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

Frequently Asked Questions

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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.