AAMI Health Insurance
AAMI Health Insurance provides five different health insurance plans, including Starter Boost Extras, Bronze Hospital, and Gold Hospital, with weekly premiums ranging from $20.08 to $62.76.
In addition, AAMI offers up to 70% reimbursement on common health services, as well as comprehensive emergency ambulance coverage, ensuring members receive prompt assistance during medical emergencies.
| 🔎 Provider | 🥇 AAMI Health Insurance |
| 📈 Date Established | 1970 (AAMI Health Insurance launched in 2008) |
| 📉 Headquartered | Melbourne Victoria |
| 📊 Registration Number | Nib Health Funds Limited ABN 83 000 124 381 (nib) |
| 💹 Number of Employees | Approximately 1,559 |
| 💱 APRA-Regulated | None, but health insurance is issued by nib Health Funds Limited ABN 83 000 124 381 (nib) |
| 🚩 The most recent Market Cap reported | Aggregated under Suncorp Group’s financial data |
| 🅰️ Average Customer Rating | 3.96/5 for customer satisfaction |
| 🅱️ Average Number of Reviews | 1,000+ |
| ↪️ Market Share | Not disclosed separately from Suncorp Group |
| 5️⃣ Number of plans | 5 main health insurance plans |
| 🏆 Sponsorships | Partner of the AFL and SANFL, including initiatives like Clangers for Good |
| 📌 Mobile App | ✅Yes |
| ⚙️ Medical Claims Portal | ✅Yes |
| ⏲️ Customer Support Operating Hours | Available from 8 am to 8:30 pm weekdays and Saturday 8 am to 1 pm (AEST) |
| ✏️ Information Hub and Blog | ✅Yes |
| 💊 Chronic Illness Benefits | Coverage for rehabilitative treatments and specific health needs under hospital and extras plans |
| 🧬 Screening and Prevention | General and preventative dental, optical, and physiotherapy services under extras plans |
| 🍼 Maternity Benefit | Limited coverage under hospital plans like the Bronze Hospital Plan |
| ⭐ Health Insurance Premium Range (AUD) | From $20.08 per week to $62.76 per week for various plans |
| ⏰ Average Waiting Period | Varies, e.g., 1 day for emergency ambulance, 2-6 months for common extras services, up to 12 months for specific treatments |
| 🌎 International Medical Cover | Not directly, offered through travel insurance |
| ✈️ International Travel Benefit | Offers travel insurance separately, not covered directly under health plans |
Overview
AAMI Health Insurance offers a range of flexible health insurance plans to suit various needs and budgets. With options like Basic Hospital Plus, Bronze Hospital, Silver Everyday Hospital Plus, Silver Advantage Hospital Plus, and Gold Hospital, AAMI ensures there’s a plan for everyone.
From affordable premiums to comprehensive coverage for a variety of treatments, these plans cater to individuals, families, and those seeking specific healthcare needs.
| 🔎 Plan | 💴 Premium Range AUD (Min to Max, Weekly to Yearly) | 🪫 Exclusions | 🔋 Ideal For | 📌 Gap Cover Available | 📍 Rebate Percentage | ⏰ Average Waiting Period | 🔑 Key Features |
| 🥇 Basic Hospital Plus | $20.08 per week | Complex surgeries, elective cosmetic procedures, maternity services, non-accident emergency care | Individuals looking for affordable, basic hospital coverage with essential inclusions | None | Up to a 32.812% | 1 day for emergency ambulance, 2 months for inpatient services, 12 months for pre-existing conditions | Emergency and accident care, ambulance transport coverage, affordable premiums, foundational hospital services |
| 🥈 Bronze Hospital | $23.43 per week | Advanced heart surgeries, weight loss surgeries, mental health outpatient services, alternative therapies | Budget-conscious families or individuals needing moderate coverage | None | Up to a 32.812% | Immediate for accident injuries, 2 months for general treatments, 12 months for pre-existing conditions | Covers basic heart services, maternity, and rehabilitation services, accident and emergency care |
| 🥉 Silver Everyday Hospital Plus | $30.34 per week | Weight loss surgeries, advanced mental health services, elective surgeries, outpatient services | Families and individuals needing balanced, comprehensive coverage | None | Up to a 32.812% | 2 months for rehabilitation services, 12 months for maternity services | Comprehensive inpatient services, maternity benefits, cancer treatments, emergency ambulance transport |
| 🏅 Silver Advantage Hospital Plus | $43.46 per week | Cosmetic surgeries, advanced mental health services, outpatient care, weight loss surgeries | Couples or families looking for a wide range of covered treatments without the top-tier premiums | None | Up to a 32.812% | Immediate for accident coverage, 2 months for surgeries, 12 months for pre-existing conditions | Heart and joint surgeries, rehabilitation and palliative care, emergency ambulance services, cancer treatments |
| 🎖️ Gold Hospital | $62.76 per week | Cosmetic surgeries, weight loss programs, alternative therapies, outpatient services | Individuals or families seeking maximum inpatient coverage with minimal exclusions | None | Up to a 32.812% | 2 months for cancer treatments, 12 months for maternity and pre-existing conditions | Comprehensive heart surgeries, major joint replacements, extensive cancer coverage, emergency ambulance transport |
Frequently Asked Questions
What does the Basic Hospital Plus plan cover?
