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  • Private health insurance rebate calculator

    You can use the private health insurance rebate calculator to find out your:

    • private health rebate percentage – updated annually on 1 April
    • income for surcharge purposes.

    This calculator can only be used for the current income year because the rebate percentage changes each year. This means your rebate percentage for premiums paid before 1 April may be different to your rebate percentage on or after 1 April.

    It is optional for registered health insurers to provide you with a private health insurance statement. A statement will only be provided if you request one from your registered health insurer.

    If your private hospital health insurance premiums were paid in a previous financial year (that is, prepaid), you can't claim a rebate in the current financial year. If you prepaid your insurance for 12 or more months, you should contact your private health insurer to discuss your income and rebate entitlement.

    The Government does not give this rebate on the lifetime health cover loading component of a policy.

    For prior year thresholds and rebates, see Income thresholds and rates for the private health insurance rebate.

    On this page:

    Private health insurance dependant's age

    From 1 April 2021, changes apply to the definition of a dependant. These changes:

    • increase the maximum age of dependants for private health insurance family policies from 24 to 31 years, and
    • remove the age limit for dependants with a disability.

    You should only include the number of dependants who are under 25 years old when answering this question in the calculator. This is to ensure the calculator determines your correct private health insurance rebate entitlement.

    These changes do not affect how we increase the income test threshold for private health insurance rebate and Medicare levy surcharge purposes.

    Before you use the calculator

    The calculator results are based on the information you provide at the time of calculation.

    If your circumstances change during the current income year, your private health insurance rebate percentage may also change. You should contact your private health insurer to advise them if your rebate percentage changes due to your change in circumstances.

    Private health insurance rebate

    The private health insurance rebate is an amount the government contributes towards the cost of your private hospital health insurance premiums.

    The rebate is income tested, which means a higher income may reduce your rebate or you may not be entitled to any rebate at all.

    If you meet the eligibility requirements for the rebate, you can claim the rebate either:

    • through your private health insurer – your private health insurer will apply the rebate to your hospital health insurance premiums
    • as a refundable tax offset when you lodge your tax return.

    See also:

    Information you need for this calculator

    Information you will need for this calculator includes:

    • your income
    • if you have a spouse
    • your spouse's income
    • number of dependent children you have
    • the age of the people covered by the private health insurance policy.

    Access the calculator

    Last modified: 01 Jul 2021QC 25965