Private Health Insurance Rebate
* Based on an Australian Government Rebate of %, % LHC loading, $ excess for a in . Please note the amount quoted may vary after 1 April due to base price changes and rounding adjustment.
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The less we have to pay on our health insurance premiums, the better for everyone. And the Private Health Insurance Rebate helps make that happen.
The rebate is the amount the Australian Government contributes to the cost of private health insurance premiums. You can choose to receive the rebate upfront, as a reduction of your premium or at tax time.
It’s income tested – so as your income increases, your rebate percentage decreases (as you’ll see here).
Current income thresholds and rebates
| Tier | Income for Medicare levy surcharge purposes | Age < 65 | Age 65-69 | Age 70+ |
|---|---|---|---|---|
| Base tier | Singles: up to $97,000 Couples/Families: up to $194,000 |
24.608% | 28.710% | 32.812% |
| Tier 1 | Singles: $97,001 to $113,000 Couples/Families: $194,001 to $226,000 |
16.405% | 20.507% | 24.608% |
| Tier 2 | Singles: $113,001 to $151,000 Couples/Families: $226,001 to $302,000 |
8.202% | 12.303% | 16.405% |
| Tier 3 | Singles: more than $151,000 Couples/Families: more than $302,000 |
0% | 0% | 0% |
Income thresholds and rebates from 1 April 2025
| Tier | Income for Medicare levy surcharge purposes | Age < 65 | Age 65-69 | Age 70+ |
|---|---|---|---|---|
| Base tier | Singles: up to $97,000 Couples/Families: up to $194,000 |
24.288% | 28.337% | 32.385% |
| Tier 1 | Singles: $97,001 to $113,000 Couples/Families: $194,001 to $226,000 |
16.192% | 20.507% | 24.288% |
| Tier 2 | Singles: $113,001 to $151,000 Couples/Families: $226,001 to $302,000 |
8.095% | 12.143% | 16.192% |
| Tier 3 | Singles: more than $151,000 Couples/Families: more than $302,000 |
0% | 0% | 0% |
Note: For single parents and couples with children for MLS purposes, the family income threshold increases by $1,500 for each child after the first. Income, child and dependant have special definitions for MLS purposes. For more information, see the ATO website.
How to claim the rebate
You can either have the rebate added as an automatic reduction on your premium amount – or you can take care of it through your annual tax return. Your private health insurance statement will tell you how much of your premium is eligible for the rebate and how much rebate you’ve already received.
Changing your rebate tier
If you'd like to update the rebate you're currently claiming with Nurses & Midwives Health, you can do so by completing this form.