ato logo
Search Suggestion:

Private health insurance rebate calculator

Use this calculator to help you work out your private health insurance rebate percentage.

Last updated 1 April 2024

Go to the calculator

Private health insurance rebate calculator

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

What you can do with this calculator

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

You can only use this calculator for the current income year because the rebate percentage changes each year. Your rebate percentage for premiums you pay before 1 April may be different to your rebate percentage on or after 1 April.

The results of this calculator are based on the information you provide. 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.

Claiming the PHI rebate

There are 2 ways you can claim the PHI rebate if you’re eligible, see Claiming the PHI rebate.

What you will need

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.

What else you can do

To find out if you are eligible for the PHI rebate, see Private health insurance rebate eligibility. For more information, see Private health insurance rebate.

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