For cataracts or joint replacements
Start by examining Silver Advantage and Gold. Silver Everyday does not cover these categories. The two Silver Plus labels do not mean identical cover.
AAMI health insurance
Is it a good health insurer?
AAMI has 5 hospital and 4 extras policies in our comparison, from $101.72 a month for hospital cover (Single · NSW · $500 hospital excess, after rebate).
Issued by nib Health Funds Ltd. Hospital, extras or both.
Explore 5 hospital and 4 extras products, or find cover by treatment. Sources for AAMI
Reviewed, Edited and Designed by
Grace Connolly
Created with AI assistance
Page updated 26 October 2026 · Prices effective 17 September 2026
I need cover for…
AAMI cover: the main choices.
Compare hospital inclusions
For everyday extras
Starter Boost adds major dental to Starter's range. Moving to Everyday Active adds services such as psychology, but does not increase the single-policy optical limit above Starter Boost's $200.
Compare the cover, not just the premium
The selected Silver Everyday alternatives differ on insulin pumps, pain management with a device and rehabilitation. See what changes before choosing a lower premium.
AAMI policies and example prices.
The profile you choose updates the AAMI price tables, hospital shortlist and alternative-policy comparison below.
Single · NSW · $500 hospital excess · example premiums after rebate.
Monthly examples include the 24.118% government rebate, the maximum for adults under 65. Your rebate and final quote may differ.
Need an AAMI price for your circumstances? Compare AAMI with cover across all Australian health funds.
Compare my optionsHospital cover
5 product lines
$57.95 more per month for Silver Advantage versus Silver Everyday after rebate for the selected example profile.
Cataracts and joint replacements are two additional inclusions, not the complete list of differences.
Extras cover
4 product lines
Also considering nib?
Related insurer
AAMI and nib-branded health cover share an issuer, but their policy benefits, prices and joining offers can differ.
A nib-branded policy is not an AAMI policy. Check the exact product and terms before joining.
Explore nib-branded coverWhat does AAMI hospital insurance cover?
2 AAMI hospital policies fully cover cataracts
Single · NSW · $500 hospital excess. Only policies that fully include cataracts are shown. How we read hospital categories
Compare selected treatment categories across all 5 hospital policies
Selected AAMI treatment categories.
More premium does not mean more back on everything.
AAMI extras limits per 12 months unless the statement says otherwise
Single-policy examples. Each links to its policy statement.
Starter Boost → Everyday Active
Both single-policy examples have a $200 optical limit and a $350 physiotherapy limit. But Boost shares physio with chiropractic and osteopathy; Everyday Active separates its physio limit and adds psychology.The reason to upgrade is the wider benefits you need, not an assumption that every cap rises.
Premium Active's higher benefit examples
The optical/physio examples move from 60% to 70%, with a $250 optical limit and $500 physio limit for the Single-policy example.Weigh those increases against the premium.
Why AAMI's shared limits and waiting periods matter
The selected optical examples have a six-month waiting period.
AAMI vs. Bupa vs. HCF
How AAMI compares with similar hospital policies.
These are selected Silver Plus examples from Bupa and HCF, not identical policies or a search for the cheapest cover across the market.
Comparing AAMI Silver Everyday Hospital Plus with Bupa Silver Plus Classic Hospital and HCF Hospital Standard Silver Plus. Single · NSW · $500 hospital excess · Silver Plus hospital cover
AAMI and selected alternatives: monthly prices and verified coverage differences.
What the differences mean for you
Both alternatives have lower example premiums for this profile. That does not make their cover identical. A lower premium can come with different treatment benefits. Check whether these differences matter for the cover you need.
Rehabilitation: included with AAMI and HCF; restricted with Bupa.
Insulin pumps: included with AAMI; not included with Bupa and HCF.
Pain management with a device: included with AAMI; not included with Bupa and HCF.
These alternatives match AAMI Silver Everyday Hospital Plus on tier, cataracts and joint replacements. How we choose alternatives
Compare all 38 hospital treatment categories
AAMI and the alternatives: all 38 treatment categories, policy information as at 26 October 2026.
