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AAMI Health Insurance Starter Hospital

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What’s included with Starter Hospital?

Starter Hospital 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 Starter Hospital 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 Starter Hospital Cover

Excess $500

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 Starter Hospital

All other Medicare Recognised Services

Cancer Surgery and In-Hospital Cancer Treatment

Brain Surgery

Stroke Treatment

Heart Procedures

Back Surgery

Cochlear Implant Surgery and Bone Anchored Hearing Devices

Cosmetic Surgery

Joint Replacements

Eye Treatments

Renal Dialysis

Pregnancy and Birth Services

Assisted Reproductive Services

Infertility Investigations

Obesity/Weight Loss Surgery

Procedures not covered by Medicare

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