Is AAMI a not-for-profit health fund?

No, AAMI is not not-for-profit. It's a private, for-profit insurance company.

What member offers does AAMI offer?

AAMI customers who choose to pay their premiums by direct debit will save 4% on their insurance.

How do I make a claim with AAMI Health 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.

AAMI Health Insurance Review

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AAMI may suit those seeking competitively priced basic hospital cover, or extras policies that include pharmaceutical benefits.
Customer satisfaction and complaint data suggest AAMI/nib often ranks lower than many other major health funds.
You can save 4% on premiums by setting up direct debit payments for your AAMI health insurance.

Pros

Its basic hospital policy cover is competitively priced and covers 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

10 of 10 results

Treatments	Price
AAMI Health Insurance - AAMI Basic Hospital Plus $500 Excess Basic$500 excess	Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Eye excluding cataracts Pain management Gynaecology Lung and chest +3 other treatments covered	$23.49 per week	View details Compare product selectionCompare	loading
AAMI Health Insurance - AAMI Bronze Hospital $500 Excess Bronze$500 excess	Joint reconstructions Ear nose and throat Blood Back neck and spine Dental surgery Eye excluding cataracts Cancer Lung and chest +15 other treatments covered	$28.08 per week	View details Compare product selectionCompare	loading
AAMI Health Insurance - AAMI Basic Hospital Plus $750 Excess Basic$750 excess	Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Eye excluding cataracts Pain management Gynaecology Lung and chest +3 other treatments covered	$22.53 per week	View details Compare product selectionCompare	loading
AAMI Health Insurance - AAMI Gold Hospital $750 Excess Gold$750 excess	Cataracts Joint replacements Palliative care Pregnancy and birth Sleep studies Weight loss surgery Rehabilitation Insulin pumps +30 other treatments covered	$81.15 per week	View details Compare product selectionCompare	loading
AAMI Health Insurance - AAMI Bronze Hospital $750 Excess Bronze$750 excess	Joint reconstructions Ear nose and throat Blood Back neck and spine Dental surgery Eye excluding cataracts Cancer Lung and chest +15 other treatments covered	$25.70 per week	View details Compare product selectionCompare	loading
AAMI Health Insurance - AAMI Silver Everyday Hospital Plus $500 Excess Silver$500 excess	Lung and chest Back neck and spine Cataracts Joint replacements Blood Dental surgery Palliative care Pregnancy and birth +26 other treatments covered	$37.07 per week	View details Compare product selectionCompare	loading
AAMI Health Insurance - AAMI Silver Advantage Hospital Plus $250 Excess Silver$250 excess	Lung and chest Back neck and spine Cataracts Joint replacements Blood Dental surgery Palliative care Pregnancy and birth +27 other treatments covered	$58.56 per week	View details Compare product selectionCompare	loading
AAMI Health Insurance - AAMI Silver Everyday Hospital Plus $750 Excess Silver$750 excess	Lung and chest Back neck and spine Cataracts Joint replacements Blood Dental surgery Palliative care Pregnancy and birth +26 other treatments covered	$32.51 per week	View details Compare product selectionCompare	loading
AAMI Health Insurance - AAMI Silver Advantage Hospital Plus $500 Excess Silver$500 excess	Lung and chest Back neck and spine Cataracts Joint replacements Blood Dental surgery Palliative care Pregnancy and birth +27 other treatments covered	$50.45 per week	View details Compare product selectionCompare	loading
AAMI Health Insurance - AAMI Silver Advantage Hospital Plus $750 Excess Silver$750 excess	Lung and chest Back neck and spine Cataracts Joint replacements Blood Dental surgery Palliative care Pregnancy and birth +27 other treatments covered	$46.43 per week	View details Compare product selectionCompare	loading

Showing 10 of 10 results

4 of 4 results

Treatments	Price
AAMI Health Insurance - AAMI Premium Active Extras Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +6 other treatments covered	$26.15 per week	View details Compare product selectionCompare	loading
AAMI Health Insurance - AAMI Starter Boost Extras Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +3 other treatments covered	$9.31 per week	View details Compare product selectionCompare	loading
AAMI Health Insurance - AAMI Everyday Active Extras Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +6 other treatments covered	$18.23 per week	View details Compare product selectionCompare	loading
AAMI Health Insurance - AAMI Starter Extras Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +1 other treatments covered	$6.14 per week	View details Compare product selectionCompare	loading

Showing 4 of 4 results

10 of 20 results

Treatments	Price
AAMI Health Insurance - AAMI Gold Hospital $750 Excess + AAMI Starter Boost Extras Gold$750 excess	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	$90.46 per week	View details Compare product selectionCompare	loading
AAMI Health Insurance - AAMI Silver Advantage Hospital Plus $750 Excess + AAMI Starter Boost Extras Silver$750 excess	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	$55.74 per week	View details Compare product selectionCompare	loading
AAMI Health Insurance - AAMI Basic Hospital Plus $750 Excess + AAMI Everyday Active Extras Basic$750 excess	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	$40.75 per week	View details Compare product selectionCompare	loading
AAMI Health Insurance - AAMI Silver Advantage Hospital Plus $750 Excess + AAMI Starter Extras Silver$750 excess	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	$52.57 per week	View details Compare product selectionCompare	loading
AAMI Health Insurance - AAMI Bronze Hospital $750 Excess + AAMI Premium Active Extras Bronze$750 excess	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	$51.85 per week	View details Compare product selectionCompare	loading
AAMI Health Insurance - AAMI Basic Hospital Plus $750 Excess + AAMI Starter Boost Extras Basic$750 excess	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	$31.84 per week	View details Compare product selectionCompare	loading
AAMI Health Insurance - AAMI Bronze Hospital $750 Excess + AAMI Starter Boost Extras Bronze$750 excess	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	$35.01 per week	View details Compare product selectionCompare	loading
AAMI Health Insurance - AAMI Silver Everyday Hospital Plus $750 Excess + AAMI Everyday Active Extras Silver$750 excess	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	$50.74 per week	View details Compare product selectionCompare	loading
AAMI Health Insurance - AAMI Bronze Hospital $750 Excess + AAMI Everyday Active Extras Bronze$750 excess	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	$43.92 per week	View details Compare product selectionCompare	loading
AAMI Health Insurance - AAMI Gold Hospital $750 Excess + AAMI Everyday Active Extras Gold$750 excess	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	$99.38 per week	View details Compare product selectionCompare	loading

Showing 10 of 20 results

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.}

AAMI Health Insurance complaints

AAMI health insurance is underwritten by nib, so the Ombudsman reports its complaints under nib. Here's how nib stacked up in the 2024–25 State of the Health Funds report:

nib received 9.6% of all complaints, just under its 9.8% share of the market.
That gives it a market-share-to-complaint ratio of 98%, so it drew about as many complaints as its size would suggest.

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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Sources

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Written by

Gary Ross Hunter

Journalist

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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 521 Finder guides across topics including:

Health, home, life, car, pet and travel insurance
Managing the cost of living

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AAMI Health Insurance review

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

Key takeaways

Pros