For extras claims, you can claim in-person at your healthcare provider, by using your ahm member card - but only if they have a HICAPS machine. If not, you can claim online via your account or through the ahm app.
For hospital claims, it'll depend on if you've received a bill from your specialist. If you have received a bill, you'll need to fill in a Medicare claim form and a two-way claim form to submit your claim to Medicare first. Medicare will then process your forms and send them to ahm to process.
If you've received a Medicare Statement of Benefits, you'll need to fill in an ahm claim form and send it to ahm along with the Statement of Benefits. You can do this online via your account or by sending both forms to Locked Bag 4, Wetherill Park NSW 2164.
Complaints info
The Private Health Insurance Ombudsman received a disproportionately high number of complaints about ahm's parent company, Medibank, in the last financial year.
Medibank has 27.1% of market share but accounted for 29.9% of all complaints. However, many of these complaints were in relation to the cyber attack in 2022. Of all claims investigated by the Ombudsman, Medibank accounted for only 19.2% - far less than its 27.1% market share.
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.
Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio
Nicola's expertise
Nicola has written 237 Finder guides across topics including:
Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
Get a simple breakdown of the membership advantages offered by ahm and find out if any limited time deals are currently available.
Feedback
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
You pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees.
You save time. We spend 100s of hours researching health insurance so you can sort the gold from the junk faster.
You can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.
