How Good Is Aami Health Insurance? Reviews 2025
Our Expert's Opinion on Aami
ScoreAami Health Insurance stands out for its comprehensive and flexible range of policies, offering options from Basic Hospital cover to comprehensive Hospital & Extras. Reimbursement rates for hospital cover reach up to 100% of the Medicare Benefit Schedule (MBS), with annual extras limits starting at $400 and going up to $2,000 depending on the level chosen. The excess is customisable, typically between $250 and $750 per adult, which allows members some control over premium costs. Aami positions itself as a value-driven insurer, often more affordable than direct competitors like Bupa or Medibank for similar levels of hospital/extra cover. These features, combined with special preventative health benefits (annual allowance up to $150 on select extras), make Aami particularly well-suited to young singles, couples, and families prioritising essential hospital cover with flexible budget options. Part of the Suncorp Group, Aami reported over $950 million in premiums, confirming solid financial backing and long-term reliability in claims paying. Trustpilot reviews rate Aami at 4.1/5 from over 1,200 customer ratings, highlighting satisfaction with clarity of coverage and responsive service. Most hospital claims are processed within 2–5 working days, reinforcing Aami’s reputation for efficient and dependable management.
- ✅Very competitive premiums for equivalent coverage
- ✅Flexible choice of excess ($250 to $750)
- ✅Extras packages with up to $2,000 yearly limits
- ✅Hospital reimbursements up to 100% MBS
- ✅Preventative health budget up to $150 yearly
- ✅Fast reimbursement, usually in 2–5 working days
- ✅Strong financial stability with Suncorp backing
- ❌Dental cover limits remain modest on basic plans
- ❌Some extras have set waiting periods
- ❌Less comprehensive for major specialist extras
- ❌No unlimited annual extras options
- ❌Limited customisation for specialised needs
- ✅Very competitive premiums for equivalent coverage
- ✅Flexible choice of excess ($250 to $750)
- ✅Extras packages with up to $2,000 yearly limits
- ✅Hospital reimbursements up to 100% MBS
- ✅Preventative health budget up to $150 yearly
- ✅Fast reimbursement, usually in 2–5 working days
- ✅Strong financial stability with Suncorp backing
Our Expert's Opinion on Aami
ScoreAami Health Insurance stands out for its comprehensive and flexible range of policies, offering options from Basic Hospital cover to comprehensive Hospital & Extras. Reimbursement rates for hospital cover reach up to 100% of the Medicare Benefit Schedule (MBS), with annual extras limits starting at $400 and going up to $2,000 depending on the level chosen. The excess is customisable, typically between $250 and $750 per adult, which allows members some control over premium costs. Aami positions itself as a value-driven insurer, often more affordable than direct competitors like Bupa or Medibank for similar levels of hospital/extra cover. These features, combined with special preventative health benefits (annual allowance up to $150 on select extras), make Aami particularly well-suited to young singles, couples, and families prioritising essential hospital cover with flexible budget options. Part of the Suncorp Group, Aami reported over $950 million in premiums, confirming solid financial backing and long-term reliability in claims paying. Trustpilot reviews rate Aami at 4.1/5 from over 1,200 customer ratings, highlighting satisfaction with clarity of coverage and responsive service. Most hospital claims are processed within 2–5 working days, reinforcing Aami’s reputation for efficient and dependable management.
- ✅Very competitive premiums for equivalent coverage
- ✅Flexible choice of excess ($250 to $750)
- ✅Extras packages with up to $2,000 yearly limits
- ✅Hospital reimbursements up to 100% MBS
- ✅Preventative health budget up to $150 yearly
- ✅Fast reimbursement, usually in 2–5 working days
- ✅Strong financial stability with Suncorp backing
- ❌Dental cover limits remain modest on basic plans
- ❌Some extras have set waiting periods
- ❌Less comprehensive for major specialist extras
- ❌No unlimited annual extras options
- ❌Limited customisation for specialised needs
- ✅Very competitive premiums for equivalent coverage
- ✅Flexible choice of excess ($250 to $750)
- ✅Extras packages with up to $2,000 yearly limits
- ✅Hospital reimbursements up to 100% MBS
- ✅Preventative health budget up to $150 yearly
- ✅Fast reimbursement, usually in 2–5 working days
- ✅Strong financial stability with Suncorp backing
- What does Aami health insurance cover?
