too distant future.

How does myOwn health insurance with AIA vitality work?

myOwn health insurance comes with AIA vitality whether you choose a Hospital Only or an Extras Package. Having access to this health and wellbeing program means you’ll be eligible to receive discounts and rewards when you know your health or start to improve your health with exercise or healthy eating.

AIA Vitality will reward you for looking after your health. Basically, the healthier your lifestyle, the more benefits and rewards you’ll receive. Rewards, like vouchers, discounts and more importantly discounts on your myOwn premiums.

So, the more active you are and the healthier you live, the more AIA Vitality points you’ll earn. The more points you earn, the better you can support your healthy lifestyle. As a new member, you start on Bronze Status and can work your by up by completing activities.

number-1Know your health

This step will help you understand more about your health. Complete your Vitality Health Review and receive your first 1,000 points. Other assessments you can complete for more points include a non-smokers declaration, mental wellbeing assessment and skin self-exam.

number-2Improve your health

By regularly exercising and updating your food diary you’ll rack up even more points. For example, earn up to 1,500 points when taking part in an approved fitness event.

number-3Get rewards

You can get more rewards and discounts when you increase your AIA Vitality points. The healthier you get, the more points you’ll earn, which helps you improve your Vitality Status from Bronze to Platinum. With every 10,000 points earned, you’ll step up to the next rewards level.

  • Bronze: Starting level. 10% back on Qantas flights & 20% off Endota Spa.
  • Silver: 10,000 points. 5% off your health insurance premiums & 30% back on Qantas flights and 30% off Endota Spa.
  • Gold: 20,000 points. 40% back on Qantas flights & 40% off Endota Spa, with a 5% savings on your premiums.
  • Platinum: 30,000 points. 5% off your premiums & 50% back on Qantas flights and 50% off Endota Spa treatments.

Should I get myOwn health insurance?

You should get myOwn health insurance if it provides you with the cover you need at a price you can afford. myOwn is an especially good option if you’re serious about your health and want access to the AIA Vitality wellbeing program.

Benefits of myOwn health insurance

      • A health insurer that gives back by providing access to AIA Vitality membership for up to 2 adults per policy.
      • Save money with an upfront 5% discount on your myOwn health insurance premiums throughout the lifetime of your policy – available when you first join and held as long as you maintain Silver Status.
      • Easily choose between a wide range of hospital and extras cover.
      • Receive 50% to 70% back on your Extras cover up to your annual limit, from all recognised providers.
      • Gain access to the AIA Vitality app and easily complete health assessments and redeem rewards.

There is also a starting discount of 12.5% on AIA Australia life insurance if purchased through a broker.

myOwn products at a glance

Every product includes AIA Vitality, whether you purchase an Accident Only policy or a Top Package.

Take note, all products from myOwn include a $500 excess.

myOwn Hospital Cover

Hospital cover provides you with the option of being treated in a private hospital and avoid being placed on a waiting list at a public hospital.

  • Accident Only: For those only wanting minimal Private hospital cover for accidents only and ambulance cover for emergencies only.
  • Basic Hospital: Ideal for the budget conscious and includes, joint investigations and reconstructions, hernia repair, colonoscopies and gastroscopies.
  • Mid Hospital: For those requiring a bit more cover. Covers rehabilitation, cochlear implants and ear grommets, gynaecological procedures and cardiac and cardiac related services.
  • Comprehensive Hospital: When you need complete cover, but don’t require pregnancy and IVF services. Cataract and eye lens surgery, renal dialysis, insulin pump, gastric banding and obesity.
  • Top Hospital: For those starting or growing their family. Includes everything offered in the Comprehensive Hospital plan, while also including pregnancy and IVF.

Hospital and Extras Packages

myOwn packages combine Hospital cover with Extras. Extras cover takes care of the costs for treatments and services not covered by Medicare. For example, visits to the dentist, optical services and physiotherapy.

  • Accident Only: Private hospital cover for accidents only with 50% back on Extras up to your annual limits. General and preventative dental, Optical and physiotherapy.
  • Basic Package: Private hospital cover with some exclusions and 55% Extras up to your annual limits. Major dental, PBS pharmacy, psychology and medically prescribed appliances including hearing aids.
  • Mid Package: 60% back on Extras up to your annual limits and private hospital cover with some exclusions. Extras cover includes everything in the basic package plus Orthodontics, homoeopathy and acupuncture, audiology and eye, speech and occupational therapy.
  • Comprehensive Package: For complete peace of mind private hospital cover with 50% back on Extras up to your annual limits. Includes everything listed in the Mid-level package and podiatry.
  • Top Package: The same as the Comprehensive Package but includes pregnancy and birth related services, IVF and assisted reproductive services and palliative care.

How to get myOwn health insurance?

To get a myOwn health insurance quote, you can call us on 1300 135 205 or fill in the quote form at the top of this page, and a specialist will contact you.

Author: Russell Cain
Published: August 13, 2018

Ask an Expert?


  • Carol Berthon |

    I was advised that I would receive 70% back on my visits to the Chiropractor and any other services that I undertook, but reading through the information on an email I looked into I’ll only receive 50%.

      Anneke |

      Hi Carol. Thanks for reaching out.

      It would be best to contact myOwn directly on 1300 300 338 and request clarification from one of their consultants. What I can tell you is that it seems to depend on the type of Extras package you’ve chosen; Top, mid or minimum. For example, their Top packages do offer a 70% back on Extras like chiropractic services, while Minimum Extras only provides 50% back.

  • Lee |

    what are your partnering hospitals?
    who are your partnering dentists, physio’s etc

      Anneke |

      Hello Lee,

      Please contact myOwn directly as they have a list of hundreds of practising providers.

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