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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.

    On this page

    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.

    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.

    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.

    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

    Our calculator will take between 5 and 10 minutes to use.

    Private health insurance rebate calculator 

    Last modified: 01 Jul 2022QC 25965