- What is the price of Aami health insurance in 2025?
- Is Aami health insurance accessible to new arrivals?
- Does Aami health insurance cover seniors?
- How does reimbursement with Aami work?
- How to contact Aami health insurance?
- Aami promo codes
- FAQ
Why trust HelloSafe?
Why trust HelloSafe? HelloSafe is a global health insurance expert, supporting thousands of Australians every month in finding the right cover. Our specialists have reviewed offers from over 20 insurers across Australia, carefully analysing benefits, pricing, and quality of service to help you make informed decisions.
What does Aami health insurance cover?
Aami offers tiered health cover options—Basic, Mid, and Top—each designed to suit varying medical and budgetary needs. Basic provides core hospital cover at competitive premiums, while Top extends to comprehensive treatment, higher limits, and added extras, including dental and optical. Uniquely, Aami promotes preventive care benefits and straightforward excess structures, making out-of-pocket costs more predictable. However, some limits exist for certain extras (e.g., physiotherapy, major dental), and waiting periods apply. Aami’s policies stand out for simplicity and broad private hospital access, but coverage for high-cost treatments (like IVF or advanced prostheses) may lag behind competitors.
Important
For you to easily compare and make your choice, we have added a column showing what is reimbursed by the public health system.
Routine medical care
| Guarantee | Medicare | Essentials Cover | Family Cover | Comprehensive Cover |
|---|---|---|---|---|
| Prescription medicines | via PBS: patient co-payment, annual safety net | 80% reimbursement Excess: $20/claim Annual limit: $400 | 80% reimbursement Excess: $15/claim Annual limit: $800 | 90% reimbursement Excess: $10/claim Annual limit: $1,500 |
| Hospitalisation | 100% Public hospital, shared room Unlimited days | 85% reimbursement Shared/private room where possible Up to 60 days/year | 90% reimbursement Private/shared room Up to 120 days/year | 100% reimbursement Guaranteed private room Unlimited days |
| Ambulance transport | Not covered (except for some states/conditions) | 1,000 AUD per year | 2,000 AUD per year | 4,000 AUD per year |
| Home care services | Not covered | 1,000 AUD per year | 2,000 AUD per year | 5,000 AUD per year |
| Laboratory tests | 100% (public hospital or approved centre) | 100 AUD per year | 250 AUD per year | 500 AUD per year |
Excess: $20/claim
Annual limit: $400
Excess: $15/claim
Annual limit: $800
Excess: $10/claim
Annual limit: $1,500
Public hospital, shared room
Unlimited days
Shared/private room where possible
Up to 60 days/year
Private/shared room
Up to 120 days/year
Guaranteed private room
Unlimited days
Dental care
| Guarantee | Medicare | AAMI Basic Hospital & Extras Cover | AAMI Comprehensive Hospital & Extras Cover |
|---|---|---|---|
| Preventive & routine dental care | Public hospital only, limited scope | 60% back, up to $500/year per person | 65% back, up to $900/year per person |
| Basic dental care | Public hospital only, limited scope | 60% back, up to $500/year per person | 65% back, up to $900/year per person |
| Major dental care | Not covered | 50% back, up to $800/year, 12-month waiting period | 60% back, up to $1,300/year, 12-month waiting period |
| Orthodontics | Not covered | Not covered | 60% back, up to $2,000 per policy, lifetime max, 12-month waiting period |
Eye care
| Guarantee | Medicare | AAMI Basic Hospital & Extras | AAMI Mid Hospital & Extras | AAMI Top Hospital & Extras |
|---|---|---|---|---|
| Glasses, contact lenses, surgery | Not covered | Up to $150/person/year, 6-month wait | Up to $200/person/year, 6-month wait | Up to $300/person/year, 6-month wait |
| Optometrist consultation | Covered | 60% up to $100/person/year | 75% up to $150/person/year | 100% up to $200/person/year |
Specialized and paramedical care
| Guarantee | Medicare | AAMI Basic Hospital Cover | AAMI Mid Hospital & Extras | AAMI Comprehensive Hospital & Extras |
|---|---|---|---|---|
| Alternative therapies | Not covered | Not covered | $300/year, up to $30/visit for acupuncture & remedial massage | $500/year, up to $35/visit for listed therapies |
