T&Cs apply.
AAMI Health Insurance is designed for singles, couples, single parents and families to help with the financial cost of medical expenses.
You can buy Hospital Cover or Extras Cover individually to get the right level of Health Insurance cover you need. Or combine Hospital Cover and Extras Cover together for a more comprehensive health care package.
Health cover for costs related to hospital treatment
- Access private hospital accommodation
- Avoid public hospital waiting lists More about avoid public hospital waiting lists
- Choose which specialist treats you, when and where
Health cover for costs related to everyday services not in hospital
- Dental check-ups
- Optical
- Physio & Chiro
What's the difference between Hospital Cover and Extras Cover?
Hospital Cover helps pay for treatment as a private patient when you need to go to hospital because hospitals typically charge for things like accommodation, intensive care, surgery and any prescription medication required for specific treatment when you’re in hospital.
Extras Cover helps with everyday healthcare services typically not covered by Medicare, like visits to the dentist, optometrist, chiropractor, physio and more.
Do I need Private Health Insurance?
AAMI Health Insurance gives you peace of mind that you can access healthcare treatment in Australia when you need it.
If you have private health cover, benefits include:
- Access to treatment in private hospitals
- Skipping public hospital waiting lists
- Choice of which specialists treat you, when and where
- Unlimited emergency ambulance cover
- No Medicare Levy Surcharge on your tax bill if eligible
- No Lifetime Health Cover loading fees if you have Hospital Cover by July 1 following your 31st birthday More about no lifetime health cover loading fees
*The Offer commences at 12:00am (AEDT) on 4 November 2025 and closes at 11:59pm (AEDT) on 17 December 2025 (“Offer Period”). This Offer is only available to new members who are Australian citizens, permanent residents of Australia, or those who are entitled to full reciprocal rights under Medicare, registered for Medicare and listed on an active Medicare card, and join an eligible combined AAMI Health Insurance Hospital & Extras policy by 11:59pm (AEDT) 17 December 2025. Not available to existing health insurance policy holders with nib Health Insurance, nib Overseas Students Health Insurance, nib International Workers Health Insurance, nib Corporate Private Health Insurance, GU Health Insurance, AAMI Health Insurance, Apia Health Insurance, Suncorp Health Insurance, ING Health Insurance, Priceline Health Insurance, Real Health Insurance, Seniors Health Insurance, Qantas Health Insurance, or to previous policyholders who have held health insurance with any of these brands and cancelled their policy 6 months before or during the Offer Period.
The Offer consists of adjusting the “paid to” date on the qualifying policy to reflect the reduction off the premium payable for an amount equating 5 weeks (calculated as 35 days) of the annual premium. The Eligible Member must maintain the Eligible Product up to the date of the Offer being applied to the active policy, being 28 January 2026 (Fulfilment Date) for policies purchased between 4 November 2025 and 30 November 2025, and 25 February 2026 (Fulfilment Date) for policies purchased between 1 December 2025 and 17 December 2025. The Offer will be forfeited if the Eligible Member is not an active policyholder on this date.
In addition, the 2 & 6 month waiting periods will be waived for Eligible Members on all Extras services that normally require a 2 or 6 month waiting period under the Eligible Product. The Waiver will be fulfilled at the time the Eligible Member takes out the Eligible Product. Longer waiting periods may apply for some services. See full terms and conditions.
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. nib is not a part of the Suncorp Group. Read the policy booklet before buying this insurance. Click here for a copy.
#Applies where there is a break in cover of 59 days or less. Waiting periods will apply for services not currently covered, services with higher benefits or where waiting periods haven't been fully served. Where the excess on the new product is lower than the excess on the previous cover, the excess on the previous cover will apply until the unexpired waiting period has been served. Any benefit limits already used with your current fund will apply to your AAMI Health Insurance policy.