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myOwn Health Insurance

myOwn health insurance

Who are myOwn Health Insurance? 

myOwn Health Insurance is a new type of health insurance fund. They have been established since 2017, having been the result of a brilliant partnership between three leading insurance companies with a global reach, GMHBA, Discovery and AIA. 

myOwn belief in rewarding members for leading healthier lives, that’s why every policy comes with a free membership to AIA Vitality. 

GMHBA

myOwn is backed by GMHBA, one of Australia’s oldest health funds. GMHBA are a not-for-profit health fund with a national memebrship base of over 300,000 Australians. 

Discovery

Discovery Limited is the founder of Vitality. They are a multinational company listed on the South African stock exchange, they have been offering financial services across the globe for over 25 years. 

AIA Australia

AIA are the largest company listed on the Hong Kong stock exchange, and are the second largest life insurer in the world. What makes AIA the perfect partner though, is allowing all myOwn members access to AIA Vitality, a rewards program like no other.  

Why Choose myOwn? 

There are so many great reasons why myOwn is a fantastic choice for your health insurance. For starters, lets look at their hospital coverage. myOwn have agreements with nearly 90% of all private hospitals Australia wide. With over 565 agreements across Australia, you shouldn’t struggle to find a private hospital or day facility which participates with myOwn. 

myOwn are perfect for people who love claiming on extras. Similar to nib, myOwn have a range of percentage based extras plans, meaning wherever you go, you can rest assured knowing what you’ll be claiming back ahead of time. myOwn have a variety of extras packages ranging for 50% back all the way to 70% back. 

When you join myOwn, you’ll also be gaining access to AIA Vitality. Many rewards programmes say they offer great value, but make it almost impossible to rise through the tiers. AIA Vitality doesn’t require you to spend $10,000 to get to platinum level, all you need to do is download the AIA Vitality app on your smart phone and earn points by completing a series of activities throughout the year to help you lead a healthier life. 

You can recieive fanatstic rewards such as: 

Up to $650 every year in shopping vouchers including Myer, Ticketmaster and Woolworths.

✅Up to 25% off fitness devices.

✅Up to 50% off gym memberships.

✅Up to 50% cashback on eligible flights with Virgin Australia.

✅Up to 5% off your health insurance.

✅Claim 100% back off your $500 excess. 

 

myown health insurance infographic

myOwn Hospital Cover

There is a wide range of hospital cover options for you to choose from with myOwn. Each hospital package is designed with a different life stage in mind. From just starting out on your first cover, right the way through to needing top cover minus birth services, myOwn will have you covered.

If your policy includes an Excess Refund, it means that if you hold this policy or another eligible policy for at least 6 months and hold Silver AIA Vitality status or higher, myOwn will refund 100% of your hospital excess. You will need to pay your excess when you’re admitted to hospital and then you can claim this amount back. 

To be eligible for this you must hold Silver AIA Vitality status at the time you are admitted to hospital. To get your refund, you make a claim email or mail, call myOwn on 1300 300 338 to find out more. 

When you submit your claim you will need to include your receipt showing the Excess paid. You can make your claim anytime up to two years, and valid claims will be paid into your nominated bank account. Only one refund will be paid per member per calendar year because each member only pays one excess per calendar year.

Excess: $500

Excess Refund?: Yes – 100% refund on your $500 hospital excess. Terms apply.

What’s Covered? 

✔ Accidents

✔ Emergency Ambulance

What’s Partially Covered? 

⚠️ Psychiatric

⚠️ Palliative care

⚠️ Rehabilitation

What’s Excluded? 

