What the Rebate Actually Is
The Australian Government Private Health Insurance Rebate reduces the cost of your premium directly — either as a lower ongoing premium (most people choose this) or as a refundable tax offset when you lodge your tax return. The percentage you get depends on your income and your age.
2026–27 Income Thresholds
Singles:
- Base tier: $105,000 or less
- Tier 1: $105,001–$123,000
- Tier 2: $123,001–$164,000
- Tier 3: $164,001 or more (no rebate)
Family Thresholds
Base tier: $210,000 or less; Tier 1: $210,001–$246,000; Tier 2: $246,001–$328,000; Tier 3: $328,001 or more (no rebate). Family thresholds increase by $1,500 for each dependent child after the first.
Why Age Matters Here Too
The rebate percentage rises with age within each income tier — someone over 70 on a base-tier income gets back nearly a third of their premium, while the same income tier under 65 gets back about a quarter. It's reassessed based on your income each year, so a change in income can shift your rebate at renewal.
This page is for educational purposes and isn't personalised financial or medical advice. Premiums, rebates, thresholds and eligibility vary by insurer, policy and individual circumstances — always check the Standard Information Statement and Product Disclosure Statement before buying.