Depending on your age, you may be eligible for an
aged-based discount. This is used to estimate your
rebate.
Under 65
65 - 69
70 or older
What's your household's taxable income?
This is the combined income you and your spouse earn before tax. It's needed to calculate the correct Australian government rebate.
$93,000 and under
$93,001 to $108,000
$108,001 to $144,000
$144,001 and over
What kind of health insurance do you need?
Combined (Extras + Hospitals)
Extras
Hospital
What level of hospital coverage would you like?
You can change this at any time later.
Legend
Covered
Restricted cover, You may be partially covered for
this category.
Not covered. Optional for insurer to include.
*Prices updated March 2024, in line with Finder's
database of health insurance policies. Prices are based
on a single individual with less than $93,000 income and
living in Sydney with a $750 excess.
What extras cover do you need? (Optional)
Select as many as you want or move to the next step
Preventative & general dental
Major dental & implants
Optical
Physiotherapy
Podiatry
Non-PBS pharmaceuticals
Chiropractic
Emergency ambulance
Remedial massage
Email me my results (optional)
To get a copy of your results for later, add your email below
Basic Hospital Plus. This is for young and healthy families on a budget. It covers the basics including emergency ambulance, accidental injury, joint reconstructions, gynaecology, dental surgery, tonsils, adenoids and grommets, gastrointestinal endoscopy, hernia and appendix, miscarriage and termination of pregnancy, hospital psychiatric services, palliative care and rehabilitation.
Bronze Hospital Plus. This plan is for healthy young singles and couples not yet planning a family. It includes everything in the Basic Hospital Plus plan and treatment for cancer, strokes, diabetes, and ear, nose and throat.
Silver Everyday Hospital Plus. This is the ideal mid-level cover for older singles and couples as well as completed families. It includes everything in the Bronze Hospital Plus plan plus heart-related procedures and breast surgery.
Silver Advantage Hospital Plus. This is for singles and couples not planning on starting a family or who already have completed families. It's perfect for those who want peace of mind that they have a high level of insurance without having to pay extra for pregnancy coverage. It includes everything in Silver Everyday as well as cataracts, joint replacements, dialysis for kidney failure and rehabilitation.
Gold Hospital. This is comprehensive cover that includes everything in Silver Advantage Hospital Plus as well as pregnancy and birth-related services, infertility investigations, assisted reproductive services, weight loss surgery and psychiatric treatment.
Extras coverage
Starter Extras. This is budget-friendly cover that lets you claim up to 60% back on commonly used healthcare services including chiropractic/osteopathy, physiotherapy, preventative dental, general dental, ambulance, pharmaceutical prescriptions and optical.
Starter Boost Extras. This lets you claim up to 60% back on a wider range of healthcare services. It includes everything in the Starter Extras plan with higher annual limits plus major dental, natural therapies and remedial massage.
Everyday Active Extras. This lets you claim up to 60% back on a wider range of healthcare services. It includes everything in the Starter Boost Extras plan with higher annual limits plus orthodontics, podiatry/orthotics, dietary advice, top health aids, psychology, speech pathology (speech therapy), occupational therapy, healthier lifestyle expenses and preventative tests.
Premium Active Extras. This lets you claim up to 70% back on the cost of an extensive range of services including everything in the Everyday Active Extras plan with higher annual limits plus antenatal and postnatal services, hearing aids/speech processors, eye therapy (orthoptics) and exercise physiology.
Ambulance coverage
AAMI Health Insurance's hospital and extras policies include Unlimited Emergency Ambulance Cover. Cover includes:
Unlimited emergency ambulance transport to hospital.
Emergency ambulance call-out fees (if you are treated at the scene by paramedics and don't need to go to hospital).
Transport between hospitals where specialist treatment is required.
AAMI Health Insurance complaints
We looked at the 2023 Ombudsman health insurance complaints – AAMI is included with its underwriter, nib. Here's how AAMI/nib stacked up:
AAMI/nib received a higher percentage of total complaints than its market share.
AAMI/nib had proportionally more complaints than several other big health funds, including HBF, Australian Unity and Westfund.
AAMI/nib member retention
The chart below shows the 2020 member retention for each health fund (with a market share of at least 0.5%) according to the Commonwealth Ombudsman. A higher member retention percentage may indicate more satisfied customers, while a lower percentage may mean that customers were less satisfied with their service.
Of the big health funds, AAMI/nib had the second lowest member retention (78%), just ahead of Medibank (75%).
AAMI frequently asked questions
No, AAMI is not not-for-profit. It's a private, for-profit insurance company.
AAMI customers who choose to pay their premiums by direct debit will save 4% on their insurance.
You can claim at any time by filling out an online claim form and uploading a copy of your receipt from your mobile device. You can also call between 8am and 6pm weekdays on 13 22 44.
Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio
Gary Ross's expertise
Gary Ross has written 648 Finder guides across topics including:
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Learn how to get cheap health insurance and what you can expect for your money.
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Finder makes money from featured partners, but editorial opinions are our own.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
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We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Depending on your age, you may be eligible for an
aged-based discount. This is used to estimate your
rebate.
Under 65
65 - 69
70 or older
What's your household's taxable income?
This is the combined income you and your spouse earn before tax. It's needed to calculate the correct Australian government rebate.
$93,000 and under
$93,001 to $108,000
$108,001 to $144,000
$144,001 and over
What kind of health insurance do you need?
Combined (Extras + Hospitals)
Extras
Hospital
What level of hospital coverage would you like?
You can change this at any time later.
Legend
Covered
Restricted cover, You may be partially covered for
this category.
Not covered. Optional for insurer to include.
*Prices updated March 2024, in line with Finder's
database of health insurance policies. Prices are based
on a single individual with less than $93,000 income and
living in Sydney with a $750 excess.
What extras cover do you need? (Optional)
Select as many as you want or move to the next step
Preventative & general dental
Major dental & implants
Optical
Physiotherapy
Podiatry
Non-PBS pharmaceuticals
Chiropractic
Emergency ambulance
Remedial massage
Email me my results (optional)
To get a copy of your results for later, add your email below
