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Trusted by 2.8 Million Australians2

Accidental Injury Insurance

Protect yourself and your family against the financial costs of an accident.

Cover for as little as
$4.17 a week1

Get a quote

What is Accidental Injury Insurance?

Cover for a range of accidents anytime, anywhere

While there's no way to prevent all accidents from happening, we can take steps to protect ourselves, financially, from the inconvenience they can cause. Accidental Injury insurance can pay a lump sum benefit if you suffer one of a number of listed injuries – helping you cope financially while you recover.

You can use the benefit in whichever way suits you; to help cover medical bills, everyday expenses e.g. mortgage or rent, groceries or to cover lost income. You are covered 24 hours a day, seven days a week – even if you are overseas.

Protect against a number of common injuries:

  • Fractures
  • Dislocations
  • Severe burns
  • Loss of limbs or sight

What's included?

Features and Benefits

  • Lump sum payment

    Receive a payment of up to $100,000 depending on injury and package type3

  • 24/7 accident coverage

    You are covered 24 hours a day, 7 days a week, even if you are overseas

  • Two package options to best suit you

    The choice of Standard or Plus packages allowing you to decide what level of cover and premium suits you

  • Flexible payment options

    Monthly or annual premium payment options are available to suit your budget

  • 30 day cooling off period

    You have 30 days from the policy commencement date to check that this insurance meets your needs

  • 10% family discount

    Receive a 10% family discount if more than one family member purchases a policy

Want more details? View the Product Disclosure Statement or Financial Services Guide.

Download PDS
Applying is quick and easy
  • No lengthy forms or medicals
  • Get a quote in 30 seconds
Get a quote

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My kids have left home

What injuries are covered?

Examples of injuries covered and the benefits that may be payable

You are covered against a number of common injuries, such as broken bones, burns and dislocations. For more serious injuries that require longer time e.g. loss of sight, the more financial protection you will receive.


Standard package
Plus package

Dislocated shoulder



Fractured lower leg



Fractured arm



Fractured skull

Dislocated shoulder



Severe burns to more than 20% of body or 50% of face



Loss of sight



View our Product Disclosure Statement for a full list of injuries and benefits.

AAMI Accidental Injury provides cover for a number of common injuries. The amount of any benefit payable under AAMI Accidental Injury inusrance will depend on certain factors including the type of injury and package chosen. Refer to the AAMI Accidental Injury Insurance combined Product Disclosure Statement and Policy Document.

You might also be interested in 

Insurance to protect against sickness & injuries

Receive a monthly benefit to replace up to 75% of your income4 if you're off work due to sickness or injury. 

Find out more

How to claim in 3 easy steps

In the unfortunate event that you need to make a claim, we're here to ensure you receive the help you need as quickly and painlessly as possible. We're here to help.

1. Call us

Call us on 13 22 44 as soon as possible after the event

2. Receive a claims pack

We will send you a claims pack to fill in

3. Complete form

Send us the completed claim form & requested info

How to claim in 3 easy steps

In the unfortunate event that you need to make a claim, we're here to ensure you receive the help you need as quickly and painlessly as possible. We're here to help.

1. Call us on 13 22 44 as soon as possible after the event

2. We will send you a claims pack to fill in

3. Send us the completed claim form & requested info

Join the 2.8 million Australians who "turn to AAMI"

Insurance you can trust

Trusted by 2.8 million Australians with their insurance needs2.

Unparalleled customer service

Support when you need us most.

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Call 13 22 44 if you have any questions
  1. For ages 18-65 for a standard package. 
  2. Includes customers of both AAI Limited ABN 48 005 297 807, AFSL 230859 (AAI), which is part of the Suncorp Group of companies and Asteron Life & Superannuation Limited (Asteron) which hold AAMI branded products. Asteron is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). Asteron is authorised to use the AAMI brand. The Suncorp Group is a distributor of life insurance provided by TAL.
  3. Must be aged 18-75 and Australian permanent resident or citizen.
  4. Eligibility criteria apply.

Asteron supports and adheres to the Life Insurance Code of Practice (Code). The Code has been developed voluntarily by the Life Insurance industry through the Financial Services Council to promote high standards of service to consumers, provide a benchmark of consistency within the industry, and establish a framework for professional behaviour and responsibilities. Download the Code here. For more information contact the Financial Services Council on (02) 9299 3022 (local call cost), email or visit

AAMI Lucky Club offers unique experiences exclusive to our customers. Access to shows, events and attractions with a little something extra – for you to enjoy with family and friends. That’s not very insurancey.

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