AAMI Help Centre

AAMI offers a number of flexible ways to pay for your home and property insurance. Whether you’re a home owner, landlord, renter, or property manager, we’ve made payment simple with options to pay online (including debit/credit and BPAY), over the counter at your nearest Australian Post Office, by post, and over the phone. Discover all the ways you can pay for your home insurance policy.

To make your life easier, you can make a number of changes to your home insurance policy online. Through your AAMI account, you can change the sum of contents you’re insured for, update the sum of your insured building, update the unspecified portable items included in your cover, and more. Simply log in, click on the ‘My policy list’ link, and select the relevant policy you want to update. From the ‘Update my policy’ tab, you’ll find several options for making changes. Unfortunately, some things can’t be altered online, including changing your cover type (for example, from Property Owner to Landlord), and changing the specified portables listed on your cover. For these things please contact us - we’ll be happy to help you out.

Thanks for continuing to choose AAMI for your home insurance needs! We’ve made it super easy to renew online, using your AAMI account. Simply log in, click on ‘My policy list’ and choose the policy you want to renew, and select the ‘Renew now’ button.

As long as you've taken out the optional 'Portable Valuables' cover on your Home & Contents Insurance, and told us that you want to cover your mobile phone, then yes, it is covered. As a mobile phone is a high risk item, you will need to specify it on your policy to ensure it is appropriately insured. It will be shown on your policy under ‘Extra cover for Portable Covers Option'.

No need to sweat; when you’re filling out your online quote we’ll give you the tools you need to understand what counts as contents. We’ve also got a handy contents calculator to help you work out the value of your home contents.

Congratulations, buying your first home is a big deal! It can also be a bit of an overload of information, which is why AAMI has put together a complete guide to home insurance for first home buyers.

You can change the address listed on your policy, as well as numerous other contact and personal details, through your online AAMI account. After you log in, click on the policy you want to update. A pop up will appear with a summary of your policy; click on ‘View my policy’ on the bottom left. From there, under the ‘My personal details’ heading, click ‘Contact details’.

When you switch to AAMI, we’ll get in contact with your previous Health Insurance provider and handle the paperwork on your behalf. We’ll also request a Transfer Certificate from your previous insurer, so that you can start using your Health Insurance with us as soon as possible.

A dependent for family health insurance purposes is classified as a person under the age of 21. However, you may also be a classified as a 'student dependent' if you're a full-time student under the age of 25. Also, if you're single, under 25, and not studying full-time, you may also be able to stay on your family's policy as an 'adult dependent' for an additional fee.

Waiting periods you’ve already served with your previous health insurer will be recognised, so you can start getting the most out of your new AAMI Health Insurance straight away.

If there’s any waiting periods for services or higher annual limits not covered with your previous insurer, they may still apply. To make sure you receive continued cover, it’s best to switch to AAMI within 59 days of cancelling your previous policy.

Terms and conditions may apply. Check the PDS of your particular health cover to find out more.

As long as the hospital procedure you’ve undergone is included in your level of cover and you’ve completed the waiting period for that service, you can make a claim. There are 2 easy ways to make a Hospital Cover claim – online and over the phone. 

When you suspend your Hospital Cover, it’s basically on hold. That means you aren’t charged premiums, but you also can’t make claims for any services or treatments you receive within the suspension period. You can request to suspend your health cover for one of two reasons – if you are experiencing financial hardship or if you are travelling overseas for a period longer than 2 months.

To be eligible, you must have had your AAMI Health Insurance policy for 12 continuous months prior to applying for a suspension and premiums must be financially up to date.

To add a newborn to your Health Insurance cover, contact us as soon as possible. Your newborn child will receive immediate cover, as long as you notify AAMI within:

• 2 months from the newborn’s birth, if you’re upgrading from an existing Single or Couples policy, or
• 24 months from the newborn’s birth, if you’re adding them to an already active Family Policy or a Single Parent Policy 

You’ve got a few options when it comes to paying for your business insurance, including online (Visa, Mastercard, American Express), direct debit, BPAY, or by post. See all the ways you can pay your business insurance policy.

If you make a claim, you might need to pay one or more excesses. You can find out more about these excesses and when they apply in your relevant business insurance PDS.

You can pay for the renewal of your business insurance policy easily with our various payment methods. Options include paying by direct debit, credit card (Visa, Mastercard or American Express), online with BPAY, or by post.

Discover all your options for renewing your business insurance policy.

You can change your cover by contacting us. As a business owner, it’s good for you to review your cover each year, as well as when you expand your business, move premises, or upgrade your equipment.

You may be eligible for a refund on any unused premium if you haven’t made a claim during your period of insurance. You’ll be able to get an exact answer at the time of cancellation.

If you want to add an Interested Party to your business insurance policy, please contact us.

Working out how much Life Insurance cover you’ll need really varies across each person. One approach is to think about how much you can realistically afford to pay for cover each month, taking into consideration your existing expenses. An alternate approach may be to consider your current debts and future expenses like your mortgage or rent, living expenses, child care costs, schooling fees, etc.

