Australian Government Rebate (AGR)

The Australian Government Rebate (AGR) on private health insurance makes having health cover more accessible and affordable by applying a rebate to your premium.

The rebate is an incentive for individuals and families to take out private health insurance. Depending on your income and age the AGR can help you reduce your premium, so you may pay less while getting the benefits private health cover has to offer.

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The AGR rebate percentage is based on a calculation that incorporates any changes to the average health insurance premium and cost of living. The Government will adjust the rebate percentage 1 April every year.

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Tier 0 Tier 1 Tier 2 Tier 3
Income thresholds effective as of 1 July 2015
Singles Up to
and above
Up to
and above
Rebate entitlement - based on age and income as of 1 April 2017*
Less than
65 years
25.934% 17.289% 8.644% 0%
30.256% 21.612% 12.966% 0%
34.579% 25.934% 17.289% 0%
Rebate entitlement - based on age and income as of 1 April 2016*
Less than
65 years
26.791% 17.861% 8.930% 0%
31.256% 22.326% 13.395% 0%
35.722% 26.791% 17.861% 0%

*Calculated in accordance with the Private Health Insurance (Incentives) Amendment Rules 2013 (No.1).
AGR does not apply to overseas visitors cover.

How to claim the rebate

Claim now: Nominating a rebate tier helps ensure you're receiving the correct rebate for your circumstances:

Claim later: If you don't nominate your rebate tier, your correct rebate entitlement will be worked out by the ATO when you lodge your income tax return.

Not nominating could mean having to repay any amounts you've received above your entitlement at tax time.

Medibank Private Limited cannot advise on financial or tax matters. Any information provided to you is general in nature and does not take account of your individual circumstances. You should obtain your own independent financial advice.