All AIA hospital and combined cover products will cover you for emergency ambulance transport via land, sea or air to an Australian hospital. You will also be covered for emergency treatment by paramedics on the scene (limited to two on-site call outs per year).
Yes, AIA will cover you for hospital treatments relating to your pre-existing condition, provided your policy covers the treatment and you’ve served the relevant waiting periods (typically 12 months for pre-existing conditions). However, if you’ve already served your waiting periods with a previous fund, you won’t need to reserve them if you’re taking out the same level of cover.
Pre-existing conditions won’t affect your extras cover waiting periods or your ability to claim on extras services.
Yes, AIA hospital insurance policies have the standard waiting periods of 12 months for pre-existing conditions and 2 months for everything else. Palliative care, psychiatric and rehabilitation services will only have a 2-month waiting period regardless of any pre-existing conditions.
Waiting periods under AIA extras policies vary between 2 and 12 months, depending on the policy you choose and what benefits are covered. Longer waiting periods are typically reserved for more expensive services like major dental, orthodontics and hearing aids.
When you receive treatment in a participating hospital for services covered by your policy, the hospital will send the bill directly to AIA, who will pay it on your behalf. The hospital will typically reach out to you to pay any excess or patient co-payment, or request payment prior to admission.
To make a claim on your extras policy, you can simply scan your AIA membership card at your healthcare provider’s HICAPS machine. Alternatively, you can complete an online claims form through AIA’s member portal or download the claim form from their website and email it to them.
You can choose to pay your AIA health insurance premiums fortnightly, monthly or annually by direct debit from a credit card or bank account. While AIA doesn’t offer a discount for premiums paid annually, you may be able to save by locking in a lower rate before the annual premium increase.
Yes, you will typically need to pay an excess when you’re treated as a private patient in hospital for a service covered by your policy. However, by engaging with the AIA Vitality program, you could be refunded 100% of your hospital excess if, at the time you’re admitted, you’ve held an AIA health insurance policy for at least six months prior and your AIA Vitality status is Silver or above.
To cancel your AIA health insurance policy, all you have to do is contact AIA’s Member Services Team and they will walk you through the cancellation process. If you decide to leave, they will provide you with your transfer certificate within 14 days of your cancellation request.