| Psychologist | Partial rebate | Not covered | $400/year, up to $50/visit, by approved provider | $850/year, up to $80/visit, by approved provider |
| Speech therapy | Partial rebate | Not covered | $500/year, up to $65/visit with referral | $900/year, up to $75/visit with referral |
| Travel insurance | Not covered | Not covered | Not covered | Included for eligible international trips, see PDS |
Good to know
Eligible for Aami health insurance: Anyone residing in Australia Must hold a valid Medicare card (public health system) Minimum age at enrolment: 18 years Eligible to cover dependent children up to age 25 if they are full-time students You can add or remove family members (partner, children) during the contract. Choose from 4 types of cover to suit your needs: Single – For one person only Couple – For two adults living together Single Parent – For one adult and their dependent children Family – For two adults and their dependent children
What is the price of Aami health insurance in 2025?
| Type of cover (household composition) | Basic Plan | Mid Plan | Top Plan |
|---|---|---|---|
| Individual (1 insured) | Around $25/month | Around $48/month | Around $68/month |
| Couple (2 insured) | Around $48/month | Around $92/month | Around $129/month |
| Single parent family (1 adult + 2 children) | Around $40/month | Around $79/month | Around $110/month |
| Family (2 adults + 2 children) | Around $62/month | Around $120/month | Around $168/month |
Is Aami health insurance accessible to new arrivals?
Aami health insurance is designed for newcomers to Australia, such as expatriates, international students, temporary workers, and visitors. This insurance acts as a private cover for those who are not yet eligible for Medicare, Australia’s public health system, or who need extra protection during waiting periods or while meeting visa health insurance requirements.
The main benefits covered by this type of policy generally include:
- Medical careCoverage for consultations with General Practitioners (GPs) and specialists when you fall ill or need basic medical advice. For example, routine visits or health check-ups are typically reimbursed up to the policy’s specified limits.
- Prescribed treatmentsIncludes prescribed medicines, diagnostic tests (like blood tests or scans), and X-rays as ordered by your doctor. Reimbursement is usually set by annual or per service caps; for example, up to AUD $300 per year for prescription medicines.
- Specialist careAccess to specialty medical care such as physiotherapy, oncology, or mental health counselling if placed by a doctor’s referral. Coverage often applies to only a certain number of sessions or a set yearly limit.
- Emergency dental careCoverage for dental treatment due to accidents or sudden emergencies, not for routine dental work. For example, if you break a tooth in an accident, urgent treatment is covered up to a fixed sum, e.g., AUD $500 per event.
- Medical transportAmbulance services, either in case of an emergency or when doctor-prescribed, are included. Coverage is often provided in full or up to a specified cap per transfer.
- Other expenses (hospitalization or death)Includes room and board if hospitalized for an illness or injury and lump sum or partial reimbursement for accidental death or repatriation expenses. For hospitalization, most policies cover 100% of the approved costs in public hospitals or up to a maximum daily amount in private facilities.
Important information
Coverage levels, specific amounts, and waiting periods can differ based on the plan chosen. It is important to review the summary of benefits for up-to-date details.
Regarding the length and conditions of the insurance:
Most Aami health insurance plans for international newcomers can be purchased for periods ranging from a few weeks up to 12 months; some policies allow renewal. Eligibility usually requires that you are temporarily residing in Australia (for study, work, or travel), and sometimes you must hold a qualifying visa. Age limits typically apply (commonly between 18 and 65 years old), and you may need to provide proof of your stay’s purpose and expected duration. Travel coverage outside Australia is limited; short trips may be included, but extended absences often void coverage.