✖ Pregnancy and birth related

✖ IVF and assisted reproductive

✖ Joint replacements

✖ Cataract and eye lens

✖ Gastric banding and obesity

✖ Renal dialysis

✖ Insulin pumps

✖ Neurostimulation surgery 

✖ Spinal surgery

✖ Cardiac and cardiac-related

✖ Cochlear implants

✖ Podiatric surgery

✖ Brain surgery

✖ Dental implant surgery

✖ Cancer treatment

✖ Gynaecological procedures

✖ Wisdom teeth removal

✖ Appendix removal

✖ Tonsils and adenoids

✖ Joint investigations / reconstructions

✖ Colonoscopies

✖ Gastroscopies

✖ Ear grommets

✖ Hernia repair

✖ All other services not listed as an inclusion

Enquire Now

Excess: $500

Excess Refund?: Yes – 100% refund on your $500 hospital excess. Terms apply.

What’s Covered? 

✔ Accidents

✔ Emergency Ambulance

✔ Brain surgery

✔ Dental implant surgery

✔ Cancer treatment

✔ Gynaecological procedures

✔ Wisdom teeth removal

✔ Appendix removal

✔ Tonsils and adenoids

✔ Joint investigations / reconstructions

✔ Colonoscopies

✔ Gastroscopies

✔ Ear grommets

✔ Hernia repair

What’s Partially Covered? 

⚠️ Psychiatric

⚠️ Palliative care

⚠️ Rehabilitation

What’s Excluded? 

✖ Pregnancy and birth related

✖ IVF and assisted reproductive

✖ Joint replacements

✖ Cataract and eye lens

✖ Gastric banding and obesity

✖ Renal dialysis

✖ Insulin pumps

✖ Neurostimulation surgery

✖ Spinal surgery

✖ Cardiac and cardiac-related

✖ Cochlear implants

✖ Podiatric surgery

Enquire Now

Excess: $500

Excess Refund?: Yes – 100% refund on your $500 hospital excess. Terms apply.

What’s Covered? 

✔ Accidents

✔ Emergency Ambulance

✔ Rehabilitation

✔ Cardiac and cardiac-related

✔ Cochlear implants

✔ Podiatric surgery

✔ Brain surgery

✔ Dental implant surgery

✔ Cancer treatment

✔ Gynaecological procedures

✔ Wisdom teeth removal

✔ Appendix removal

✔ Tonsils and adenoids

✔ Joint investigations / reconstructions

✔ Colonoscopies

✔ Gastroscopies

✔ Ear grommets

✔ Hernia repair

What’s Partially Covered? 

⚠️ Psychiatric

⚠️ Palliative care

What’s Excluded? 

✖ Pregnancy and birth related

✖ IVF and assisted reproductive

✖ Joint replacements

✖ Cataract and eye lens

✖ Gastric banding and obesity

✖ Renal dialysis

✖ Insulin pumps

✖ Neurostimulation surgery

✖ Spinal surgery

Enquire Now

Excess: $500

Excess Refund?: Yes – 100% refund on your $500 hospital excess. Terms apply.

What’s Covered? 

✔ Accidents

✔ Emergency Ambulance

✔ Rehabilitation

✔ Cardiac and cardiac-related

✔ Cochlear implants

✔ Podiatric surgery

✔ Brain surgery

✔ Dental implant surgery

✔ Cancer treatment

✔ Gynaecological procedures

✔ Wisdom teeth removal

✔ Appendix removal

✔ Tonsils and adenoids

✔ Joint investigations / reconstructions

✔ Colonoscopies

✔ Gastroscopies

✔ Ear grommets

✔ Hernia repair

✔ Joint replacements

✔ Cataract and eye lens

✔ Gastric banding and obesity

✔ Renal dialysis

✔ Insulin pumps

✔ Neurostimulation surgery

✔ Palliative care

✔ Spinal surgery

What’s Partially Covered? 

⚠️ Psychiatric

What’s Excluded? 

✖ Pregnancy and birth related

✖ IVF and assisted reproductive

Enquire Now

Excess: $500

Excess Refund?: Yes – 100% refund on your $500 hospital excess. Terms apply.

What’s Covered? 

