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Private Health Insurance Act 2007

No. 31, 2007

Compilation No. 38

Compilation date: 15 February 2025

                Includes amendments: Act No. 8, 2025

About this compilation

This compilation

This is a compilation of the Private Health Insurance Act 2007 that shows the text of the law as amended and in force on 15 February 2025 (the compilation date).

The notes at the end of this compilation (the endnotes) include information about amending laws and the amendment history of provisions of the compiled law.

Uncommenced amendments

The effect of uncommenced amendments is not shown in the text of the compiled law. Any uncommenced amendments affecting the law are accessible on the Register (www.legislation.gov.au). The details of amendments made up to, but not commenced at, the compilation date are underlined in the endnotes. For more information on any uncommenced amendments, see the Register for the compiled law.

Application, saving and transitional provisions for provisions and amendments

If the operation of a provision or amendment of the compiled law is affected by an application, saving or transitional provision that is not included in this compilation, details are included in the endnotes.

Editorial changes

For more information about any editorial changes made in this compilation, see the endnotes.

Modifications

If the compiled law is modified by another law, the compiled law operates as modified but the modification does not amend the text of the law. Accordingly, this compilation does not show the text of the compiled law as modified. For more information on any modifications, see the Register for the compiled law.

Self‑repealing provisions

If a provision of the compiled law has been repealed in accordance with a provision of the law, details are included in the endnotes.

Contents
Chapter 1—Introduction
Part 1‑1—Introduction
Division 1—Preliminary
1‑1 Short title
1‑5 Commencement
1‑10 Identifying defined terms
1‑15 Extension to Norfolk Island
Division 3—Overview of this Act
3‑1 What this Act is about
3‑5 Incentives (Chapter 2)
3‑10 Complying health insurance products (Chapter 3)
3‑15 Health insurance business, health benefits funds and miscellaneous obligations of private health insurers (Chapter 4)
3‑20 Enforcement (Chapter 5)
3‑25 Administration (Chapter 6)
3‑30 Dictionary (Schedule 1)
Division 5—Constitutional matters
5‑1 Meaning of insurance
5‑5 Act not to apply to State insurance within that State
5‑10 Compensation for acquisition of property
Chapter 2—Incentives
Part 2‑1—Introduction
Division 15—Introduction
15‑1 What this Chapter is about
Part 2‑2—Premiums reduction scheme
Division 20—Introduction
20‑1 What this Part is about
20‑5 Private Health Insurance (Incentives) Rules
Division 22—PHIIB, PHII benefit and related concepts
Subdivision 22‑A—PHIIB, PHII benefit and related concepts
22‑1 Application of Subdivision
22‑5 Meaning of PHIIB
22‑10 Meaning of PHII benefit
22‑15 Meaning of share of the PHII benefit—single PHIIB
22‑20 Meaning of share of the