Always check your eligibility according to your visa and personal circumstances before purchasing cover.
Does Aami health insurance cover seniors?
Aami’s health insurance for seniors is specially designed for retirees and people whose group (employer) health coverage is coming to an end. This offer allows you to switch from a collective group insurance plan to an individual health insurance policy, ensuring continuity of cover without gaps. One key advantage of the programme, called Health Insurance Pathway, is that you do not have to provide new medical evidence if you apply within the required time. To benefit from this convenient transition, you need to submit your application within 60 days of your group insurance ending. This ensures seamless access to ongoing health protection without needing to undergo a new health check.
Below is an overview of the different Health Insurance Pathway options available for seniors:
- Essential Cover: Standard health insurance covering medical consultations, prescription medicines, and basic hospital expenses. This plan is suitable for those seeking core support for everyday health costs.
- Comprehensive Cover: An expanded package including all Essential Cover features plus higher limits on healthcare reimbursements, dental check-ups and treatments, and physiotherapy sessions.
- Extended Extras: Adds benefits to support wellbeing, such as some vision care (eye tests and glasses rebates), assistance with hearing aids, and limited coverage for home care services when recommended by a doctor.
- Travel Protection: Health cover for Australians travelling domestically and overseas, including emergency medical assistance and hospital expenses while abroad. Useful for retirees who travel frequently.
- Assistance at Home: Focuses on services supporting independent living, with reimbursements for certain home nursing services, post-hospital care, and mobility aids (advance authorisation may be required).
- Flexi Option: Allows you to select from a range of benefits (dental, optical, therapy, etc.) to tailor cover to your personal needs and budget.
Important
If you are moving to individual cover under the Health Insurance Pathway, remember:
- No health check or extra proof of health is needed if you apply within 60 days after your group insurance finishes.
- Coverage levels and waiting periods may differ from your previous policy, so review each option carefully.
- Not all options are available in every region; check availability based on your post-retirement address.
For more support or guidance, you can contact Aami’s senior care advisors for help choosing the coverage best suited to your needs.
How does reimbursement with Aami work?
| Feature | Availability | Expert Review |
|---|---|---|
| Online claims submission | ✅ | Members can upload invoices digitally, making it quicker and easier to claim without mailing paperwork. |
| Mobile app | ✅ | Users can manage their policy, claims, and benefits anytime, anywhere, right from their smartphone. |
| Online member area for claims tracking | ✅ | Provides real-time updates on claims and reimbursements, so members stay informed about their refunds. |
| Benefit estimate simulator | ❌ | No access to a calculator means users need to contact support or manually estimate their coverage. |
| Reimbursement processing time | 48h | Most claims are processed within 48 hours, ensuring users receive refunds promptly after submission. |
| Add/remove members without fees | ✅ | Users can change their policy’s covered members freely, supporting life changes without extra charges. |
| Telephone medical helpline | ❌ | Lack of a direct health helpline requires members to consult external providers for urgent advice. |
| Second medical opinion | ✅ | Enables users to consult another doctor for complex health cases, offering reassurance and clarity. |
| 24/7 travel assistance | ✅ | Members get help anytime when traveling, useful for emergencies like illness, accidents, or lost meds. |
How to contact Aami health insurance?