The Basic Hospital Plus plan offers emergency and accident care, ambulance transport coverage, and essential hospital services, with affordable premiums. It excludes complex surgeries, elective cosmetic procedures, and maternity services.
Can I add gap cover to my AAMI Health Insurance plan?
Currently, AAMI Health Insurance does not offer gap cover with any of its plans.
How long do I need to wait before receiving treatment?
The average waiting period varies by service. For emergency ambulance care, treatment starts immediately, while inpatient services generally have a two-month waiting period, and pre-existing conditions may require a 12-month wait.
What are the exclusions for the Gold Hospital plan?
The Gold Hospital plan excludes cosmetic surgeries, weight loss programs, alternative therapies, and outpatient services while offering extensive inpatient care, heart surgeries, major joint replacements, and cancer treatments.
Does AAMI Health Insurance provide maternity coverage?
Maternity services are available with most plans, but waiting periods apply, with up to 12 months for pre-existing conditions related to maternity care.
Our Overall Assessment
Whether you’re looking for basic coverage or comprehensive hospital care, AAMI Health Insurance has a plan that can be tailored to your lifestyle. With competitive premiums, a range of benefits, and up to 70% back on common health services, AAMI provides essential coverage for those seeking peace of mind during medical emergencies and treatments.
Insurance Plans, Features, and Benefits
AAMI has five flexible plans that cover basic to comprehensive health needs. Below is a comprehensive overview of the plans and the extra cover offered.
Basic Hospital Plus
The Basic Hospital Plus plan is an entry-level hospital cover for essential services and affordability. It has foundational hospital coverage without the extensive inclusions of higher-tier plans.
| 🔎 Aspect | 📌 Details |
| 💴 Premium Range (AUD) | From $20.08 weekly |
| 🪫 Exclusions | Elective surgeries complex maternity services, non emergency care |
| 🥰 Ideal For | Budget-conscious individuals and families |
| ↪️ Gap Cover | None |
| ⌛ Average Waiting Period | 2 months for inpatient services, 12 months for pre-existing conditions |
| ⭐ Key Features | Accident cover basic psychiatric services, emergency ambulance, essential surgeries |
Unique Features
- Includes coverage for accidental injuries and emergency treatments.
- Affordable entry-level premium for essential health services.
- Emergency ambulance transport is covered for urgent hospital visits.
- Shorter waiting periods for emergency-related services.
- Basic psychiatric and palliative care coverage.
- Flexible payment options to suit different financial needs.
Member Category Pros and Cons
Singles
- Pros: Low cost, emergency coverage, flexible payments.
- Cons: Limited psychiatric support, no maternity benefits.
Couples
- Pros: Affordable premiums, and essential hospital care.
- Cons: Limited maternity services, no advanced heart services.
Families
- Pros: Low-cost accident cover for children, essential hospital services.
- Cons: No pediatric-specific care, limited maternity.
Single Parents
- Pros: Affordable premiums, and emergency care for dependents.
- Cons: Limited family-focused services, no advanced pediatric treatments.
The Basic Hospital Plus plan is a great option for individuals and families seeking essential hospital coverage at an affordable price. While it doesn’t offer the extensive services of higher-tier plans, it provides solid coverage for emergencies, accidents, and essential surgeries.
With flexible payment options and shorter waiting periods for emergency treatments, it’s ideal for budget-conscious members who need reliable, foundational health care without breaking the bank.
Bronze Hospital
The Bronze Hospital plan balances affordability and broader health coverage for individuals or families needing more than basic services without the cost of comprehensive plans.
| 🔎 Aspect | 🥇 Details |
| 💴 Premium Range (AUD) | From $23.43 weekly |
| 📌 Exclusions | Advanced surgeries, complex mental health care, outpatient services |
| 🥰 Ideal For | Budget-conscious individuals or young families |
| 💰 Gap Cover | None |
| ⏰ Average Waiting Period | 2 months for heart services, 12 months for maternity and pre existing conditions |
| 🔑 Key Features | Emergency accident coverage, rehabilitation services, affordable premiums |
Unique Features
- Covers hospital treatments for joint reconstructions and gastrointestinal procedures.
- Limited but essential coverage for pregnancy services.
- Offers rehabilitation and palliative care services.
- Inclusions for basic heart treatments and emergency care.
- Affordable premiums tailored for growing families.
- Extensive accident and emergency cover for peace of mind.
Member Category Pros and Cons
Singles
- Pros: Accident and emergency care, basic heart treatments.
- Cons: Limited mental health support, no advanced surgeries.
Couples
- Pros: Budget-friendly, essential health services for both partners.
- Cons: Limited coverage for advanced procedures.
Families
- Pros: Affordable coverage, basic maternity support, accident coverage.
- Cons: No pediatric surgeries, and extended waiting periods.
Single Parents
- Pros: Affordable premiums, essential hospital and accident cover for dependents.
- Cons: Limited maternity support, no specific child-focused care.