Our life insurance calculator helps you work out how much cover you and your family may need. You can then use that information to get a more accurate Life Insurance quote. 

Your premium, i.e. the purchase cost of your Life Insurance, is calculated by a number of factors. These can include:

• Gender
• Age
• Weight
• Smoking status
• Pre-existing health conditions
• Engagement in hazardous sports such as parachuting, mountaineering and motor sports

Certain lifestyle changes, like quitting smoking, changing jobs, or losing weight may mean your premium is lessened, so it’s important to keep us in the loop as often as you can.

Because of the way premiums are calculated, it’s important we understand the health conditions and needs of every Life Insurance applicant. With AAMI Life Insurance, we don’t need you to go the doctors or get any medical tests. You will be required to answer a number of Health and Lifestyle questions as part of the application, but this should be a quick and easy process without the need to consult a doctor.

You may be worried about the potential of your Life Insurance application being rejected as a result of the answers you provide us, but it’s important you don’t omit or hide information from us. If you do, you may end up not being able to receive payment for a claim you make down the track, when you might have been fully eligible for cover if you’d been up front in the first place.

Starting from the date the medical practitioner gives you your diagnosis, a 30 day waiting period applies, and from then payments are made monthly in arrears. In other words, 60 days after you stop work, you’ll receive your first payment for the 30 days prior.

For the Disability Benefit, stopping work must be due to sickness or injury. For the Redundancy Benefit, it’s due to becoming involuntarily unemployed, and you must remain unemployed while actively seeking employment during that entire 30 day waiting period (some extra conditions apply – make sure you read the Life Insurance PDS for all the details).

If you go back to work during a month you’re claiming, you’ll receive a portion of the monthly amount for the time you weren’t able to work. While you’re receiving your monthly benefit, we’ll let you take a break from paying your regular premiums so your income isn’t reduced.

If you suffer from the same or related sickness or injury that you have previously claimed for within 6 months of your last benefit being payable, we will recommence benefit payments without applying a new waiting period. These benefits will be added to the remaining benefit period to ensure the maximum payment under the benefit period is not exceeded. If you’ve made a full recovery in between claims then you will commence a new claim and the benefit period will restart.

The amount you get paid if you’re off work is dependent on your income, so it’s important you let us know if that changes. All you have to do is contact us and we’ll help you out.

Yes! You're covered for the first 72 hours of each stopover in a country outside of the region you've selected in your policy. If you plan to spend more than 72 hours in a country you're travelling through, you should select that travel region to make sure it’s a part of your Travel Insurance policy.

For example, say you’re flying from Melbourne to Singapore and spending a week there before flying to London. You should select our Region Two – ‘All countries except the USA, Canada, Japan and countries in Africa’, to make sure you’re covered in both Singapore and London.

While AAMI doesn’t cover losses or expenses arising from most pre-existing medical conditions, there are a few we do:

• Asthma
• Breast cancer/prostate cancer
• Cataracts/glaucoma
• Coeliac Disease
• Diabetes/glucose intolerance
• Ear grommets
• Epilepsy
• Gastric reflux
• Gout
• Hay fever (allergic rhinitis)
• Hiatus hernia
• Hip/knee replacement
• Hypercholesterolemia (high cholesterol)
• Hypertension (high blood pressure)
• Menopause
• Peptic Ulcer
• Underactive thyroid

Under certain circumstances we may not cover these pre-existing medical conditions; make sure you read our PDS to see exactly what you’re covered for before you hit the road.

With AAMI’s Travel Insurance, we cover the costs of all medical expenses from illness or injury sustained on your journey outside of Australia, with no maximum limit. We also have you covered for dental expenses, as long as they’re needed to repair damage from an injury you’ve sustained through your international travels.

Keep in mind, we don’t cover medical or dental expenses that are:

• Related to most, although not all, pre-existing medical conditions, pregnancy, or childbirth
• Recoverable from Medicare or a health fund
• Incurred 12 months from the date of the injury or illness
• Incurred in Australia

AAMI Travel Insurance covers you throughout your international travels, as long as your journey starts and ends in Australia. It doesn’t cover you while you’re in Australia.

Our travel insurance policies are categorised by regions, so you can make sure you’re covered exactly where your travels take you. Setting specific regions can also help you save on your premium. 

Yes, you’ll need to take out insurance on your hire car as it’s not included in your Travel Insurance policy. If you do find yourself making a claim with your hire car insurance during your travels, AAMI will cover the excess cost (up to a certain limit).

All you have to do is lodge your claim with your hire car insurer (as you normally would), and provide us with a written report from them that shows you have to pay the excess. 

Our Travel Insurance covers some sporting activities but not others.

The ones we don't cover are:

• Professional sport (including training for that professional sport)
• Hunting
• Racing of any kind (other than on foot)
• Football of any kind
• Flying or other aerial activity except as a passenger in a scheduled, commercial power-driven aircraft
• Rodeo riding
• Running with the bulls
• Sailing
• Mountain or rock climbing using ropes or guides
• Abseiling
• Diving using breathing apparatus (if you don't hold an open water diving licence)
• Competitive snow and ice sports