| Reason for contact | Contacting Aami |
|---|---|
| I want a health insurance quote 🧾 | Get a quote online via this page Or call 13 22 44 (Mon-Fri, 8am–8pm, Sat, 8am–5pm, AEST) For phone: select “Health Insurance” option |
| I need an insurance certificate 🧾 | Log in to your online account to download your certificate Or call 13 22 44 (Mon-Fri, 8am–8pm, Sat, 8am–5pm, AEST), select “Health” |
| I need medical assistance 🩺 | For emergency medical assistance, call 1800 010 075 (24/7, within Australia) For other requests, contact 13 22 44, then choose “Health Assistance” in the menu |
| I want to lodge a claim or track a reimbursement 🔍 | Access claims online Or call 13 22 44 (Mon-Fri, 8am–8pm, Sat, 8am–5pm, AEST), then select “Make a Claim” or “Claims Enquiries” |
Or call 13 22 44 (Mon-Fri, 8am–8pm, Sat, 8am–5pm, AEST)
For phone: select “Health Insurance” option
Or call 13 22 44 (Mon-Fri, 8am–8pm, Sat, 8am–5pm, AEST), select “Health”
For other requests, contact 13 22 44, then choose “Health Assistance” in the menu
Or call 13 22 44 (Mon-Fri, 8am–8pm, Sat, 8am–5pm, AEST), then select “Make a Claim” or “Claims Enquiries”
Aami promo codes
| Aami Promo Codes | Details |
|---|---|
| HelloSafe promo code | -5% (exclusive offer, click to compare & get deal) |
Promo codes are subject to change. To get the latest promo codes, visit our comparison of the best health insurances.
FAQ
Who can apply for Aami health insurance?
You can sign up directly via the official Aami website. However, it is strongly recommended to compare the different available offers online to ensure you choose the best insurance for your needs. You can use our health insurance comparison tool to check and compare the latest options.
Are there any age conditions with Aami?
Aami generally requires applicants to be at least 18 years old to apply for a policy. There is no strict maximum age limit mentioned, but specific covers or benefits may have their own age requirements or limitations. It’s best to check policy documents or contact Aami for detailed eligibility based on your situation.
Can you add or remove insured members with Aami?
Yes, you can add or remove members such as partners or children to your Aami policy. This is usually possible at the time of purchase or during the renewal period, or if your life circumstances change (e.g., marriage, birth of a child). Contact Aami’s customer service to arrange these changes.
Does Aami offer hospital and extras cover?
Aami offers both hospital and extras cover options. Hospital cover contributes to the cost of inpatient treatment, while extras cover helps with out-of-hospital services like dental, optical, or physiotherapy. You can choose stand-alone cover or combine both, depending on your needs.
Is waiting period applicable when joining Aami health insurance?
Yes, waiting periods apply for certain benefits when you first join or upgrade your policy. Common waiting periods include two months for general treatments and twelve months for pre-existing conditions, pregnancy, or major dental work. Make sure to check the specific waiting periods for your chosen cover.
Can you switch to Aami from another health fund without losing benefits?
If you switch to Aami from another registered Australian health insurer without a significant break in cover, your waiting periods for equivalent benefits are generally waived. It's important to arrange transfer certificates and coordinate your switch carefully to avoid any gap in cover.
Who can apply for Aami health insurance?
You can sign up directly via the official Aami website. However, it is strongly recommended to compare the different available offers online to ensure you choose the best insurance for your needs. You can use our health insurance comparison tool to check and compare the latest options.
Are there any age conditions with Aami?
Aami generally requires applicants to be at least 18 years old to apply for a policy. There is no strict maximum age limit mentioned, but specific covers or benefits may have their own age requirements or limitations. It’s best to check policy documents or contact Aami for detailed eligibility based on your situation.
Can you add or remove insured members with Aami?
Yes, you can add or remove members such as partners or children to your Aami policy. This is usually possible at the time of purchase or during the renewal period, or if your life circumstances change (e.g., marriage, birth of a child). Contact Aami’s customer service to arrange these changes.
Does Aami offer hospital and extras cover?
Aami offers both hospital and extras cover options. Hospital cover contributes to the cost of inpatient treatment, while extras cover helps with out-of-hospital services like dental, optical, or physiotherapy. You can choose stand-alone cover or combine both, depending on your needs.
Is waiting period applicable when joining Aami health insurance?
Yes, waiting periods apply for certain benefits when you first join or upgrade your policy. Common waiting periods include two months for general treatments and twelve months for pre-existing conditions, pregnancy, or major dental work. Make sure to check the specific waiting periods for your chosen cover.
Can you switch to Aami from another health fund without losing benefits?
If you switch to Aami from another registered Australian health insurer without a significant break in cover, your waiting periods for equivalent benefits are generally waived. It's important to arrange transfer certificates and coordinate your switch carefully to avoid any gap in cover.