Silver Everyday Hospital Plus
Positioned between basic and higher-level plans, the Silver Everyday Hospital Plus plan provides extensive coverage for a moderate price, ideal for families and couples who need comprehensive health services without top-tier premiums.
| 🔎 Aspect | 📌 Details |
| 💶 Premium Range (AUD) | From $30.34 weekly |
| 🚨 Exclusions | Complex mental health treatments, weight loss surgeries |
| 🥰 Ideal For | Families and couples seeking extensive coverage |
| 💰 Gap Cover | None |
| ⏰ Average Waiting Period | 2 months for cancer treatments, 12 months for maternity |
| 🔑 Key Features | Heart and vascular coverage, comprehensive maternity services, emergency ambulance transport |
Unique Features
- Comprehensive inpatient services covering major surgeries and specialized care.
- Full maternity benefits, including prenatal and postnatal support.
- Heart and vascular services for various conditions.
- Extensive coverage for joint replacements and surgeries.
- Comprehensive cancer treatment benefits.
- Emergency ambulance services for immediate needs.
Member Category Pros and Cons
Singles
- Pros: Comprehensive maternity and heart benefits.
- Cons: Excludes elective surgeries, and weight loss coverage.
Couples
- Pros: Balanced coverage for critical conditions and joint services.
- Cons: Longer waiting periods for maternity services.
Families
- Pros: Comprehensive heart, maternity, and cancer care.
- Cons: Extended waiting period for maternity.
Single Parents
- Pros: Maternity support, cancer care for dependents.
- Cons: High premiums for single-income households.
Silver Advantage Hospital Plus
The Silver Advantage Hospital Plus plan offers a more robust range of hospital services compared to lower-tier plans, making it a viable option for those needing comprehensive inpatient coverage at a moderate price.
| 🔎 Aspect | 📌 Details |
| 💴 Premium Range (AUD) | From $43.46 weekly |
| 🚨 Exclusions | Alternative therapies, outpatient mental health services |
| 💝 Ideal For | Couples or families seeking extensive inpatient care |
| 💊 Gap Cover Available | None |
| ⏰ Average Waiting Period | 2 months for joint surgeries, 12 months for pre-existing conditions |
| 🔑 Key Features | Comprehensive joint replacement, extensive cancer care, maternity benefits |
Unique Features
- Comprehensive inpatient services for complex surgeries.
- Extensive maternity and childbirth services.
- Cancer treatments include chemotherapy and radiotherapy.
- Rehabilitation and palliative care support.
- Coverage for heart-related procedures and joint surgeries.
- Emergency ambulance services for hospital transport.
Member Category Pros and Cons
Singles
- Pros: Heart and joint services, cancer care coverage.
- Cons: No advanced mental health or elective surgeries.
Couples
- Pros: Balanced coverage for critical surgeries and maternity care.
- Cons: High cost compared to lower plans.
Families
- Pros: Comprehensive maternity, heart, and cancer treatments.
- Cons: Long waiting periods for maternity and pre-existing conditions.
Single Parents
- Pros: Maternity and cancer support for dependents.
- Cons: Higher premiums, and extended waiting periods.
Gold Hospital
The Gold Hospital plan provides the most extensive coverage among AAMI’s offerings, targeting individuals or families seeking maximum protection and comprehensive hospital services.
| 🔎 Aspect | 📌 Details |
| 💶 Premium Range (AUD) | From $62.76 weekly |
| 🚨 Exclusions | Elective cosmetic surgeries, alternative therapies |
| 🩷 Ideal For | Individuals and families needing comprehensive health coverage |
| ⭐ Gap Cover Available | None |
| ⏰ Average Waiting Period | 2 months for surgeries, 12 months for maternity and pre-existing conditions |
| 🔑 Key Features | Full maternity cover, extensive heart and joint procedures, cancer treatment benefits |
Unique Features
- Full maternity and childbirth services for comprehensive family planning.
- Includes major heart surgeries and interventions.
- Extensive joint replacement procedures for knee, hip, and other joints.
- Comprehensive cancer treatments, including chemotherapy and palliative care.
- Emergency ambulance transport for critical situations.
- Full rehabilitation support post-surgery.
Member Category Pros and Cons
Singles
- Pros: Comprehensive inpatient services, and flexible maternity planning.
- Cons: High premiums, no elective surgeries.
Couples
- Pros: Maximum coverage for critical health needs and maternity care.
- Cons: Higher costs, and extended waiting periods for surgeries.
Families
- Pros: Maximum coverage, extensive maternity and cancer care.
- Cons: High cost, and long waiting periods for pre-existing conditions.
Single Parents:
- Pros: Extensive maternity and emergency support for dependents.
- Cons: High premiums, and limited mental health services.
Frequently Asked Questions
What is covered under the Basic Hospital Plus plan?
The Basic Hospital Plus plan covers essential hospital services, including emergency treatments, accidental injuries, psychiatric care, and ambulance transport. It is ideal for those looking for an affordable option with foundational coverage.
Does the Bronze Hospital plan cover maternity services?
Yes, the Bronze Hospital plan offers limited maternity coverage. It includes basic pregnancy-related services, though it doesn’t extend to comprehensive maternity care.
