What is the private health insurance rebate?

The private health insurance rebate is the amount the Australian Government contributes towards the cost of your private health insurance premiums.

The rebate is income tested and applies to Hospital, Extras or combined products. If you have a higher income, your rebate entitlement may be reduced or you may not be entitled to receive any rebate at all.

The rebate contribution from the Australian Government is calculated using a formula that considers a number of factors including the Consumer Price Index and the industry weighted average premium increase.

The rebate is based on the following income thresholds. These income thresholds will remain the same until June 30, 2021. The rebate percentages come into effect on April 1, 2020, and  will remain the same until March 31, 2021:

Rebate-Tiers_2020.pngYou can use the table above to work out your income tier, or if you require more information, you can visit the Australian Taxation Office Website or call 132 861.

There are two ways you can claim for the rebate if you are eligible.

Firstly, you can choose to receive the rebate as a premium reduction through your private health insurer. If you choose to do this, you will be asked to nominate the income tier you expect to fall into. You can do this by contacting the Astute Simplicity Health Customer Care Centre on 1300 090 960.

Alternatively, you can choose to receive the rebate as a tax offset when you lodge your annual tax return.

Don’t stress if you nominate the incorrect income tier.

If you nominate a tier that results in a lower rebate that your income entitles you to, you will receive a tax offset through your tax return at the end of the financial year.

If you nominate a tier that results in higher rebate that your income entitles you to, you may incur a tax debt through your tax return at the end of the financial year. But don’t worry, there are no additional penalties for nominating the wrong tier.

​Did you know that your rebate information is auto-filled as part of your income tax return?

Private health insurers are no longer required by law to send you a private health insurance statement at the end of the financial year to help you complete your tax return as this information is automatically sent to the Australian Taxation Office.

You can request Astute Simplicity Health send you your private health insurance statement by contacting our Customer Care Centre on 1300 090 960.

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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