My understanding (please correct me if I'm wrong) is that you can either claim the total cost of your private health insurance as a tax rebate, or get the 30% directly taken off your fees by the fund. As a non-mathematically minded person, can someone help me work out at what marginal tax rate this is going to benefit me? I'm currently getting the 30% taken off by the PHI company, but there must be an income level/marginal tax rate where it is more beneficial to pay the entire cost up front and then claim it as a rebate? Is this when your total tax owed is more than the 30% that they refund? I'm getting confused. Thanks for your help in advance.