Private Health Insurance Rebate Calculator Australia

Your PHI Rebate

Income tierTier 0 (Base)
Rebate percentage24.29%
Annual rebate$582.91
Monthly rebate$48.58
Annual premium after rebate$1,817.09
Monthly premium after rebate$151.42

Important notes

The PHI rebate rates shown are for the 2025–26 income year. Rates are indexed annually on 1 April.

You can claim the rebate as a premium reduction through your insurer, or as a tax offset when lodging your return.

Family income thresholds are approximately double the singles thresholds. Add $1,500 per dependent child after the first.

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What is the private health insurance rebate?

The PHI rebate is a government subsidy to help cover the cost of private health insurance. It is means-tested — the rebate reduces as your income rises, and disappears entirely once you exceed the Tier 3 threshold.

How do I claim the PHI rebate?

You can claim it in two ways: (1) as a premium reduction through your insurer — they reduce your premium upfront; or (2) as a tax offset when you lodge your annual tax return.

What is the income threshold for the PHI rebate in 2025-26?

For singles, the full base rebate applies up to $101,000. It reduces at $101,001 (Tier 1), $118,001 (Tier 2), and is eliminated above $158,000 (Tier 3). Family thresholds are approximately double: $202,000 / $236,000 / $316,000. Thresholds are indexed annually on 1 July.

Does age affect my PHI rebate?

Yes. Australians aged 65–69 receive a higher rebate percentage than those under 65, and those aged 70 and over receive the highest percentage. This reflects the higher cost of health cover for older Australians.

What happens if I am on a family policy?

For family policies, the income threshold is approximately double the singles threshold (e.g., $202,000 for Tier 0 family vs $101,000 for singles in 2025-26). The rebate percentage is the same as for singles at each tier.