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Our top priority continues to be paying claims and providing a full service to our customers.

At AAMI Life our claims payment and support process is the most important thing we do. Our teams continue to be ready to support you through this challenging time as the COVID-19 situation evolves.

There is no general COVID-19 exclusion on our individual AAMI Life policies

All AAMI Life claims will continue to be assessed according to the terms and conditions of your specific policy.

In some circumstances and on a case-by-case basis, individual customer policy exclusions may apply. This will have been notified to you at the time of taking out the policy and covered within the policy documentation. Please contact us directly if you have any questions.

AAMI Life is ready to help you

At AAMI Life, we, the insurer and our life insurance teams continue to be ready to support you through this challenging time as the COVID-19 situation evolves. Our first priority is supporting our customers and to be paying claims and providing a full service to you.

For information regarding AAMI Life Claims

If you are on claim and are ill with COVID-19, you are covered

There are no general exclusions for COVID-19 in any of our individual AAMI Life policies.  If you are currently on claim, then you can be assured that you are fully covered for COVID-19, and continue to be paid in line with your policy terms and conditions.

If you are currently on claim, you will continue to be paid

Our claims payment and support process is the most important thing we do, here at AAMI Life. Our AAMI Life claims teams are operating well and continue to be ready to support you through this challenging time, and we do not anticipate any significant delays to claims payments. Your claim will continue to be paid while you continue to meet your policy terms and conditions.

If you need to lodge a new claim

Dealing with your claim as quickly as possible is a priority for us because we know it's important to you. When you make a claim with AAMI Life you only need to speak to one person – your claims manager. They will be there to let you know what’s needed for your claim as well as answer any questions you may have. All claims will continue to be assessed according to the terms and conditions of your specific policy.

To make a claim, get in touch:

  • Please call AAMI Life on 13 22 44 Mon to Fri, 8.00am – 6.00pm (AEST)

AAMI Life’s broader support for our customers making claims or already receiving claims benefits

To ensure our claims managers provide the best possible support to our customers, we have developed additional claims situations considering the ways in which COVID-19 might affect individual customers and their own circumstances. As an extension of this, AAMI Life has established a dedicated team with experts from our Claims team to investigate alternative solutions for customers who may be experiencing difficulty meeting the information requirements of the claims process, while supporting claims managers with technical advice, including medical evidence requests.

For existing AAMI Life customers

Cover for COVID-19

Existing customers are fully covered for COVID-19

There are no general exclusions for COVID-19 in any of our individual AAMI life insurance policies.  If you are an existing AAMI Life customer you can be assured that you are fully covered for COVID-19 in line with your policy terms and conditions.  This includes all doctors, nurses and health professionals.

If you are suffering financial hardship and are having difficulty in paying your premium for your existing AAMI Life policy then AAMI Life can help

AAMI Life provides our customers with a range of ways to assist with the ongoing payment of premiums if they find themselves in financial hardship.  In light of the challenging circumstances surrounding COVID-19, we have taken further steps to strengthen and adapt AAMI Life’s existing Financial Hardship Policy, providing our customers with additional options including increased flexibility around premium payments and ongoing insurance cover. If you have been directly impacted by COVID-19 and are concerned about your ability to meet your premium payments please contact us on 13 22 44, or click here for more information.

If you want to increase your level of cover with AAMI Life then we are here to help

If you wish to increase your insurance cover with AAMI Life then please follow our normal policy increase application process.  If during the policy increase application and assessment process it is established that you have recently travelled abroad, are showing symptoms of COVID-19, or are in a high risk group then you may be individually assessed, and modified terms may be offered for the additional insurance cover only. These matters would be identified and assessed through our normal assessment process. Any new modified terms that are applied would only apply to the additional insurance cover and would not be applied to the insurance cover you already have in place under your policy.

For new AAMI Life customers

If you wish to purchase cover with AAMI Life then we are here to help

New customers purchasing AAMI Life and Income Protection policies can be covered in line with the policy terms and any special conditions or exclusions applied based on individual circumstances, like health status, medical history, travel or pastimes.  If you have recently travelled abroad, or are showing symptoms of COVID-19, or are in a high risk group then your application will be individually assessed, and modified terms may be offered.  These matters would be notified to you during your application and before your cover begins, and will also appear in your Policy Schedule.

If you are a frontline healthcare worker and would like to purchase cover with AAMI Life then we are here to help

If you are a frontline doctor, nurse, medical practitioner, or a healthcare worker who supports them, such as police, pharmacist, paramedic or age care worker, and wish to apply for new insurance cover with AAMI Life we would be pleased to help you. This is regardless of any exposure, or potential exposure, to COVID-19. For more information, please click here [click through to AAMI Life COVID-19 support response page (see page 6), including text from FSC Commitment or contact the AAMI Life Customer Service team on 13 22 44.

Find out more about your individual AAMI Life policy

If you have any specific questions on your policy, please contact the AAMI Life Customer Service team with your policy details on 13 22 44.

