AAMI Health Insurance review

Our verdict: AAMI Health Insurance could be good if you want basic hospital cover or extras that cover pharmaceuticals.

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Pros

  • Its basic hospital policy cover is competitively priced and covers 8 treatments including joint reconstructions, and tonsils, adenoids and grommets.
  • Its basic extras insurance policy comes with pharmaceutical prescriptions cover, unlike many other insurers.

Cons

  • Its gold hospital policy isn't the lowest-priced option – HBF, Medibank and HCF all generally offer slightly cheaper options.
  • AAMI/nib received proportionally more complaints than other big health funds including HBF, Australian Unity and Westfund.

Compare AAMI policies

1 - 10 of 10
Name Product Treatments Price Apply Hide Compare
AAMI Health Insurance logo
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
  • +7 other treatments covered
$97.96
per month
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All treatments
AAMI Health Insurance logo
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +15 other treatments covered
$112.49
per month
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All treatments
AAMI Health Insurance logo
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
  • +7 other treatments covered
$93.00
per month
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All treatments
AAMI Health Insurance logo
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
  • +30 other treatments covered
$304.64
per month
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All treatments
AAMI Health Insurance logo
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +15 other treatments covered
$103.78
per month
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All treatments
AAMI Health Insurance logo
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +26 other treatments covered
$151.84
per month
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All treatments
AAMI Health Insurance logo
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +27 other treatments covered
$238.75
per month
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All treatments
AAMI Health Insurance logo
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +26 other treatments covered
$135.64
per month
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All treatments
AAMI Health Insurance logo
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +27 other treatments covered
$203.94
per month
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All treatments
AAMI Health Insurance logo
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +27 other treatments covered
$192.33
per month
Go to Site
All treatments
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Name Product Treatments Price Apply Hide Compare
AAMI Health Insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +6 other treatments covered
$110.26
per month
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All treatments
AAMI Health Insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +3 other treatments covered
$38.69
per month
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All treatments
AAMI Health Insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +6 other treatments covered
$76.81
per month
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All treatments
AAMI Health Insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +1 other treatments covered
$25.93
per month
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All treatments
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1 - 10 of 20
Name Product Treatments Price Apply Hide Compare
AAMI Health Insurance logo
Hospital
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • +34 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +6 other treatments covered
$343.33
per month
Go to Site
All treatments
AAMI Health Insurance logo
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • +30 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +6 other treatments covered
$231.02
per month
Go to Site
All treatments
AAMI Health Insurance logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • +4 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +10 other treatments covered
$169.81
per month
Go to Site
All treatments
AAMI Health Insurance logo
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • +30 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +3 other treatments covered
$218.27
per month
Go to Site
All treatments
AAMI Health Insurance logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +19 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +10 other treatments covered
$214.05
per month
Go to Site
All treatments
AAMI Health Insurance logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • +4 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +6 other treatments covered
$131.69
per month
Go to Site
All treatments
AAMI Health Insurance logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +19 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +6 other treatments covered
$142.48
per month
Go to Site
All treatments
AAMI Health Insurance logo
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • +29 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +10 other treatments covered
$212.45
per month
Go to Site
All treatments
AAMI Health Insurance logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +19 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +10 other treatments covered
$180.59
per month
Go to Site
All treatments
AAMI Health Insurance logo
Hospital
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • +34 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +10 other treatments covered
$381.45
per month
Go to Site
All treatments
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AAMI Health Insurance: Our verdict

AAMI Health Insurance is underwritten by nib, one of Australia's largest health funds. It offers 5 hospital options and 4 extras cover policies.

AAMI is good if:

  • You want a basic hospital policy.
  • You're after a basic extras policy that covers pharmaceuticals.

AAMI is not great if:

  • You want a health insurance provider that underwrites its own policies.
  • You prefer not-for-profit health funds.

Review by our insurance and innovations editor Gary Ross Hunter.

What do Australians think of AAMI health insurance?

  • 3.96/5 overall for Customer Satisfaction - lower than the average of 4.13
  • 3.99/5 for Trust - lower than the average of 4.46
  • 4.07/5 for Customer Service - lower than the average of 4.17

Based on AAMI health insurance scores in Finder's 2024 Customer Satisfaction Awards.

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

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Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise
Gary Ross has written 611 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living

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