✔ Accidents

✔ Emergency Ambulance

✔ Rehabilitation

✔ Cardiac and cardiac-related

✔ Cochlear implants

✔ Podiatric surgery

✔ Brain surgery

✔ Dental implant surgery

✔ Cancer treatment

✔ Gynaecological procedures

✔ Wisdom teeth removal

✔ Appendix removal

✔ Tonsils and adenoids

✔ Joint investigations / reconstructions

✔ Colonoscopies

✔ Gastroscopies

✔ Ear grommets

✔ Hernia repair

✔ Joint replacements

✔ Cataract and eye lens

✔ Gastric banding and obesity

✔ Renal dialysis

✔ Insulin pumps

✔ Neurostimulation surgery

✔ Palliative care

✔ Spinal surgery

✔ Pregnancy and birth related

✔ IVF and assisted reproductive

What’s Partially Covered? 

⚠️ Psychiatric

Enquire Now

myOwn Extras Cover

There is a wide range of extras covers for you to chose from. Listed below is a selection of extras packages offered by myOwn. All of myOwn’s extras offer percentage based rebates, so you’ll always know what you’ll be claiming. 

Receive 60% back on extras! 

(up to your annual limit)

Claim 60% back for all included treatments except Optical which is 100%

✔ Preventative Dental

✔ General Dental

✔ Major Dental

✔ Optical

✔ Physiotherapy

✔ Hydrotherapy 

✔ Myotherapy

✔ Chiropractic

✔ Osteopathy

Enquire Now

Receive 65% back on extras! 

(up to your annual limit)

Claim 65% back for all included treatments except Optical which is 100%

✔ Preventative Dental

✔ General Dental

✔ Major Dental

✔ Optical

✔ Physiotherapy

✔ Hydrotherapy 

✔ Myotherapy

✔ Chiropractic

✔ Osteopathy

✔ Acupuncture

✔ Remedial Massage

Enquire Now

Receive 70% back on extras! 

(up to your annual limit)

Claim 70% back for all included treatments except Optical which is 100%

✔ Preventative Dental

✔ General Dental

✔ Major Dental

✔ Optical

✔ Physiotherapy

✔ Hydrotherapy 

✔ Myotherapy

✔ Chiropractic

✔ Osteopathy

✔ Acupuncture

✔ Remedial Massage

Enquire Now

Receive 60% back on extras! 

(up to your annual limit)

Claim 60% back for all included treatments except Optical and Preventative Health Benefits which is 100%.

✔ Preventative Dental

✔ General Dental

✔ Major Dental

✔ Orthodontics 

✔ Optical

✔ Physiotherapy

✔ Hydrotherapy 

✔ Myotherapy

✔ Exercise Physiology

✔ Chiropractic

✔ Osteopathy

✔ Acupuncture

✔ Remedial Massage

✔ Non PBS Pharmacy

✔ Psychlogy

✔ Eye Therapy

✔ Speech Therapy

✔ Swimming Lessons

✔ Medical Appliances

✔ Podiatry

✔ Plus More!

Enquire Now

Receive 70% back on extras! 

(up to your annual limit)

Claim 70% back for all included treatments except Optical and Preventative Health Benefits  which is 100%.

✔ Preventative Dental

✔ General Dental

✔ Major Dental

✔ Orthodontics 

✔ Optical

✔ Physiotherapy

✔ Hydrotherapy 

✔ Myotherapy

✔ Exercise Physiology

✔ Chiropractic

✔ Osteopathy

✔ Acupuncture

✔ Remedial Massage

✔ Non PBS Pharmacy

✔ Psychlogy

✔ Eye Therapy

✔ Speech Therapy

✔ Swimming Lessons

✔ Medical Appliances

✔ Podiatry

✔ Plus More!

Enquire Now

myOwn Health Insurance Comparison

Health Deal has partnered with myOwn since 2018 and we’re proud to have such an forward thinking health fund on our panel. If you want to compare your existing myOwn health insurance plan against  a range of funds, or you’re wanting to enquire about one of the myOwn health insurance plans discussed on this page, then let us give you a call and we’ll discuss your options.

Health Deal represents a range of health funds, and it’s our job to find you a better deal, either with or without myOwn.

claiming.