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AAMI Health Insurance

Whether you’re looking for a basic or higher level of health cover, AAMI Health Insurance can help you find a private health insurance product to cater for your lifestyle and budget.

Great Customer Rewards




2 & 6 MONTH

Waiting periods waived

with new combined Hospital & Extras cover

T&C's apply

Get a quote

What is Health Insurance?

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.

Compare Health Insurance products

Buy Hospital Cover or Extras Cover individually or combine them together for a more comprehensive health care package.


Health cover for costs related to hospital treatment

Access private hospital accommodation

Choose which specialist treats you, when and where


Health cover for costs related to everyday services not in hospital

Dental check-ups


Physio & Chiro

Still not sure which health insurance is for you? Compare Hospital Cover or Extras Cover or get a quote online below.


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.

Compare Hospital Cover

Compare Extras Cover


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

Ways to save

You may qualify for the following


and skip the 2 & 6 month waiting periods on Extras

With a new combined Hospital & Extras policy

Ends 31 July 2019. T&C's apply

pay by direct debit & get 4% off

Online prices include the 4% discounted price

Why AAMI Health Insurance?

Switching is easy

Plus you won’t restart any waiting periods you’ve already served with your old fund when you sign up for the same level of cover with us.

Simple, 24/7 claims

Just upload a photo of your receipt online and we’ll process your claim.

Concerned about tax?

By taking out AAMI Health Insurance Hospital Cover, you won’t pay the Medicare Levy Surcharge if eligible.

*This offer is only available to new customers who take out a combined AAMI Hospital & Extras policy by 11:59pm AEST 31 July 2019. The waiver is only available on services requiring a 2 or 6 month wait on chosen Extras cover. Longer waiting periods may apply for some services.  Waiting periods already served with your current health insurance fund will be recognised and you won’t have to re-serve those waiting periods on equivalent services. The 1 month free will be fulfilled after the policy has been held for 60 consecutive days from the end of the month that the Eligible Product was purchased in, providing the policy has been paid up to date. The 1 month free will be applied by advancing the date paid to and will be referenced in the primary policyholder's policy statement. Not available to existing AAMI, nib, Apia, Suncorp or Qantas Health Insurance customers or to previous policyholders who have joined and cancelled 6 months before or during the offer period. 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 arranged by Suncorp Insurance Ventures Pty Ltd ABN 53 158 182 042 (SIV) as an authorised agent of nib for which SIV receives commission.

New hospital and extras policy

Offer Ends 31 October 2018.

Got a question?

Ask the AAMI Virtual Assistant