Health Lifestages Guide

Health insurance for families

Health cover for those you love the most

Read this guide for important information on how private health insurance can be a fit with your family’s needs. Because when you’re a parent, the health and safety of your family is one of the most important things in your world, which means you’ll want to make sure you’ve got the best family health insurance for your family’s needs.

What health cover does your family need?

If you’ve got children or are expecting to in the future, you’ll want all your health insurance bases covered.

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When there might be a pregnancy in the future

If you are planning for a baby, you’ll want to consider the benefits of private health insurance. The AAMI Health Insurance top level of cover, Gold Hospital includes the essential cover you need to give you choices through your pregnancy.

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  • Choose which specialist treats you, when and where

  • Avoid public hospital waiting lists

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If you want to make sure your family’s well covered

Whether you’re lifting weights, running a marathon or taking up yoga, your body takes on a lot of stress when it comes to the demands of physical activity. Be prepared and protected by adding Extras to your Health Cover.

More about Premium Extras

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  • Physio, Chiro & Osteo cover with annual limits

  • General dental cover

  • Emergency Ambulance transport

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This is just a summary. For full details about what is and isn't covered, check the PDS (Product Disclosure Statement) It's dry, we know, but it's essential reading.

Got kids at home?

Depending on your current family situation and where you’re headed, there could be a variety of AAMI Health Insurance options to suit your needs. Choosing comes down to finding the option that will provide cover for the things you’re likely to need, plus any extras that may come in handy later down the track.* Because you’re busy, you’ll want family health cover that’s flexible, reliable and available with 24/7 online and phone support for claims.

With a family hospital health cover like AAMI Health Insurance Silver Everyday Hospital Plus your little ones will be covered for many in-hospital costs - that makes common kids’ procedures like tonsil removal, appendix removal and ear grommets a little bit easier for your family.* 

Kids not so little anymore? That’s ok too. Your children can be covered by your health insurance policy up to the age of 31, provided they are still studying full-time and registered as a Student Dependant.

Baby-proof your health insurance

If you might be expecting a baby in the future, sorting out your family health insurance well in advance is an important part of the preparation. Having a baby is a momentous life stage and a very exciting time for your family. But it’s also a time that brings with it many new health considerations as well as routine appointments.

With AAMI Health Insurance Gold Hospital Cover, you’ll have the security of knowing that your health cover gives you choices and security right throughout your pregnancy and birth.*

*Waiting periods and limits apply.

Health cover for your family

If you’re looking for private health insurance for your family, first consider your needs, lifestyle and budget. We understand that families can grow and priorities can change, which means you can reassess your policy as needed and make sure that it’s right for you – both now and into the future.

  • Pregnancy

    These days, having a baby can be an expensive and sometimes complicated time. With the right health cover, you’ll feel more confident making choices about what the best care and treatment options are for you.

  • Simplicity

    Keeping track of your health insurance together as a family is a smart way to streamline the paperwork and everyday expenses. AAMI Health Insurance can help you easily switch from another fund** and will honour applicable waiting periods served (for equivalent services only) with an existing fund. We’ll also handle the paperwork.

  • Tax Smart

    Don’t be caught short at tax time because you’ve delayed getting private hospital insurance. If your combined annual income is over $186,000, you’ll be paying a Medicare Levy Surcharge to the government unless you have private hospital cover and maintain it for the full financial year.

**Make sure you read your Policy Booklet for full details and requirements of switching from another insurer.

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.