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You can now get AAMI Health Insurance to cover couples at all life stages – young couples, those starting a family, and older couples. From love letters to living together, you and your partner have a unique story to tell about looking out for the one you love. Health insurance for couples is just one of the ways you can make sure each of you is covered should something go awry.
Here’s how AAMI Health Insurance can cover you as a couple.
Young couples
Secure a future with the one you love and keep the cost down by only paying for the things you both need. AAMI Health Insurance Starter Hospital cover is a great health insurance option for couples that includes an accidental injury benefit*, unlimited emergency ambulance^, as well as:
Appendix removal
Joint reconstructions (like knee and shoulder)
Hernia repair
Removing tonsils and adenoids.
AAMI Health Insurance policies for young couples such as AAMI Starter Hospital are lower cost than some others (like Premium Hospital cover) because we don’t include those higher risk and higher cost services you may not be looking at now, such as heart procedures or pregnancy-related services.
Couples planning a family
As your relationship grows, you may start planning a family.
Thinking about adding a new member to your family? Easily compare your options with AAMI Health Insurance and consider the things you’ll be facing throughout the pregnancy and beyond. AAMI Health Insurance’s most comprehensive cover, Premium Hospital, includes pregnancy and all Medicare recognised in-hospital services, such as:
Pregnancy and birth
fallopian tube, uterus, and ovary infertility investigation
retrieval of eggs and implantation of fertilised eggs.
If you are taking out health insurance for the first time or upgrading your level of cover, a waiting period of 12 months commonly applies before you can claim any benefits for pregnancy and obstetrics services. If you arrange private health cover early, you’ll be able to serve your waiting period as soon as you begin planning a family. In most cases, this means by the time you need to use pregnancy and obstetrics services, you’ll be covered.
For many women, adding Extras cover to their health insurance can offer valuable benefits and support at a very important time. Add Premium Active Extras cover to your Hospital cover to extend the range of Antenatal and Postnatal Services and treatments you’re covered for. Not only will you get higher annual limits, but you’ll also be able to claim 70% back (compared to 60% on our other Extras covers).
Older couples
If you have kids, they can stay on your health insurance cover until the age of 25 (if they’re unmarried and in full-time study). Once they’ve left the nest, or if you don’t have children, you and your partner should check in on what your health insurance provides. Does it meet our needs? Are we paying for services we’re unlikely to use?
These are just some of the ways AAMI Health Insurance for couples lets you tick the boxes at each stage of your relationship. If you’d like to compare AAMI Health Insurance’s Hospital and Extras covers, you can use our Health Insurance comparison guide to compare which couples insurance meets your lifestyle and budget.
It’s always best to read your policy booklet to see exactly what it covers. If you have any questions, call one of our friendly AAMI staff members for a chat on 13 22 44 (MON to FRI - 8.00am - 8.00pm AEST/AEDT SAT - 9.00am - 1.00pm AEST/AEDT ).
^ Residents of Queensland and Tasmania who have Ambulance services provided by their State Ambulance Schemes are not covered.
AAMI Health Insurance is issued by nib health funds limited ABN 83 000 124 381 (nib) a registered private health insurer, and is arranged by Suncorp Insurance Ventures Pty Ltd ABN 53 158 182 042 (SIV), for which SIV receives commission.
The immediate necessary treatment required as a result of an accident. To be covered for the Accidental Injury Benefit, you must provide documented proof that you have sought treatment at a hospital emergency department within 24 hours of the Accident.
The Emergency Department attendance is classed by the Australian Department of Health as an outpatient service, not a hospital admission, and therefore it is not payable by the Fund. The Accidental Injury Benefit covers further treatment in hospital as an admitted patient, where you are re-admitted to a hospital within 90 days of the initial visit For example:
If you were sent home from the Emergency Department before returning within 90 days to be admitted as an inpatient for further treatment relating to the original accident.
AAMI Home Building and Home Contents Insurance, Landlord Insurance, Strata Insurance, Car Insurance, Motorcycle Insurance, NSW and ACT CTP Insurance, Caravan Insurance, Business Insurance and Travel Insurance are issued by AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI) trading as AAMI. AAMI Life Insurance and Accidental Injury Insurance are issued by Suncorp Life & Superannuation Limited ABN 87 073 979 530, AFSL 229880 (SLSL) and are distributed by Suncorp Financial Services Pty Ltd ABN 50 010 844 621, AFSL 229885 (SFS) under the AAMI brand. AAMI Income Protection is issued by SLSL and distributed by SFS, under the brand AAMI, and AAI, who only issues the redundancy benefit. AAI trading as AAMI does not provide any financial product advice in relation to AAMI Life Insurance, Accidental Injury and Income Protection (except in relation to the redundancy benefit).
AAMI Health Insurance is issued by nib health funds limited ABN 83 000 124 381 (nib) a registered private health insurer, and is arranged by Suncorp Insurance Ventures Pty Ltd ABN 53 158 182 042 (SIV), for which SIV receives commission. Registered Office, Level 28, 266 George St, Brisbane QLD 4000. Information provided is general advice only and has been prepared without taking into account any person’s particular objectives, financial situation or needs. Read the relevant Product Disclosure Statement or Policy Document available at www.aami.com.au and consider whether it’s appropriate for you before making any decisions about whether to buy or continue to hold a product. Information current as of 9 July 2015.