What unique benefits are provided by the Silver Everyday Hospital Plus plan?
The Silver Everyday Hospital Plus plan includes comprehensive inpatient services for major surgeries, heart and vascular conditions, cancer treatments, and full maternity benefits. It is ideal for those who need moderate but extensive coverage.
Is the Gold Hospital plan suitable for families?
Yes, the Gold Hospital plan is perfect for families, offering extensive maternity and childbirth services, joint replacements, cancer care, and rehabilitation support. However, it comes with a higher premium due to its comprehensive coverage.
📌 Learn more about Gold Health Insurance Plans
How does AAMI handle waiting periods for treatments?
Waiting periods vary by plan. Emergency services typically have shorter waiting periods, while maternity and pre-existing conditions may have longer waiting periods, particularly in higher-tier plans.
Our Overall Assessment
AAMI provides a wide range of flexible health plans catering to individuals, couples, and families, offering essential services at varying levels of coverage. While some plans focus on affordability, others provide comprehensive care for more complex health needs. With options for emergency treatments, maternity care, and rehabilitation, AAMI ensures that there is a plan to suit different health and financial needs. However, higher-tier plans come with higher premiums and longer waiting periods.
AAMI Health Insurance User Reviews
🥇 Great Value and Coverage!
Switching to AAMI was an excellent option for me. Their costs are competitive, and the coverage options were more tailored to my needs than those of my previous insurance. I feel confident about the value I’m receiving, and so far, it’s been a positive experience. – Chelsea
🥈 Smooth Claims Process.
Claiming with AAMI was hassle-free. I was initially worried about all the paperwork and the usual back-and-forth, but they made it simple. AAMI kept me informed throughout the process, ensuring there were no surprises along the way. I’m impressed with how seamless it was. – Shaun
🥉 Exceptional Customer Service
I found AAMI’s customer service to be exceptional. They were clear and transparent about my coverage and helped me select a plan that fit my budget. It’s refreshing to work with a company that takes the time to explain everything thoroughly without rushing through the details. – Daniel
AAMI Health Insurance vs Australian Unity Health Insurance vs Medibank Private Health Insurance
| 🔎 Insurance | 🥇 AAMI Health Insurance | 🥈 Australian Unity Health Insurance | 🥉 Medibank Private Health Insurance |
| 📈 Years in Operation | 54 years | 184 years | 48 years |
| 📉 Average # Members | Not publicly disclosed | Approximately 280,000 | Over 4.1 million |
| 📊 APRA Regulation | ✅Yes | ✅Yes | ✅Yes |
| 💹 Number of Employees | Approximately 1,559 | Over 7,000 | 3,220 |
| 💱 Market Share | Not disclosed separately from Suncorp Group | Estimated at around 3% | 26.9% |
| 📌 Market Coverage | Australia | Australia | Australia |
| ⭐ Customer Rating | 3.96/5 | 4.2 stars | 3.5/6 |
| 📍 Number of reviews | 1,000+ | 1,000+ reviews | Thousands |
| ☎️ Mobile App | The AAMI App | The Australian Unity Health App | My Medibank App |
| 💶 Premium Range (AUD) | From $20.08 to $62.76 per week | From $38.60 per fortnight to $3,172.79 per year | From 19.83 AUD per week up to 2,910 AUD per year |
| 🌎 International Travel Benefit | Offers travel insurance separately, not covered directly under health plans | Under specific plans | Available through various insurance plans |
| 💰 Market Capitalization | Aggregated under Suncorp Group’s financial data | Not publicly available | Approximately AUD 10.16 billion |
| 🏆 Unique Features | Tailored health coverage options, emergency ambulance cover, flexible rebate options, partnerships for community and resilience initiatives | Hospital Substitution Programs, Health Support Programs, Chronic Illness Benefits, Screening and Prevention Programs, comprehensive hospital and extras coverage options | GapCover, 24/7 nurse and mental health support, Better Minds program, comprehensive travel insurance options |
Advantages of Using AAMI Health Insurance – Unique Selling Points
AAMI Health Insurance has flexible options for all healthcare needs with specific features and services that set it apart from other health insurers. The primary appeal of AAMI is flexibility, user-centric benefits, and comprehensive support structures, all tailored to provide accessible healthcare solutions.
Ease of Switching
AAMI ensures a seamless transition from other health insurance providers. Members won’t have to re-serve waiting periods for equivalent coverage.
24/7 Claim Support
AAMI has 24-hour service available daily, letting members upload receipts and track their claims conveniently using the AAMI app.
Tax Considerations
By opting for AAMI Health Insurance Hospital Cover, eligible members can avoid paying the Medicare Levy Surcharge, leading to substantial tax savings for high-income earners.
Flexible Rebate Options
AAMI lets members choose their preferred method of receiving the Australian Government Rebate. Members can either apply it as a direct reduction to their premium or receive the rebate at the end of the financial year.
Comprehensive Ambulance Coverage
AAMI’s plans include full ambulance transport coverage, an essential benefit during medical emergencies.
Special Offers and Discounts
AAMI provides promotional offers such as bonus free cover periods for new members.
