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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 to your lifestyle and budget.

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Special offer

Get 6 weeks free^
When you take out any new combined AAMI Health Insurance Hospital and Extras cover by 2 April 2024.

^Available to eligible, new members. Offer fulfilled in month 3 of membership.

T&Cs apply.​

From 4 April 2023, you will no longer see your health policy in your AAMI account. To view your health policy, log in below through the Health Insurance customer self-service section.

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.

HOSPITAL COVER

Health cover for costs related to hospital treatment

Access private hospital accommodation

Choose which specialist treats you, when and where

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EXTRAS COVER

Health cover for costs related to everyday services not in hospital

Dental check-ups

Optical

Physio & Chiro

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

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.

Compare Hospital Cover

Compare Extras Cover

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

FAQs

Frequently Asked Questions

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.

Health Insurance articles

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^This Offer is only available to new members who join a combined AAMI Health Insurance Hospital and Extras policy by 11:59pm (AEDT) 02 April 2024. Not available to existing health insurance policyholders with AAMI Health Insurance, Apia Health Insurance, Suncorp Health Insurance, ING Health Insurance, Real Health Insurance, Seniors Health Insurance, Priceline Health Insurance, nib Health Insurance, GU Health Insurance or 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 6 weeks (calculated as 42 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 30 April 2024 for policies joined between 01 February 2024 and 29 February 2024, and 29 May 2024 for policies joined between 01 March 2024 and 02 April 2024. The offer will be forfeited if the Eligible Member is not an active policyholder on this date.

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. For information about how your personal information is managed, including how you can seek to access to or correct your personal information, please refer to privacy policies at nib.com.au/privacy and aami.com.au/privacy.

# 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.

Accidental Injury Benefit

Seek treatment at a hospital Emergency Department within 24 hours of an accident and if you need to be admitted, you'll receive benefits in line with our top hospital cover for the next 90 days.

Medicare Levy Surcharge

The Medicare Levy Surcharge (MLS) is a government tax on top of the normal Medicare Levy and impacts singles with a taxable income of over $93,000 for singles and $186,000 for families. 

Holding any AAMI Health Insurance Hospital Cover product means you won’t pay the MLS if your income is above the government threshold and you maintain your hospital cover for the full financial year.

Read the AAMI Health Insurance Policy Booklet for more information.