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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.

You're covered for these procedures with AAMI Basic Hospital Plus Cover

Excess $500 / $750

Procedures you're covered for with Minimum Benefits Payable

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

Procedures you’re not covered for with AAMI Health Insurance Basic Hospital Plus

Brain and nervous system

Digestive system

Bone, joint and muscle

Ear, nose and throat

Kidney and bladder

Male reproductive system

Pain management


Breast surgery (medically necessary)

Diabetes management (excluding insulin pumps)

Eye (not cataracts)

Chemotherapy, radiotherapy and immunotherapy for cancer

Heart and vascular system

Lung and chest

Implantation of hearing devices


Joint replacements

Dialysis for chronic kidney failure

Pregnancy and birth

Assisted reproductive services

Weight loss surgery

Insulin pumps

Pain management with device

Sleep studies

Plastic and reconstructive surgery (medically necessary)

Back, neck and spine

Podiatric surgery (provided by a registered podiatric surgeon)


If you need cover for any of these procedures, use our Hospital Cover Comparison to find the right product for you. 

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.