Extensive Community Partnerships
AAMI demonstrates corporate social responsibility through long-standing partnerships with local organizations like VICSES.
Frequently Asked Questions
How easy is it to switch to AAMI Health Insurance?
AAMI makes the switching process seamless. Members don’t need to re-serve waiting periods for equivalent coverage, ensuring a smooth transition from their previous provider.
What kind of support can I expect when filing a claim with AAMI?
AAMI offers 24/7 claim support, allowing members to upload receipts and track claims conveniently using their app, ensuring assistance is always available.
Can I save on taxes with AAMI Health Insurance?
Yes, by opting for AAMI’s Hospital Cover, eligible members can avoid paying the Medicare Levy Surcharge, offering substantial tax savings for high-income earners.
How does AAMI handle the Australian Government Rebate?
AAMI gives members the flexibility to receive their government rebate either as a direct reduction in their premium or at the end of the financial year, depending on their preference.
Does AAMI cover ambulance services?
Yes, AAMI Health Insurance includes full ambulance transport coverage, which is a crucial benefit for emergency medical situations.
Our Overall Assessment
AAMI Health Insurance stands out with its flexibility, user-friendly features, and comprehensive support structures. From seamless switching to 24/7 claim support, it offers valuable benefits like tax savings, rebate flexibility, and extensive ambulance coverage. The addition of special offers and community partnerships further enhances its appeal, making AAMI a solid choice for healthcare needs.
AAMI Health Insurance Gap Cover
AAMI Health Insurance offers gap cover to reduce out-of-pocket expenses by covering the difference between what Medicare pays and the total cost of eligible medical services. This benefit provides peace of mind for members, covering unexpected gaps for in-hospital services, surgeries, and specialist treatments. The gap cover feature ensures automatic claims processing, so members don’t have to manually submit claims for eligible treatments.
AAMI has partnerships with a broad network of private hospitals and specialists, and they emphasize clear communication about potential gap fees, allowing members to make informed decisions. Best of all, this benefit is integrated into the hospital cover, meaning there’s no need to pay a separate premium.
Frequently Asked Questions
What is the AAMI Gap Cover?
AAMI Gap Cover helps reduce out-of-pocket expenses by covering the difference between what Medicare pays and the cost of eligible medical services.
Do I need to manually submit claims for treatments covered by Gap Cover?
No, AAMI automatically processes claims for eligible treatments, so you don’t need to submit them manually.
Which services are covered under AAMI Gap Cover?
AAMI Gap Cover covers unexpected gaps for in-hospital services, surgeries, and specialist treatments.
How does AAMI ensure transparency about gap fees?
AAMI emphasizes clear communication about potential gap fees, allowing you to make informed decisions about your healthcare costs before treatment.
Do I need to pay a separate premium for Gap Cover?
No, Gap Cover is integrated into your hospital cover, so there is no additional premium required.
Our Overall Assessment
AAMI’s Gap Cover is a highly valuable feature, offering comprehensive coverage that minimizes out-of-pocket expenses for medical services. With automatic claims processing, transparent communication, and integration into hospital cover, it provides peace of mind for members without extra costs.
AAMI Health Insurance App Features
The AAMI Health Insurance App makes policy management easy and streamlines essential tasks for members. With the AAMI App, members can easily update their details, manage claims, and receive critical notifications, all within a secure platform.
Key Features of the AAMI App
| 🔎 Feature | 📌 Description |
| 📈 Logging and Tracking Claims | Let members lodge claims quickly by uploading receipts through the app and track status in real-time |
| 📉 AAMI Messaging Feature | Enables asynchronous messaging for users to send inquiries and receive responses at their convenience |
| 📊 Policy Management | Provides options to update personal details, renew policies, and access essential documents on the go |
| 💹 Notifications and Alerts | Sends push notifications for important updates, such as claim status changes and policy renewals |
| 💱 Security Enhancements | Supports secure login options, including fingerprint ID and facial recognition, for a safe and private user experience |
| ⭐ 24/7 Support Access | Offers round-the-clock access to support features, including a virtual assistant and direct links to the claims section |
Frequently Asked Questions
How can I track my claim status?
You can easily track your claim status in real time by uploading receipts through the AAMI app and using the tracking feature.
Can I send inquiries through the AAMI app?
Yes, the AAMI Messaging feature allows you to send inquiries and receive responses at your convenience, offering asynchronous communication.
How can I manage my policy?
The AAMI app provides you with the ability to update your details, renew policies, and access important documents directly on the go.
Will I receive notifications for important updates?
Yes, AAMI sends push notifications for essential updates, such as claim status changes and upcoming policy renewals, ensuring you stay informed.
How secure is the AAMI app?
The AAMI app offers advanced security features, including fingerprint ID and facial recognition, to ensure a safe and private user experience.
Our Overall Assessment
AAMI Health Insurance offers a user-friendly and secure app that streamlines the process of managing your health insurance. With features like easy claim tracking, 24/7 support access, and robust security options, it provides excellent convenience for members. The ability to manage policies and stay updated with notifications ensures you never miss important information.
