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AAMI Health Insurance

Whether you’re looking for a basic or higher level of health cover, AAMI Health Insurance can help you find a private health insurance product to cater to your lifestyle and budget.

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Special offer

Get up to $600 credit plus skip the 2 & 6 month wait on Extras^{^}
When you take out any new combined Hospital and Extras cover by 01 July 2024.

^{^}Available to eligible, new members. Offer fulfilled in month 3 of membership. Value of offer based on level of cover and plan selected.

Eligibility and T&Cs apply.

From 4 April 2023, you will no longer see your health policy in your AAMI account. To view your health policy, log in below through the Health Insurance customer self-service section.

What is Health Insurance?

AAMI Health Insurance is designed for singles, couples, single parents and families to help with the financial cost of medical expenses.

You can buy Hospital Cover or Extras Cover individually to get the right level of Health Insurance cover you need. Or combine Hospital Cover and Extras Cover together for a more comprehensive health care package.

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Buy Hospital Cover or Extras Cover individually or combine them together for a more comprehensive health care package.

HOSPITAL COVER

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Health cover for costs related to hospital treatment

Access private hospital accommodation

Avoid public hospital waiting lists

Choose which specialist treats you, when and where

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EXTRAS COVER

Compare Extras Cover

Health cover for costs related to everyday services not in hospital

Dental check-ups

Optical

Physio & Chiro

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Still not sure which health insurance is for you? Compare Hospital Cover or Extras Cover or get a quote online below.

WHAT'S THE DIFFERENCE BETWEEN

Hospital Cover and Extras Cover?

Hospital Cover helps pay for treatment as a private patient when you need to go to hospital because hospitals typically charge for things like accommodation, intensive care, surgery and any prescription medication required for specific treatment when you’re in hospital.

Extras Cover helps with everyday healthcare services typically not covered by Medicare, like visits to the dentist, optometrist, chiropractor, physio and more.

Compare Hospital Cover

Compare Extras Cover

DO I NEED

Private Health Insurance?

AAMI Health Insurance gives you peace of mind that you can access healthcare treatment in Australia when you need it.

If you have private health cover, benefits include:

Access to treatment in private hospitals
Skipping public hospital waiting lists
Choice of which specialists treat you, when and where
Unlimited emergency ambulance cover
No Medicare Levy Surcharge on your tax bill if eligible
No Lifetime Health Cover loading fees if you have Hospital Cover by July 1 following your 31st birthday

FAQs

Frequently Asked Questions

The telehealth services that we introduced during the pandemic to help access a range of Extras services are here to stay. For more information please call 13 22 44.

AAMI Health Insurance HICAPS claims using an Apple Wallet is currently not available. Customers can continue to swipe their AAMI Health Insurance Member Card through a HICAPS terminal to automatically process claims. Alternatively, claims can be made through AAMI Online Services.

Why AAMI Health Insurance?

Switching is easy

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, 24/7 claims

Just upload a photo of your receipt online and we’ll process your claim.

Concerned about tax?

By taking out AAMI Health Insurance Hospital Cover, you won’t pay the Medicare Levy Surcharge if eligible.

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Health Insurance articles

Showing 3 of 4 articles Showing 2 of 4 articles Showing 1 of 4 articles

5 reasons to take out health insurance if you’re under 30

Find out why getting health insurance when you’re in your twenties can help you save money now – and for years to come.

Feeling healthy? 4 things you could claim using your Extras benefits

Find out how AAMI Extras cover can help you feel and look your best.

The Difference Between Hospital And Extras Cover

Looking for private health insurance? Weigh up your own needs by exploring hospital and extras cover – Find out more.

Dental Treatments With AAMI Health Insurance

Want cover for both preventative and general dentistry? Find out about AAMI’s Health Insurance’s Dental Insurance coverage.

View all AAMI Answers

^This Offer is only available to new members who are Australian citizens, permanent residents of Australia, or those who are entitled to full reciprocal rights under Medicare, registered for Medicare and listed on an active Medicare card, and join an eligible combined AAMI Health Insurance Hospital & Extras policy by 11:59pm AEST 01 July 2024. Not available to existing health insurance policy holders with nib Health Insurance, nib Overseas Students Health Insurance, nib International Workers Health Insurance, nib Corporate Private Health Insurance, GU Health Insurance, AAMI Health Insurance, Apia Health Insurance, Suncorp Health Insurance, ING Health Insurance, Priceline Health Insurance, Real Health Insurance, Seniors Health Insurance, Qantas Health Insurance, or to previous policyholders who have held health insurance with any of these brands and cancelled their policy 6 months before or during the Offer Period.

The Offer consists of adjusting the “paid to” date on the qualifying policy to reflect the reduction off the premium payable for an amount equating to a maximum of AUD $300 (inclusive of GST) for single policies and a maximum of AUD $600 (inclusive of GST) for couples, families and single-parent family policies. The Eligible Member must maintain the Eligible Product up to the date of the Offer being applied to the active policy, being 26 June 2024 for policies purchased between 03 April 2024 and 30 April 2024, 31 July 2024 for policies purchased between 01 May 2024 and 31 May 2024 and 28 August 2024 for policies purchased between 01 June 2024 and 01 July 2024. The Offer will be forfeited if the Eligible Member is not an active policyholder on this date.

2 & 6 month waiting periods will be waived for Eligible Members on all Extras services that normally require a 2 or 6 month waiting period under the Eligible Product. The Waiver will be fulfilled at the time the Eligible Member takes out the Eligible Product. Longer waiting periods may apply for some services. See full terms and conditions.

AAMI Health Insurance is issued by nib health funds limited ABN 83 000 124 381 (nib), a registered private health insurer, and is marketed by Platform CoVentures Pty Ltd ABN 82 626 829 623 (PC), a Suncorp Group company. PC is an authorised agent of nib and receives commission from nib. nib is not a part of the Suncorp Group. Read the policy booklet before buying this insurance. Click here for a copy.

# Applies where there is a break in cover of 59 days or less. Waiting periods will apply for services not currently covered, services with higher benefits or where waiting periods haven't been fully served. Where the excess on the new product is lower than the excess on the previous cover, the excess on the previous cover will apply until the unexpired waiting period has been served. Any benefit limits already used with your current fund will apply to your AAMI Health Insurance policy.