Health Insurance FAQs

Depending on your type of appointment, you may be able to claim on the spot using your digital or physical health insurance card.

Add your card to your digital wallet and tap the provider’s terminal (like HICAPS) to make a claim. Available on Apple devices. If you prefer, you can still use your physical card at the provider's terminal to make the claim, or you can submit your claim online through AAMI Online Services.

Learn more about your digital health insurance card . 

Hospital Cover is the payment of benefits toward the cost of treatment in an Agreement Private Hospital, non-agreement Private Hospital or any public hospital. The level of hospital cover you choose determines the types of procedures you're covered for. The higher the level of cover, the more procedures you will be covered for.

If you've received a bill for a hospital procedure and that procedure is included in your level of cover, and you've served the waiting period(s), there are several ways you can claim. You can claim online, through the mobile app, or by contacting AAMI Health Insurance directly. If you're unsure why you have been billed please give us a call on 13 22 44. For contact hours click here.

When you suspend your Hospital Cover you put it on hold. You aren't charged premiums while it's suspended, but you can't claim during this period. You can suspend your cover if you're experiencing financial hardship or if you're travelling overseas for longer than 2 months. You must be with AAMI Health Insurance for 12 continuous months before being able to apply for a suspension. Please refer to your policy booklet for further information.

You can add your newborn to your cover by contacting AAMI Health Insurance as soon as possible. Your newborn child will receive immediate cover, as long as you notify AAMI Health Insurance of the birth and request the newborn become an insured person under the Policy:

i. within 2 months after the newborn’s birth, where the parent/guardian upgrades from an existing Single or Couples policy; or

ii. within 24 months after the newborn’s birth, if the newborn is to be added to a Family Policy or a Single Parent Policy that was active at the newborn’s date of birth.

A pre-existing condition is any ailment, illness, or condition that you had signs or symptoms of during the 6 months prior to you first joining hospital cover or upgrading to a higher level of hospital cover. A health condition can still be considered pre-existing even if the illness had not been formally diagnosed prior to you purchasing or upgrading your level of hospital cover.

The total cost of your stay in hospital depends on the hospital, your doctors and your specific procedure. Before going to hospital, we can explain how to keep costs down and even avoid out-of-pocket expenses altogether by:

• Checking if you have the right level of cover
• Providing you with access to a network of Agreement Private Hospitals 
• Helping to cap doctors costs with nib’s MediGap Scheme
• Please call us on 13 22 44 for more information

An Extras provider is a health service professional or organisation, such as a dentist, physiotherapist or optometrist.

Extras Cover annual limits are the maximum amount you can claim on a particular service per calendar year. These limits vary depending on your level of extras health cover. For example, with AAMI Health Insurance Premium Active Extras Cover there’s an annual limit of $500 on physio.

Any waiting periods you’ve already served with your previous health insurer will be recognised in full, so you can start getting the most out of your new AAMI Health Insurance straight away. Waiting periods may apply for services and higher annual limits not covered with your previous insurer. Any annual limits you have already used with your previous insurer will also carry across to AAMI Health Insurance until they're reset on January 1st. To ensure you receive this continuity of cover, make sure you switch to AAMI Health Insurance within 59 days of cancelling your previous policy. Find out more about AAMI Health Insurance's no waiting period.

When you've found the AAMI Health Insurance Cover that best suits your needs you can join online or over the phone on 13 22 44. For contact hours click here.

You can elect the date you would like your AAMI Health Insurance Cover to begin. Before you can start claiming for your Hospital and Extras, you must be in your chosen cover for a set period of time, (known as a waiting period). AAMI Health Insurance customers can only claim benefits after they have served their waiting periods. To find out what waiting periods apply on your policy please contact us on 13 22 44

You can pay your AAMI Health Insurance premium via direct debit, over the phone, through BPAY, at your nearest Australia Post Office, or by mail. Check your payment details by logging into your AAMI online account. For details on how you can make a payment, including setting up direct debit, visit the payments page.

A dependant for family health insurance purposes is classified as a person under the age 21. However, you may also be a classified as a 'student dependant' if you're a full-time student under the age of 31. Additionally, if you're single, under 31, and not studying full-time, you may be able to stay on your family's policy as an 'adult dependant', for an additional fee.

Yes. So long as the person you're adding is classified as a dependant for family health insurance purposes. To add a dependant, or to see if your child classifies as a dependant, give us a call on 13 22 44. For contact hours click here.

There are several ways to claim with your AAMI Health Insurance Cover: you can claim online or by swiping your card at your health service provider, if you have any questions please call us on 13 22 44. For contact hours click here.

Yes. There are several things you should consider when claiming for Hospital or Extras, such as: how much excess will you have to pay on your hospital admission, have the waiting periods been met for the claimed services, and have I reached my annual benefit limits on extras services. Need to make a claim? Visit AAMI Health Insurance claims page.

A waiting period is an initial period of time when a you first take out a policy where no benefit is payable for certain procedures or services.

Waiting periods will apply when you first takes out a policy. Waiting periods also apply to any additional benefits when you transfer from one fund to another, or from one AAMI product to another if a particular service has not been covered previously.

The Medicare Levy Surcharge is a tax paid by Australian taxpayers who don’t have private hospital cover and who earn above a certain annual income – $93,000 for singles and $186,000 for families. Find out more information about the Medicare Levy Surcharge

Most eligible customers claim the rebate as a reduction to their premium as it reduces the amount they pay AAMI Health Insurance. Let us know which income bracket you fall into and we can apply the corresponding rebate to your policy.

Other options for claiming the rebate:

You can choose to receive a rebate which is higher than you are entitled to from the Government. If you do this you may need to pay back the difference over and above your entitlement in the form of a tax bill when you lodge your tax return. You can choose to receive a rebate which is lower than you are entitled to from the Government. If you do this you should see the difference returned to you when you lodge your tax return. Alternatively, you can choose not to receive any rebate upfront and claim your entire entitlement from the Government (if eligible) when you lodge your tax return.

Your Health Insurance tax statement outlines important information to help you complete your tax return, such as the premiums you paid and the amount of rebates you received during the financial year. Click here for more information on how to read your Private Health Insurance Statement.

AAMI Health Insurance is issued by nib health funds limited ABN 83 000 124 381 (nib), a registered private health insurer, and is marketed by Platform CoVentures Pty Ltd ABN 82 626 829 623 (PC), a Suncorp Group company. PC is an authorised agent of nib and receives commission from nib.