Compare AAMI with cover from every Australian health fund.
AAMI against the industry.
These figures describe nib Health Funds Ltd, which issues AAMI health cover, not AAMI customers alone.
nib members had no gap on 88.8% of in-hospital medical services in the 2024-25 financial year, against 87.1% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
nib paid 58% of members' extras (general treatment) charges in the 2024-25 financial year, against 50.7% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
nib increased premiums by an average of 5.47% in 2026, against 4.41% across the industry. Government premium-increase figures · accessed 23 October 2026
ProductReview
1.8 / 5
801 ProductReview reviews
Voluntary customer reviews · nib
Snapshot: 26 October 2026. This is nib's listing, not an AAMI-only rating or a representative survey.
Complaint share is close to market share
Share of all complaints, 2024-259.6%
Market share, 30 June 20259.8%
0%12%
State of the Health Funds Report 2024-25 · checked 26 October 2026
nib's share of complaints the Ombudsman received in 2024-25 is close to its market share at 30 June 2025.
Latest quarter, January to March 2026. The Ombudsman referred 70 complaints about nib Health Funds Ltd to it to resolve, 10.5% of those it referred about all insurers. It also investigated 1 complaint about nib Health Funds Ltd, 33.3% of those it investigated about all insurers. Ombudsman Quarterly Update · checked 26 October 2026
Check the practical details.
Check your provider
Confirm that AAMI recognises your provider. Ask for a treatment plan and item numbers so AAMI can estimate your benefits and out-of-pocket costs.
Make or track a claim
Use AAMI's health claims guidance and member login for receipts, claim tracking and remaining benefits.
Contact AAMI Health
For quotes, sales and customer service, call 13 22 44. Monday to Friday, 8am to 6pm AEST/AEDT. Closed weekends and public holidays.Contact details checked 22 October 2026.Official contact details and messaging options
Before you choose AAMI.
Who provides AAMI health insurance?
AAMI health insurance is issued by nib Health Funds Ltd. An AAMI policy is not necessarily identical to a policy sold under another nib brand, so compare the actual policy terms and price.
Source: Government insurer profile, checked 23 October 2026.
Can I combine AAMI hospital and extras?
Yes, AAMI offers hospital, extras and the option of combining them. The separate tables on this page do not calculate a combined quote or account for any offer.
Source: Official AAMI information, checked 26 October 2026.
Does AAMI health insurance include ambulance cover?
AAMI says its hospital and extras covers include unlimited emergency ambulance cover, with a one-day waiting period. This includes eligible emergency transport by a state or territory ambulance service and emergency call-outs where transport is not needed.
Emergency cover does not mean every non-emergency trip is covered. AAMI describes certain hospital transfers as eligible when the original hospital cannot provide the required specialist treatment. For planned transport or other transfers, confirm the conditions with AAMI. Your state or territory arrangements may also matter, so check the policy statement for your location.
Source: AAMI ambulance guidance, checked 26 October 2026.
What is the cheapest AAMI hospital policy?
Basic Hospital Plus is the cheapest AAMI hospital policy for a single person in NSW with a $500 hospital excess, at $101.72 a month after the 24.118% government rebate for adults under 65 (prices effective 17 September 2026). This compares all 5 AAMI hospital policies, not the whole market. Check what it excludes before choosing on price.
Source: How we compare prices, checked 26 October 2026.
Sources for AAMI.
Policy information retrieved 26 October 2026. Prices effective 17 September 2026.
Private Health Information Statements · AAMI · checked 26 October 2026
State of the Health Funds Report 2024-25 · nib · checked 26 October 2026
Government insurer profile · nib · checked 23 October 2026
Government premium-increase figures · nib · checked 23 October 2026
Government rebate rates and eligibility · Australian Government · checked 26 October 2026
ProductReview listing · nib · checked 26 October 2026
Official contact details · AAMI · checked 22 October 2026
Official AAMI information · AAMI · checked 26 October 2026
AAMI ambulance guidance · AAMI · checked 26 October 2026
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