COVID-19 Commitment to frontline healthcare workers

AAMI Life is committed to ensuring health workers can access life insurance cover.

The life insurance industry has a critical role to play in supporting Australians at this important time.  AAMI Life intends to play its part to support our customers and the community when they need us most. We are grateful for all the doctors, nurses, medical practitioners, along with the healthcare workers who support them, such as police, pharmacists, paramedics and age care workers, who are on the frontline fighting the COVID-19 pandemic. 

TAL Life Limited and Asteron Life and Superannuation Limited (as issuers of the AAMI Life Insurance products) are pleased to support the FSC initiative to protect our frontline health workers. This commitment on behalf of participating FSC life insurance[1] member companies is to ensure that frontline healthcare workers are not prevented from obtaining life insurance cover purely through exposure, or potential exposure, to coronavirus.

1. The commitment

Life insurance companies participating in this commitment agree as follows:

For relevant healthcare workers, exposure or potential exposure to coronavirus will not of itself be used to:

  • decline an application for cover, or
  • charge a higher premium, or
  • apply a COVID-19 pandemic risk exclusion to any of the benefits offered,

subject to the following:

  • The agreement applies to new underwritten applications for individual life insurance benefits up to the financial limits below for relevant healthcare workers.
  • The normal underwriting process and rules will apply to individuals for health conditions unrelated to coronavirus.
  • Applicants who have tested positive for COVID-19, or who are waiting for a test result, will not be immediately eligible for cover.

2. Relevant Healthcare Workers

Relevant healthcare workers includes, but is not limited to, all the following people working in any capacity in Australia, in any of the following:

  • Doctors, nurses, cleaners and all hospital workers
  • Ambulance workers and paramedics
  • People working at a GP Surgery or Clinic
  • Workers at a COVID-19 testing site
  • Allied healthcare workers people providing mental healthcare services
  • Workers developing a COVID-19 vaccine or treatment
  • Pharmacists
  • Police
  • Age Care workers
  • Volunteers helping to support people with COVID-19

3. Financial Limits

The Commitment applies to the total amounts of cover the applicant would have, including both the cover being applied for and any existing individual and group insurance cover with all life insurers in aggregate, up to the following amounts:

  • $750,000 of lump sum death cover.
  • $500,000 of total permanent disability cover (TPD).
  • $200,000 of trauma and/or critical illness cover.
  • $4,000 a month in total of any combination of income protection, salary continuance or business expenses cover. 

Nothing in this Commitment prevents any life insurer from providing additional coverage in excess of the above.

4. Duration of the Commitment

he Commitment starts on 6 April 2020 and will continue until at least 1 July 2020 when it will be reviewed with a view to extending it if required.

Please note: This commitment is subject to authorisation by the ACCC.

TAL Life Limited and Asteron Life and Superannuation Limited, as issuers of AAMI Life Insurance products, is a member of the Financial Services Council (FSC) and a participating life insurance member in these initiatives.

AAMI Life Insurance products, other than in some circumstances the Redundancy Benefit, are provided by either Asteron Life & Superannuation Limited ABN 87 073 979 530, AFSL 229880 (Asteron) or by TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life) which is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). Both Asteron and TAL Life are part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). TAL companies are not a part of the Suncorp Group. TAL companies use the AAMI brand (a brand of the Suncorp network) under license.  

Suncorp is a distributor of products issued by Asteron and TAL Life. The different entities of TAL and the Suncorp group of companies are not responsible for, or liable in respect of, products and services provided by the other.

We're here to help

Find out more about your individual policy

If you have any specific questions on your policy, please contact the AAMI Life Customer Service team with your policy details on 13 22 44.

This information is current at 24 March 2020 and may be subject to change.

AAMI Life Insurance products, other than in some circumstances the Redundancy Benefit, are provided by either Asteron Life & Superannuation Limited ABN 87 073 979 530, AFSL 229880 (Asteron) or by TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life) which is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). Both Asteron and TAL Life are part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). TAL companies use the AAMI brand under license.

This advice is general and has not taken into account your individual objectives, financial situation, or needs. You must consider whether this advice is right for you having regard to your individual personal circumstances. You may need financial advice from a qualified adviser. Before you make a decision to acquire or continue to hold an insurance product, you should carefully, and in detail, read the relevant PDS and the policy document (where applicable) for the terms, conditions and any exclusions that apply to that product to ensure that the product is suited to your own individual objectives, financial situation and needs.

The information in this FAQ is not, and is not intended to be used as, personal financial advice, legal advice or medical advice for any of the questions covered, nor is it a substitute for any independent professional advice.

The information is not intended to influence or encourage you to acquire or hold (or not to acquire or hold) an income protection product or to encourage or discourage you from making a claim under your current income protection policy with your insurer.

This information must be read in conjunction with the relevant policy document, product disclosure statement and/or any policy schedule (including any relevant terms, conditions, exclusions and waiting periods contained in these documents).