AAMI Health Insurance Basic Hospital Plus

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What’s included with Basic Hospital Plus?

Basic Hospital Plus covers the basic services you might need treatment for in hospital. It’s designed for the young and healthy or families on a budget and, like all of our private hospital products, can help avoid the Medicare Levy Surcharge for those looking to save on tax. 

With Basic Hospital Plus you’re covered for a range of procedures including appendix removal, dental surgery and inpatient hospital admission after an accident. Plus we offer unlimited emergency ambulance transport to get you to the hospital when you need it. (Residents of Queensland and Tasmania who have Ambulance services provided by their State Ambulance Schemes are not covered.)

You’ll avoid public hospital waiting lists if you need treatment in a public hospital for services covered on your policy, once you’ve served any waiting periods that apply to your policy. That’s one benefit of having private hospital insurance. And typically there’s no waiting for treatment in a private hospital.

Find out more benefits of Hospital Cover

This is just a summary. For full details about what is and isn't covered, read the Policy Booklet. It's dry, we know, but it's essential reading.

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.