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


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 Basic Hospital Plus cover is just right for him at the moment.


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.


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 Gold Hospital and AAMI Health Insurance Premium Active Extras 12 months ago so that she’s covered in time for when a baby arrives.


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 Gold Hospital cover for the whole family.


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 Silver Advantage Hospital Plus.

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.

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.