We’ve put together this quick guide on what you need to know about your private health insurance tax statement. 

We’ll send your tax statement(s) directly to the Australian Taxation Office 

We help you pre-fill your tax return with the correct information by sending your tax statement(s) directly to the Australian Taxation Office (ATO) after 14 July. 

You'll find all your information pre-filled in the myTax portal. 

Why does my private health insurance information get sent to the ATO? 

We send your tax information directly to the ATO because it’s a legal requirement for organisations like health funds, banks and employers.  

It’s also another way to make tax time simpler. If you’re doing your taxes online or with a registered tax agent, your private health insurance details will automatically pre-fill. 

Where and when can I access my tax statement(s)? 

Your tax statement(s) will be available to download from online member services after 14 July. 

What's in my tax statement? 

Your Private Health Insurance Tax Statement includes key information, including: 

• all the premiums you paid in the 2024–2025 financial year 
• any Australian Government Rebate you received for your private health insurance 
• the number of days you held applicable private hospital cover. If it’s less than a year, you may be charged a Medicare Levy Surcharge (MLS). 

Reading your tax statement 

Reading a tax statement can be tricky. Here’s a quick summary of what the key fields on your statement mean. 

Field	Description
Health Insurer ID	A three-letter code used to identify each private health fund.
Membership number	Your RT Health membership number.
Your premiums eligible for the Australian Government Rebate	Your share of the premiums eligible for the Australian Government Rebate (Rebate). It’s the amount paid for your policy divided by the number of adults on the policy.
Your Australian Government Rebate received	How much Rebate you received.
Benefit code	The Rebate code that corresponds to your age bracket.
Number of days this policy provides an appropriate level of private patient hospital cover	How many days of the year your policy provides an appropriate level of private patient hospital cover. If your statement says 365 (or 366 in a leap year) then you don’t need to pay the MLS.

For more information, see our guide to Reading and using your PHI tax statement. 

Can I get my tax information over the phone?  

No, we can’t share this private information over the phone. You’ll be able to download your tax statement from online member services after 14 July.  

Does my adult dependant child get a tax statement?  

Dependant children aged 18 to 31 can be covered on their parents’ policy, but the tax statement will only list the main policyholder and spouse/partner.  

We recommend dependant children advise their tax agent or accountant that they’re covered and consult them for expert advice. 

Changes to income thresholds and rates for the Rebate 

The government’s income thresholds used to calculate the MLS and Rebate will increase from 1 July 2025. 

Australian Government Rebate on Private Health Insurance 

Income threshold tiers (effective 1 July 2025 to 30 June 2026)

	Base tier	Tier 1	Tier 2	Tier 3
Single income	$101,000 or less	$101,001 to $118,000	$118,001 to $158,000	$158,001 or more
Family income	$202,000 or less	$202,001 to $236,000	$236,001 to $316,000	$316,001 or more
MLS	0.0%	1.0%	1.25%	1.5%

Rebate for each income tier (singles and families, effective 1 April 2025 to 31 March 2026)

Rebate if the oldest person covered by the policy is:	Base tier	Tier 1	Tier 2	Tier 3
64 years old and under	24.288%	16.192%	8.095%	0.000%
65 to 69 years old	28.337%	20.240%	12.143%	0.000%
70 years old and over	32.385%	24.288%	16.192%	0.000%

Note: The family income threshold is increased by $1,500 for each dependant child after the first child (dependant child is defined for MLS and also applicable for the Rebate). 

More information on the Rebate and tax 

To find out more about the Rebate income thresholds and percentage rates, visit the ATO website. To calculate your rebate, use the private health insurance rebate calculator. 

If you have any tax-related questions or need help completing your tax return, you can call the ATO’s Personal Infoline on 13 28 61, visit the ATO website or speak to your registered tax agent or accountant. 

Need to update your details? 

Just log in to online member services, or call us on 1300 886 123 (Monday to Friday, 8:30am to 5:00pm AEST/AEDT) and one of our friendly team members will help you.