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Health Insurance

Stages of Health Insurance Guide

It can sometimes be hard to know what health insurance product is the right choice for you. To help, here’s a convenient guide to highlight some things you might need to consider depending on your life stage.

Select what most sounds like you

I'M YOUNG & SINGLE

Josh is 27 and loves his job as a landscape gardener. With no partner on the scene, Josh has plenty of time to spend with mates and Tara (his border collie). Keeping fit and active through his work, Josh rarely gets sick and doesn’t spend too much time thinking about health. But he also knows that having a basic hospital cover takes away some of the stress if he were to be injured or rushed to hospital for any reason. Josh finds that AAMI Health Insurance Starter Hospital cover is just right for him at the moment.

I'M A FULL-TIME STUDENT

Carla is 22 and studying Accounting at uni. Like most of her friends, she balances the long hours in lecture theatres and the library with an active social life. Living at home with mum and dad, Carla is able to keep her expenses down and focus on her studies. Luckily for Carla, her parents already have AAMI Health Insurance, which she is able to take full advantage of as a ‘student dependant’ listed on their policy.

I'M IN A COUPLE

Tina, 35, and Mark, 34 own their own home which they’ve lived in for a few years. Now that they’ve finally finished their renovations and life is settling down, they’ve started to seriously consider adding to their small family. Being the organised one in the marriage, Tina took out AAMI Health Insurance Premium Hospital and AAMI Health Insurance Premium Active Extras 12 months ago so that she’s covered in time for when a baby arrives.

I HAVE KIDS AT HOME

Chris and Sandra have plenty on their plate with three kids under 7. To add to the chaos, they own and manage a small business — which works well because they can work flexibly around school hours. The kids’ health means everything to Chris and Sandra. That’s why they’ve chosen a high level of private health cover through AAMI Health Insurance Premium Hospital cover for the whole family.

I'M MATURE AGED

Jim is 62 and starting to scale back his work hours. He’s not interested in retiring just yet, but he’s definitely looking to take more holidays during the year, whether it’s a long weekend in the country, or a month in Europe visiting relatives. Jim takes out AAMI Travel Insurance*     when he’s on overseas holidays, but at home he’s got great health cover and opts for AAMI Health Insurance Everyday Boost Hospital.

Why AAMI Health Insurance?

Switching is easy!

AAMI Health Insurance will make the switch simple and easy, taking care of the paperwork to save you the hassle. Plus, you won’t restart any waiting periods you’ve already served with your old fund when you sign up for the same level of cover with us.

Simple online claims

You can make a claim online 24/7 — just upload a photo of your receipt and your claim will be processed. Or call AAMI Health Insurance on 13 22 44.

Concerned about tax?

By taking out AAMI Health Insurance Hospital Cover, you could avoid the Medicare Levy Surcharge if you maintain it for the full financial year and your income exceeds the relevant thresholds.