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ahm Health Insurance Review
ahm has some great value extras policies, as well as some of the most flexible on the market (especially choosable extras). ahm hospital policies are also very competitive on price.
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Pros
It's the only insurer to let you skip waiting periods for things like general dental, optical and physio with some of its extras policies.
It's cheaper than most health insurers. Its basic extras (from $12.48 p/m) and hospital options (from $75.13 p/m) are some of the cheapest policies available on Finder.
Cons
It's top-tier cover is more expensive than others. HBF, Medibank and HCF's gold-tier policies are all cheaper.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Compare prices from 30+ Aussie funds in under 30 seconds.
ahm health insurance: Our experts verdict
ahm is owned by Medibank, Australia's biggest health insurer. It's an uncomplicated, digital-first service that consistently offers some of the cheapest health insurance policies in Australia.
ahm is good if:
You want to skip waiting periods on extras treatments like dental, optical and physiotherapy – the classic, lifestyle, family and super extras policies let you do this.
You want cheap basic and mid-level hospital policies.
ahm is not great if:
You want a gold tier policy at an affordable price.
ahm is one of the cheapest insurers on the market for basic and mid-level hospital options. These cover treatments such as ear, nose and throat, joint reconstructions, chemotherapy and diabetes management. If you're older and have some health issues, such as cataracts or need a joint replacement, there are cheaper top-tier gold policies though. The same is true if you're looking for pregnancy cover (ahm's owners, Medibank offer a much more comprehensive option). As for its extras cover, its no waiting period option has literally saved me hundreds of dollars several times on dental, physio and optical.
ahm's choosable extras option lets you (you guessed it) choose up to 3 add-on extras bundles. You can remove services you aren't going to use and save money in the process. ahm was a finalist at the latest Finder Innovation Awards because it was one of the first funds to offer this type of product.
ahm has lots of policies so our health insurance experts have selected 3 they feel represent good value, which you can see at the top of this page. We selected them based for the following reasons:
ahm lifestyle Extras: You get to skip 2- and 6-month waiting periods on treatments including general dental, optical and physio.
ahm starter bronze: At $86.13 per month*, it's the cheapest bronze-level cover available on Finder. The average cost of a bronze policy is
$98.84
a month.
ahm starter silver: At $109.09 per month*, it's the 2nd cheapest silver-level cover available on Finder.
How do customers rate ahm health insurance?
As part of Finder's customer satisfaction awards, we asked 290 Australians for their honest opinion about their health insurer and if they would recommend them to a friend. ahm received an overall score of 4.3/5.
ahm health insurance complaints
We looked at the 2022 Ombudsman health insurance complaints. Because ahm is owned by Medibank, they're grouped together. Here's how they stacked up:
ahm/Medibank had fewer complaints than its market share. It counts 27.5% of the market, but has a comparatively low 19.30% of complaints.
ahm/Medibank had a better complaints score than other big health funds like Bupa and HCF..
Some smaller funds, including CUA Health and Peoplecare, had a better complaints score.
This chart shows the weighted volume of complaints received by each health fund, according to the Commonwealth Ombudsman. The lower the number, the better. Only non-restricted funds with a national market share of at least 0.1% are included here. ahm/Medibank is fourth overall in this ranking. The weighting ensures that funds are compared fairly; larger funds serve more customers so can potentially get more complaints.
Why you can trust Finder's health insurance experts
We're free
Our health insurance engine is completely free to use. You pay the same as buying directly from the health insurer. Better still, we regularly run exclusive deals that you won't find on any other site.
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and you can compare nearly every health fund in Australia on the site (and find a better deal).
We're here to help
Since 2014, we've helped 350,000+ people find health insurance by explaining your options simply. We'll never ask for your number or email to see prices. We're here to help you make a decision.
ahm health insurance frequently asked questions
Yes, ahm health insurance is part of Medibank. Combined, it is the largest health insurance provider in Australia, so both Medibank and ahm are able to offer a fairly competitive range of policies.
No, ahm is not not-for-profit. Its parent company, Medibank, used to be government-owned, but the government sold its shares in 2014.
Yes. ahm regularly has sign-up offers for new customers and existing members. This includes 15% off Goodlife gym memberships, 25% off on prescription glasses from Specsavers, 20% off lenses and 10% off contact lenses from OPSM, along with a host of insurance discounts. Learn more about ahm member perks here.
Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, news.com.au, The Telegraph, Explore Travel and Escape. Gary holds a Kaplan Tier 1 General Insurance (General Advice) certification and a Kaplan Tier 1 Generic Knowledge certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
Finder is giving away a $200 Mastercard gift card to one Finder member who writes a review that is verified and published on productreview.com.au between 27 November 2023 and 01 January 2024.
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If you’re looking for private health insurance in Victoria, compare the most popular health funds in your state and how much it costs to take out cover.
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