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Accidental Injury Insurance

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

Why insure with AAMI
  • Cover for as little as $4.17pw1
  • Trusted by 2.8 million Australians2
  • Apply online or over the phone
Get a Quick 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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I am young & single

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I have kids at home

I am mature & single

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.

Talk to a real person

Australian based call centres there to support you when you need us most.

Award winning insurance

Winner of the 2014 Plan for Life - Direct Life Insurance Overall Excellence award.

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 and Suncorp Life & Superannuation Limited which hold AAMI branded products.
3. Must be aged 18-75 and Australian permanent resident or citizen.

4. Eligibility criteria apply.


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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