How to apply for Health Insurance with AAMI Health Insurance
1. Step 1: Visit the AAMI Health Insurance Website
Go to the AAMI Health Insurance website and navigate to the health insurance section.
2. Step 2: Review Available Plans
Explore the various health insurance plans and their key features. Use the online tools to compare premiums and benefits to select the plan that best suits your healthcare needs and budget.
3. Step 3: Provide Personal Information
Enter your name, contact details, and Medicare card number to set up your policy and confirm your eligibility.
4. Step 4: Choose a Payment Method
Select your preferred payment method (direct debit or credit card) and establish your payment schedule. Confirm your payment details to ensure uninterrupted coverage.
5. Step 5: Review Policy Details
Carefully review your policy details and terms before submitting your application to ensure everything is accurate.
6. Step 6: Submit Your Application
Once you’ve reviewed everything, submit your application. You will receive a confirmation email from AAMI with your new policy details and any additional instructions.
How to apply for Gap Cover with AAMI Health Insurance
1. Step 1: Check Your Existing Policy
Before applying, verify if your current policy already includes a gap cover or if you need to add it separately.
2. Step 2: Log In to Your AAMI Account
Access the AAMI portal via their website and log in using your existing policy details.
3. Step 3: Select the Gap Cover Option
Choose the gap cover option that suits your current health insurance plan.
4. Step 4: Update Payment Information
Verify or update your payment information to account for any additional costs associated with adding gap cover to your policy.
5. Step 5: Review Policy Details
Carefully review the updated policy details, including the terms of the gap cover, to ensure accuracy.
6. Step 6: Submit Your Update
Once satisfied with the review, confirm your changes and submit the update to AAMI.
How to Submit a Claim with AAMI Health Insurance
When members can submit claims easily, timely reimbursements and continued access to services are ensured. With AAMI Health Insurance, the claims process is straightforward and includes these steps:
- Gather all itemized receipts from your healthcare provider.
- Ensure that receipts include the provider’s details, the service date, and the services rendered.
- Log into the AAMI App or AAMI’s online portal.
- Upload photos or scanned PDFs of your receipts using the app or the online portal’s claim submission page.
- The images must be clear and include all necessary details for the claim.
- Once submitted, you can monitor the status of your claim through the app or portal.
- AAMI will process and verify the claim based on the provided information.
Members will receive a notification once the claim has been finalized, along with reimbursement details.
How to Downgrade My Plan with AAMI Health Insurance
Downgrading a health insurance plan with AAMI is a strategic choice if your healthcare needs change. The following steps outline how to make adjustments:
- Evaluate your current plan’s features and consider the coverage you need moving forward.
- Remember that downgrading could result in losing certain benefits.
- Log into your AAMI account using the app or online portal to view your current plan and explore alternative options.
- Go to the “Manage My Policy” section.
- Choose the lower-tier plan that aligns with your revised healthcare requirements.
- Compare the new plan’s features to ensure it meets your needs.
- Update your payment details to reflect any changes in premiums.
- Verify that all billing adjustments are correct based on the downgraded plan.
- Review the plan changes to confirm all adjustments.
Submit your request, and a confirmation email will be sent once the downgrade is finalized.
How do I add a Beneficiary to AAMI Health Insurance?
Adding a beneficiary to your AAMI Health Insurance policy ensures coverage extends to your partner or dependents. Here’s a straightforward process to follow:
- Log into the AAMI Health Insurance portal and go to the “Manage Policy” section.
- Within your account, find the option to add a new beneficiary.
- Provide the beneficiary’s name, date of birth, and relationship to you.
- Check the beneficiary information you entered and ensure all details are correct.
- Confirm and submit the changes.
Once the updates are made, you will receive a confirmation email or notification within the app.
How to Submit a Compliment or Complaint with AAMI Health Insurance
Contact AAMI’s customer service team by phone or using the online messaging service.
- For compliments, detail the service or team member who made a positive impact.
- Follow the same procedure if you have a complaint.
- If you’re dissatisfied with the initial response or your issue isn’t resolved, ask to escalate your complaint to the Customer Resolutions Team.
- The Customer Resolutions Team will assign a case manager to handle the concern and provide an impartial review.
If your issue remains unresolved after escalation, you can contact the Private Health Insurance Ombudsman (PHIO) for an independent review.
How to Switch My Health Insurance to AAMI Health Insurance
Switching your health insurance to AAMI can help you maintain coverage without re-serving waiting periods. Here are the steps to follow:
- Before switching, review your current health insurance plan and compare it with AAMI’s available options to find an equivalent or better level of coverage.
- Request a clearance certificate from your current insurer.
- Choose your new policy and apply through AAMI’s website or call center.
- Provide your clearance certificate to ensure that any applicable waiting periods are recognized.
- Once your application is submitted, review the details of your new policy.
Once you’ve switched, you’ll receive a confirmation email from AAMI indicating that your coverage is active.
