01 March 2024
Private Health Insurance Rebate 2024/25
Private Health Insurance Rebate 2024/25
The private health cover rebate changed on 1 July 2024:
- The rebate is income tested on a single or family income basis.
- The level of income determines the rebate applicable.
- For families with multiple children, the threshold increases by $1,500 for every child after the first child.
- Single parents and couples (including those separated from their spouse and those whose spouse has passed away) are assessed on family tiers.
- To calculate your rebate, you can use the ATO calculator. Please click here
- If you want to avoid a potential tax liability, you should contact your private health insurer to advise your current or expected income level to adjust your related tier.
The below rebate tiers apply from 1 April 2025 to the 30 June 2025:
| Income | ||||
|
| Base Tier | Tier 1 | Tier 2 | Tier 3 |
| Single | $97,000 or less | $97,001 – $113,000 | $113,001 – $151,000 | $151,001 or more |
| Family | $194,000 or less | $194,001 – $226,000 | $226,001 – $302,000 | $302,001 or more |
| Rebate | ||||
| Aged under 65 | 24.288% | 16.192% | 8.095% | 0% |
| Aged 65 – 69 | 28.337% | 20.240% | 12.143% | 0% |
| Aged 70 or over | 32.385% | 24.288% | 16.192% | 0% |







