Which statement describes PHI rebates for older adults?

• A. Older adults receive no PHI rebate.
• B. Those aged 65 and older who often have lower incomes receive a greater PHI rebate from the government.
• C. PHI rebate is fixed for all age groups.
• D. The rebate is determined by health status, not income.

Answer: (B)

Private health insurance rebate in Australia varies with both age and income, not as a fixed amount. The government provides a higher rebate for older people, and this rebate is also means-tested, so those with lower incomes receive a larger percentage back. For those aged 65 and older who often have lower incomes, this combination leads to a greater rebate overall. It isn’t based on health status, and it isn’t the same for everyone or across all ages.