Offer Ends 31 October 2018.
Hospital Cover FAQs
You’ll find many answers to the most common questions about hospital cover here. If you can’t find what you’re looking for or have a specific question regarding your own policy, please contact us.
I've received a bill for my hospital procedure, how can I claim?
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.
What happens if I suspend my cover?
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.
How do I add my newborn to my cover?
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
What does Minimum Benefits Payable (MBP) mean?
Minimum Benefits Payable (MBP) is the minimum amount of benefits we are required to pay under the Private Health Insurance Act. It’s paid to, or on behalf of, a customer for hospital treatment under Hospital Cover.
That means if you’re getting treated in a Private Hospital for these services, you may face significant out-of-pocket- costs. If a treatment that’s important to you is listed as MBP, you may want to consider a higher level of cover.
What's an out-of-pocket expense, and can I reduce mine?
An out-of-pocket expense is the difference between what we'll cover and the total cost of your stay in hospital. For example, if your stay in hospital costs more than what you're covered for, you'll need to pay an out-of-pocket expense.
There are ways we can help you reduce or even avoid out-of-pocket expenses altogether, including:
- Checking if you have the right level of cover
- Providing you with access to a network of Agreement Private Hospitals
- Helping to cap doctor’s costs with nib’s MediGap Scheme
Contact us to find out more.
Will I be covered for Cosmetic Surgery?
No, none of our Health Insurance covers provide payments towards procedures or hospital costs associated with cosmetic surgery to enhance appearance.
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