AAMI Health Insurance

AAMI is one of Australia’s largest insurance providers and is part of the Suncorp network. Among its insurance products is AAMI Health Insurance, issued by nib health funds.

What health insurance products does AAMI offer?

AAMI offers a range of health insurance products that provide varying levels of cover and additional benefits. AAMI has hospital cover, as well as extras cover.

AAMI’s 5 levels of hospital cover include:

Basic Hospital Plus

This option is AAMI’s most basic level of hospital cover and has the lowest premiums of the hospital cover options. Cover includes dental surgery, gynaecology, hernia and appendix, joint reconstructions, miscarriage and termination of pregnancy, tonsils, adenoids and grommets, emergency ambulance, accidental injury, hospital psychiatric services, palliative care and rehabilitation. For palliative care, rehabilitation, and hospital psychiatric services, only the minimum benefits payable (MBP) apply that are required under Australian legislation. Some exclusions under this level of cover include assisted reproductive services; back, neck and spine; blood; bone, joint and muscle; and brain and nervous system care, to name a few.

Bronze Hospital Plus

The next level up is Bronze Hospital Plus Cover and it includes everything that is covered by a Basic Hospital Plus policy, in addition to treatment for blood; bone, joint and muscle; brain and nervous system; breast surgery (medically necessary); chemotherapy, radiotherapy and immunotherapy for cancer; diabetes management; digestive system; ear, nose and throat; insulin pumps; joint reconstructions; kidney and bladder; lung and chest; male reproductive system; pain management; plastic and reconstructive surgery that’s medically necessary; podiatric surgery; skin and sleep studies. Some of the exclusions include dialysis for chronic kidney failure, heart and vascular system, implantation of hearing devices and joint replacements, to name a few.

Silver Everyday Hospital Plus

A Silver Everyday Hospital Plus is a mid-level policy that covers, in addition to Bronze Hospital Plus level cover, heart-related procedures; back, neck and spine; implantation of hearing devices and broader rehabilitation coverage. Exclusions include assisted reproductive services, cataracts, dialysis for chronic kidney failure, joint replacements, pregnancy and birth and weight loss surgery.

Silver Advantage Hospital Plus

In addition to the cover available under a Silver Everyday Hospital Plus policy, the Silver Advantage Hospital Plus policy offers treatment for cataracts, joint replacements, dialysis for kidney failure and rehabilitation. Some exclusions are assisted reproductive services, pregnancy and birth, and weight loss surgery.

Gold Hospital Plus

The Gold Hospital Plus policy is the most comprehensive of AAMI’s hospital cover offerings, with cover for all hospital services and treatments except for cosmetic surgery and procedures not covered by Medicare, which are also excluded from all of AAMI’s other hospital cover products. Some notable inclusions are weight loss surgery, psychiatric treatment and a variety of pregnancy and birth related services, including assisted reproductive and infertility investigation services.

AAMI’s 4 levels of extras cover include:

Starter Extras

The Starter Extras policy lets you claim up to 60% back from a number of services provided outside of a hospital. This includes preventative and general dental treatment, optical, physiotherapy, chiropractic and osteopathy, pharmaceutical prescriptions and ambulance cover.

Starter Boost Extras

A Starter Boost Extras policy lets you claim back up to 60% from the services covered by a Starters Extras policy, plus major dental treatment and natural therapies, including remedial massage.

Everyday Active Extras

The Everyday Active Extras policy includes a wider range of health and fitness services, such as podiatry and foot orthotics, dietary advice, health aids and a healthier lifestyle benefit. The healthier lifestyle benefit can apply for services such as gym memberships, personal training and weight management programs.

Premium Active Extras

A Premium Active Extras package is AAMI’s top-tier extras policy and lets you claim back 70% from a wide range of services outside of hospital. This policy has higher annual limits than the Everyday Active package. Some other inclusions are antenatal and postnatal services, eye therapy, hearing aids and speech processors and exercise physiology.

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AAMI Health Insurance FAQs

Before taking out a health insurance policy, it may be a good idea to first compare your options with Canstar.

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If you decide to take out AAMI Health Insurance, you can get a quote on its website. From there you can sign up online or over the phone. All applications must be accompanied by proof of identity and any other relevant information that AAMI may require.

You can manage your AAMI health insurance policy by logging into your AAMI members account online. From here, members can see details of their membership, review their claims history, update their contact details and change their coverage, among other things.

Yes, varying degrees of dental cover is included in all of AAMI’s health insurance policies. All levels of hospital cover include dental surgery and all levels of extras packages include cover for general and preventative dental treatment. The Starter Boost, Everyday Active and Premium Active extras policies all include cover for major dental treatment, while the Everyday Active and Premium Active plans include orthodontia, which is specialty dentistry focusing on the realigning of teeth and bites (e.g. braces, plates). You can find out more about health insurance policies with dental cover.

Once you’ve received medical treatment or made a purchase covered by your policy, the next step is to make a claim.

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You can make a claim by logging into your AAMI members account online and following the prompts. Contact AAMI over the phone or visit the AAMI website if you need assistance.

At the time of writing, AAMI does not offer Overseas Student Health Cover (OSHC). If you are an international student currently living in Australia on a study visa or planning to do so once coronavirus travel restrictions are lifted, you can compare OSHC policies available in Australia with Canstar:

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At the time of writing, AAMI does not offer Working Visa Health Cover (also known as Overseas Visitor Health Cover or OVHC). However, if you’re on an overseas visa and are from a country with a reciprocal healthcare agreement, you could be eligible for another local policy. You can compare OVHC policies on Canstar’s website:

Compare Working Visa Health Cover

AAMI is part of the Suncorp Network, which brings together financial services and products from brands like AAMI, Suncorp, GIO, Apia, Shannons and Bingle. AAMI was founded in 1969, and is one of Australia’s oldest and largest insurance providers.

Written by: Eliza Parry-Okeden | Last updated: January 11, 2021