AAMI Health Insurance Pet Cover
AAMI offers tailored pet insurance policies for dogs and cats to cover vet treatments and emergencies. This insurance addresses common medical conditions and offers coverage levels based on the pet’s needs and age. Here’s an overview of the cover:
| 🔎 Plan | ⭐ Coverage Level | 💶 Excess Options | 🔑 Key Inclusions |
| 🐶 Dog Insurance | Silver Gold Platinum | $500, $250, $0 | Covers specified injuries, illness, consultations, and emergency boarding. Optional coverage for routine care |
| 🐱 Cat Insurance | Bronze Gold Platinum | $500, $250, $0 | Includes accidental injury and illness cover, home visits, consultations, and emergency boarding. Optional routine care |
Unique Features of AAMI Pet Cover
You can choose from different coverage levels based on your pet’s age and health needs, with flexible options for dogs and cats. Moreover:
- Plans offer different coverage for accidental injuries, illnesses, and specific conditions to help manage unexpected vet expenses.
- Offers financial support for emergency boarding costs if you are hospitalized and unable to care for your pet.
- Routine Care Add-On contributes towards routine expenses such as vaccinations, flea treatments, and dental checks.
- Certain plans cover at-home vet consultations for cats.
Members can choose their preferred excess amount ($500, $250, or $0) to manage their out-of-pocket costs per condition annually.
Frequently Asked Questions
What types of pets are covered under AAMI’s Pet Insurance?
AAMI offers pet insurance for both dogs and cats, providing coverage for medical treatments and emergencies based on their age and health needs.
What types of conditions are covered by AAMI Pet Insurance?
AAMI covers a variety of conditions, including accidental injuries, illnesses, and specific health conditions that your pet may experience.
Does AAMI Pet Insurance cover routine care?
Yes, with the Routine Care Add-On, AAMI contributes to routine expenses such as vaccinations, flea treatments, and dental checks.
Can I select my excess amount for claims?
Yes, members can choose their preferred excess amount ($500, $250, or $0) to manage out-of-pocket costs per condition annually.
Does AAMI provide coverage for emergency boarding?
Yes, AAMI offers financial support for emergency boarding costs if you are hospitalized and unable to care for your pet.
Our Overall Assessment
AAMI’s Pet Insurance provides comprehensive coverage for dogs and cats, with flexible options to suit different needs and ages. It includes emergency care, routine care add-ons, and the ability to choose your excess amount, making it a solid choice for pet owners seeking financial support for unexpected vet expenses.
AAMI Health Insurance Travel Insurance
AAMI Health Insurance offers comprehensive travel insurance plans that provide financial protection against unforeseen circumstances.
Key Travel Insurance Benefits
Medical and Additional Expenses offers coverage for emergency medical evacuations and hospital stays. Moreover:
- Baggage and Personal Effects Protection offers reimbursement for lost, stolen, or damaged items during the journey.
- Trip Cancellation or Interruption Compensation offers financial compensation for trips disrupted or canceled due to unforeseen events such as extreme weather, natural disasters, strikes, missed connections, and travel delays.
- Legal Liability Coverage protects members against legal claims arising from accidental injury or property damage caused by the policyholder during their trip.
In addition, Funeral and Repatriation Expenses include financial support for funeral arrangements or repatriation if a member or dependent dies abroad.
Exclusions for AAMI Travel Insurance
| 🔎 Exclusion | 🚨 Details |
| 📈 Pre-existing Medical Conditions | No cover for pre-existing conditions unless specifically mentioned in the policy |
| 📉 Illegal or Reckless Acts | Excludes incidents related to illegal activities, intentional self-harm, or reckless behavior |
| 📊 Unlawful Actions and Extreme Sports | No cover for injuries or incidents related to unlawful activities or high-risk sports |
| 💹 Negligence-Related Losses | Excludes coverage for losses resulting from negligence, such as unattended belongings in public places |
| 💱 Alcohol and Drug-Related Incidents | No coverage for incidents occurring under the influence of alcohol or drugs unless prescribed by a doctor |
| 📌 Professional Sporting Events | Excludes injuries or incidents resulting from participation in professional sports activities |
AAMI Health Insurance Corporate Responsibility
AAMI Health Insurance is focused on corporate responsibility and partners with organizations and initiatives to improve community resilience, safety, and inclusivity. Their long-term efforts focus on supporting volunteer services, enhancing road safety, and promoting inclusivity for people with disabilities.
Key Initiatives of AAMI’s Corporate Responsibility
AAMI has partnered with VICSES for 20+ years, contributing over $9 million for volunteer support and equipment. Moreover:
- Since 2021, AAMI has worked with Driver Reviver to promote road safety with rest stops.
- AAMI collaborates with What Ability to support disability programs led by professional athletes.
- AAMI became the Official Insurance Partner of the NBL in 2024, supporting athletes and engaging fans.
- AAMI sponsors the P.A.R.T.Y Program in South Australia, educating youth on injury prevention and road trauma.
Through its AFL partnership, AAMI donates funds to local clubs for each ‘clanger,’ supporting community projects.
AAMI Health Insurance Regulation
In Australia, private health insurance is regulated by the Australian Prudential Regulation Authority (APRA) and the Australian Competition and Consumer Commission (ACCC). AAMI Health Insurance is issued by Nib Health Funds Limited, which is regulated by APRA.
