Compare AAMI Health Insurance Hospital Cover

Compare Covers

What’s included with AAMI Health Insurance Hospital Cover?

It depends on the type of Hospital Cover you choose from.

Basic Hospital Plus covers just the basics and is designed for the young and fit. Concerned about tax? You won't pay the Medicare Levy Surcharge, if applicable, with this product, or any of our other Hospital products.

Bronze Hospital covers a little more than the basics, including brain and nervous system, plus chemotherapy, radiotherapy and immunotherapy for cancer.

Silver Everyday Hospital Plus is our mid-level product with everything in Bronze Hospital including heart and vascular system, palliative care and rehabilitation.

Silver Advantage Hospital Plus builds on Everyday Hospital with inclusions such eye and cataract treatments and joint reconstructions/replacements are covered.

Gold Hospital is our most comprehensive Hospital product with cover for pregnancy, birth and assisted reproductive services and all Medicare recognised in-hospital services.

What are the benefits of Hospital Cover?

Our five Hospital Cover products are designed to help singles, couples, single parents and families meet the cost of private treatment in a hospital, avoid public hospital waiting lists and choose the specialist that treats you, when and where.

Use our Health Insurance comparison table to see the complete list of included and excluded services to help you decide which Hospital Cover product is right for you.

Choose which specialist treats you, when and where

Includes unlimited emergency ambulance cover 

No Medicare Levy Surcharge on your tax bill if eligible

Access private hospital accommodation

No Lifetime Health Cover loading fees if you have Hospital Cover by July 1 following your 31st birthday

AAMI Health Insurance Comparison Table

Use our Health Insurance comparison to see the complete list of included services to help you decide which Hospital Cover product is right for you.

Cancer treatment in hospital: It is important to be aware that health insurance will only cover the portion of costs that relate to an admission to hospital. Specialist fees outside of hospital or other outpatient fees in relation to chemotherapy or radiotherapy aren’t covered.

High cost drugs are sometimes requested for the Treatment of some cancers. Typically high-cost drugs are for newer Treatments that are not recognised by the Pharmaceutical Benefit Scheme (PBS) because the PBS considers them to be still under clinical trial and therefore experimental Treatments. Health insurance will not Cover high cost drugs for the same reasons (or may only Cover a small portion of the cost). It is the responsibility of the treating doctor, and Hospital, to inform Patients about the potential for large out-of-pockets as a result of high cost drugs.

Customers without full cover for Psychiatric Treatment are able to use a one-off waiver to upgrade their cover and have immediate access to applicable in-hospital mental health services. This waiver is only available to customers who have held hospital cover for at least the previous two months and have a valid referral from a consulting psychiatrist. To find out more, call us on 13 22 44.

Benefit Limitation Period - Minimum Benefits Payable (BLP - MBP) means that unless you're transferring from a Complying Health Insurance Product (see Policy Booklet), there will be significant out-of-pocket costs if you go to hospital for this treatment in the first 12 months of your policy. After serving the 2 month Waiting Period, your benefit will be limited to "Minimum Benefits Payable" for the following 10 months. After this period of time you are entitled to the full benefit claimable for the treatment.

Minimum Benefits Payable (MBP) means that we will pay the minimum amount of benefits that we are required to pay under the Private Health Insurance Act, to or on behalf of a customer for hospital treatment under a Hospital cover. If you’re attending a Private Hospital for these services, there will be significant out-of-pocket costs. If a treatment important to you is listed as MBP, we recommend you consider a higher level of cover.

INCL - Hospital Treatment provided by a registered Podiatric Surgeon is limited to cover for accommodation and prosthetic devices. No benefits are payable for Podiatric Surgeon fees, medical specialist fees (e.g. Anaesthetist) or theatre costs. Refer to the Policy Booklet for more information.

Frequently Asked Questions

What isn't covered?

Health Insurance articles

Showing 3 of 4 articles Showing 2 of 4 articles Showing 1 of 4 articles
View all AAMI Answers

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.