Health Lifestages Guide

Health insurance for seniors

Age is no barrier to great health insurance

Some say 60 is the new 40. Others say age is just a number. One thing’s for sure, getting older can often bring new challenges and considerations when it comes to our health. It’s always good to be aware of these.

Having private health insurance can not only encourage healthy habits; it can also provide a helpful buffer for your wallet when unexpected accidents or illnesses need medical attention.

There’s no time like the present to switch to AAMI Health Insurance. We’ve made it easy to switch by handling all of the paperwork and honouring the waiting periods you’ve already served with your current provider. You can even chat to a real person on 13 22 44 if you’re still trying to decide which AAMI Health Insurance Hospital or Extras policy is right for you.

Smart health cover for seniors

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When you need a high level of cover

Our top level of hospital cover, AAMI Premium Hospital offers the essential benefits of being able to choose your specialist and avoid public hospital waiting lists. Eye surgery and joint replacements are just some of the services covered by Gold Hospital*.

More about Gold Hospital

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  • Choose which specialist treats you, when and where

  • Avoid public hospital waiting lists

Want more coverage?

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To help make your health a priority

For dental, physio, optical and a range of other services that keep you in good health, you’ll want to opt for Premium Active Extras. This is our highest level of Extras cover and lets you claim back up to 70% on the cost of a number of services.

More about Premium Active Extras

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  • Physio, Chiro & Osteo cover with annual limits

  • General dental cover

  • Emergency Ambulance transport

Want more coverage?

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.

*Waiting periods and limits apply.

Good health for life

There are endless pieces of advice out there on how to stay healthy in our senior years. They range from the basics — like walking, staying social and regular check-ups — to enjoying more adventurous pursuits like surfing and hiking. When you find out what works best for you and stick to it consistently, you’re a long way towards maintaining a healthy lifestyle.

But there are times when you might hit a health hurdle and will need to seek unexpected treatment. That’s where private health insurance comes in. Many older people recognise the value of a comprehensive level of hospital and extras cover like AAMI Health Insurance Gold Hospital Insurance and Premium Active Extras..

Whether you’re retired, volunteering or still working, you’ll want to make sure your health cover meets your needs, providing everything that it can to keep you covered and in good health.

Looking out for LHC
Lifetime Health Cover loading

If you're taking out hospital cover for this first time or you've had a break from being covered, you may need to pay the Government's Lifetime Health Cover loading (LHC).

For each year after the age of 31 that you're not covered, you might have to pay the additional LHC loading on your Hospital premium once you start your policy. For each year you put it off, your loading will go up by another 2% (up to a maximum of 70%).

You'll then need to pay this loading for 10 consecutive years before it no longer applies.

Smart health cover for seniors

AAMI Health Insurance understands you need reliable health cover to keep you healthy as you get older. Here are just some of the benefits of taking up one of our seniors’ health insurance options, like AAMI Health Insurance Gold Hospital

  • Protection

    Choose your level of hospital cover depending on what’s right for you. After serving waiting periods, you’ll enjoy the security of being covered for things like emergency hospital stays and more, depending on your policy.

  • Helpful & friendly

    Thinking of making a change to your existing cover? AAMI Health Insurance can help you manage the process of switching from another insurer and we’re there to answer your questions along the way. If you’ve got a question, we’re here to help. Speak to a real person on 13 22 44.

  • Joint health & rehab

    Your joints work hard to keep you fit and active, but sometimes age takes its toll. Under AAMI Health Insurance Gold Hospital Cover**, after standard waiting periods, you’re able to claim on services related to joint replacements and rehabilitation after surgery.

  • Set your excess

    When you sign up to Gold Hospital, AAMI Health Insurance’s top level of hospital cover, you can set your excess cost at the amount that suits you best by choosing either $500 or $750.

**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.