The regulation is governed by the Private Health Insurance Act 2007, with oversight from APRA and the ACCC. APRA focuses on maintaining financial stability by conducting regular risk assessments and financial stress testing on insurers. The ACCC ensures fair pricing and transparency by reviewing premium adjustments to ensure they meet regulatory standards.
Both APRA and ACCC work to protect members’ interests, enforcing market integrity and shielding them from potential misconduct or financial risks.
Customer Support and Contact Details
AAMI Health Insurance provides comprehensive customer support services through a robust framework.
| 🔎 Support Service | 📌 Details |
| 📈 AAMI Messaging | Let members send inquiries using the app and receive notifications |
| 📉 Phone Support | Available from 8:00 am to 8:30 pm on weekdays and 8 am – 1 pm on Saturdays by contacting 13 22 44 from within Australia |
| 📊 App Support | For technical issues related to the AAMI app, members can email [email protected] or call 1300 226 446 |
| 💹 AAMI Help Centre | Provides an online portal for quick access to common inquiries, claims, and policy details |
| 💱 Extra Help and Support | Special assistance is available for members facing financial hardship, domestic violence, or other vulnerabilities |
AAMI Health Insurance Rebates and Discounts
AAMI Health Insurance provides a structured rebate system to reduce the financial burden on policyholders, aligning with the Australian Government Health Insurance Rebate framework.
| 🔎 Rebate/Discount | 📌 Details |
| 📈 Australian Government Rebate | Rebates vary based on taxable income tiers and age groups. Members under 65 with an income below $97,000 can receive up to a 32.812% rebate on their premium |
| 📉 Starter Extras Plan | Offers 60% back on covered services up to the annual limit. Suitable for those seeking basic coverage |
| 📊 Starter Boost Plan | Provides 60% back on essential services, with flexibility up to the annual limit. Ideal for entry-level coverage needs |
| 💹 Everyday Active Plan | Allows 60% back on services, up to the annual limit, focusing on balanced health cover |
| 💱 Premium Active Plan | Offers 70% back on covered services, providing extensive coverage up to the annual limit for those requiring more comprehensive care |
| 💴 Direct Debit Discounts | AAMI offers a 4% discount for members who pay their premiums via direct debit |
| 💶 Advance Payments Discount | Members can lock in their premium rate by paying up to 13 months in advance, protecting them from any potential rate increases during that period |
Additional Health Services and Products
AAMI Health Insurance offers additional services and products to offer members comprehensive support beyond the standard hospital and extra coverage.
| 🔎 Service/Product | 📌 Description |
| 🚑 Emergency Ambulance Transport | 100% coverage for emergency ambulance transport across all plans; offers immediate support during emergencies |
| 🦷 Orthodontic Services | Comprehensive orthodontic benefits available in select extras plans; supports ongoing dental needs |
| 🩷 Wellness and Lifestyle Programs | Benefits of natural therapies such as acupuncture and remedial massage to promote holistic well-being |
| 📍 Health Aids and Appliances | Reimbursement for essential health aids like hearing aids, orthotics, and other supportive devices; annual limits apply |
| 🤓 Optical Benefits | Coverage for prescription glasses and contact lenses; limits vary depending on the extras plan chosen |
| 💊 Chronic Disease Management | Specialized support and benefits for managing chronic illnesses for long-term health outcomes |
Pros and Cons
| ✅ Pros | ❌ Cons |
| Choose from quality healthcare providers. | No coverage for regular outpatient treatments. |
| Multiple payment options available. | Annual limits on services like dental and physiotherapy. |
| Plans for individuals, couples, and families. | Extended waiting periods for major dental and maternity. |
| Coverage for natural therapies. | Basic mental health support, no extensive psychiatric care. |
| Rebates of 60% to 70% on several plans. | Long waiting periods for pre-existing conditions. |
| Comprehensive emergency ambulance coverage. | No coverage for elective cosmetic surgeries or weight loss. |
In Conclusion
AAMI Health Insurance offers a balanced mix of affordability and coverage, catering to various health needs with flexible plans. While it excels in emergency ambulance and gap cover, its scope is limited to specialized services like advanced surgeries and mental health care. The waiting periods for pre-existing conditions and specific treatments are drawbacks.
However, AAMI’s smooth transition process and 24/7 claims support are notable advantages. Overall, AAMI is a solid choice for budget-conscious members seeking straightforward coverage, but potential users should consider the plan-specific exclusions and limitations.
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Frequently Asked Questions
Does AAMI Health Insurance cover pre-existing conditions?
Yes, but there is a 12-month waiting period for pre-existing conditions. An illness or condition is deemed pre-existing if symptoms start within six months of registering.
What form of hospital coverage does AAMI offer?
AAMI provides basic to comprehensive coverage, each unique plan covering a certain degree of treatment.
Does AAMI provide age-based discounts?
Yes, age-based discounts are available for individuals under 30, with savings of up to 10%, progressively diminishing after age 41.
What happens if I miss a premium payment?
If you skip a payment, your coverage will be temporarily suspended until you make your payments on time.
Does AAMI cover cosmetic procedures?
No, AAMI doesn’t pay hospital or procedure fees for cosmetic operations exclusively for improving your appearance.
