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AAMI Health Insurance Premium Hospital

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What’s included with Premium Hospital?

Premium Hospital cover is our most comprehensive hospital product to help you meet the cost of a wide range of healthcare services including pregnancy and assisted reproductive services. Designed for those wanting the ultimate peace of mind and those planning to have children.

As our top level of hospital cover, every Medicare recognised in-hospital service is included and you can set your own excess by choosing either $250 or $500.

Compare all AAMI Health Insurance Hospital products

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 Health Insurance Premium Hospital

Excess: $250 or $500

Procedures you're covered for with a Benefit Limitation Period

Benefit Limitation Period (BLP) 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

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

Cosmetic Surgery

Procedures not covered by Medicare

If you need cover for a different range of procedures, use our Hospital Cover Comparison to find the right product for you. 

AAMI Health Insurance is issued by nib health funds limited ABN 83 000 124 381 (nib) a registered private health insurer, and is arranged by Suncorp Insurance Ventures Pty Ltd ABN 53 158 182 042 (SIV), for which SIV receives commission.