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Home » Understanding Health Insurance » About private health insurance » Private Health Insurance Rebate

Private Health Insurance Rebate

What is the Private Health Insurance Rebate?

The Private Health Insurance Rebate reduces your contribution amount, making health insurance more affordable and accessible for you. The rebate is income tested against the income tier thresholds in the table below. Your rebate percentage entitlement will be reduced as your income tier rises.

What Rebate am I entitled to?

If you are eligible* for full Medicare entitlements you are entitled to the Private Health Insurance  Rebate (pending taxable income).

Private Health Insurance Rebate
Income for Medicare levy surcharge purposes Age less than 65 Age 65-69 Age 70+
No tier

Singles Less than $88,000

Couples/Families
Less than $176,000

30% 35% 40%
Tier 1

Singles $88,001 – 102,000

Couples/Families
$176,001 – 204,000

20% 25% 30%
Tier 2

Singles $102,001 – 136,000

Couples/Families
$204,001 – 272,000

10% 15% 20%
Tier 3

Singles More than $136,001

Couples/Families
More than $272,001

0% 0% 0%

*If you receive full Medicare entitlements you are entitled to the Private Health Insurance Rebate if you fall within tiers 2 and below. Temporary residents, visitors to Australia, residents of Australia and Norfolk Island, who are not eligible for full Medicare entitlements, will not be eligible for the Private Health Insurance Rebate.

How can I claim the Private Health Insurance Rebate to reduce my health insurance contribution?

You can claim the Rebate in three different ways :

  • As a reduction on your contribution amount – to have the reduction automatically applied to your contribution amount, simply complete the Application to receive the Australian Government Rebate or dedicated section when you are joining.
  • Through your annual tax return – at the end of each financial year, we will send you a Private Health Insurance Tax Statement. This statement will show you the amount you are eligible to claim on your tax return.

The way in which you claim the rebate can be changed at any time during your private health insurance lifecycle.

Nominating a tier

You may choose to nominate a tier to reduce the amount of rebate you receive.

There is no limit to the number of times you can change the tier nomination and no penalties are applied for not making a nomination or making an incorrect nomination. Adjustments will be made through the tax system.

You can nominate a tier when joining Teachers Health Fund, through online member services, via email at info@teachershealth.com.au or over the phone on 1300 728 188.

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Your Rebate

All Australian residents, who are entitled to Medicare, are able to claim an income tested rebate on their private health insurance; would you like to apply your rebate?

For individuals earning between $88,001 - $102,000 (or $176,001 - $204,000 for families*).
*For families with children, the thresholds are increased by $1,500 for each child after the first.

How rebate tiers workX

Most Australians with private health insurance currently receive a rebate from the Australian Government to help cover the cost of their premiums. The private health insurance rebate is income tested. The table below details the different rebate amounts and Medicare Levy Surcharge levels.

The rebate applies to hospital, general treatment and ambulance policies. It does not apply to overseas visitors cover. The rebate levels applicable for 1 July 2013 to 30 June 2014 are:

Singles
Families
≤$88,000
≤$176,000
≤$88,001-102,000
≤$176,001-204,000
≤$102,001-136,000
≤$204,001-272,000
≤$136,001
≤$272,001
Rebate
< Age 6530%20%10%0%
Age 65-6935%25%15%0%
Age 70+40%30%20%0%

Single parents and couples (including de facto couples) are subject to family tiers. For families with children, the thresholds are increased by $1,500 for each child after the first. http://www.privatehealth.gov.au/healthinsurance/incentivessurcharges/insurancerebate.htm