Loading
dessy(Initiate)Registered Tax Professional
26 July 2025

Dear Sir,

I have a joint private hospital policy cover me and my wife

According to Medibank in in my pre-filling online, the policy is 3658, rebate 900 ( 24.608% base rebate)

Our family combined income is Tier 2 (8.202%), I understand it was over claim in renewing the policy, so in my tax return repayment of the difference599.97, fully understand this part.

However, the same info above appear in my spouse refilling report and adjustment of 599.97 in her tax return.

My question is : the Actual money benefit we received from Govt was 900, but the two excess repayment ( 599.97 x 2 = 1199.94), so we end up paying back more than we received.

I understand each individual under the policy are assess separately, but can you shed some light to explain why the repayment excess actual paid.

thanks

Desmond Chan

219 views
6 replies
219 views
6 replies

All replies

NikkiATO(Community Moderator)Community Moderator
31 July 2025

Hi @dessy,


Yep, you’re right that it can look like more than you received – but here’s why:


Each person is assessed separately based on their share of the policy and your combined income. Even though the rebate was applied to the joint policy, the system treats it as if each person received half – so each of you is seen as having received $450.


It’s not that you’re paying back more than you got – it’s that the rebate was split, and the repayment is also split, based on your income and share of the policy.


Have a look at our private health insurance rebate page for more info and examples.

dessy(Initiate)Registered Tax Professional
31 July 2025

Hi Nikiki

can you give me calculation breakdown (with number) , how share of rebate 450 end up payment 599.97 in the tax return

thanks


Loading
private hospital rebate | ATO Community