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ahm health insurance review

ahm offers a broad range of policies with affordable premiums, but if you’re looking for the lowest price possible, cheaper options are available.

4.1 ★★★★★ (115 reviews) Write a review

Our verdict

Pros

  • ahm's Basic Extras policy was highly commended in Finder's 2024 Health Insurance Awards.
  • Lots of options, with 7 Extras policies and 9 hospital policies to choose from.
  • ahm is the only insurer to let you skip waiting periods on general dental, optical and physio on participating extras policies.

Cons

  • ahm's Gold Hospital cover is about $63 a week, but Medibank, HCF and nib are all cheaper health insurers.
  • ahm was caught up in the Medibank data breach and sensitive customer data was leaked, harming consumer trust.
  • A disproportionate number of complaints were lodged about ahm's parent company in the last financial year

What types of health insurance does ahm offer?

Ahm have a range of health insurance policies available. Keep in mind, you should compare a range of policies to help find the best health insurance for your needs.

Name Product Treatments Price Apply Hide Compare
starter basic
Basic$750 excess
ahm logo
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
$82.71
per month
Go to Site
All treatments
essentials basic plus
Basic Plus$750 excess
ahm logo
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
  • +5 other treatments covered
$87.04
per month
Go to Site
All treatments
starter bronze
Bronze$750 excess
ahm logo
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +14 other treatments covered
$88.70
per month
Go to Site
All treatments
core bronze plus
Bronze Plus$750 excess
ahm logo
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +17 other treatments covered
$113.58
per month
Go to Site
All treatments
starter silver
Silver$750 excess
ahm logo
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +22 other treatments covered
$122.40
per month
Go to Site
All treatments
advanced hospital gold
Gold$750 excess
ahm logo
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
  • +30 other treatments covered
$273.97
per month
Go to Site
All treatments
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1 - 10 of 16
Name Product Treatments Price Apply Hide Compare
ahm logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +3 other treatments covered
$12.97
per month
Go to Site
All treatments
black 50 saver
Extras cover
ahm logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +1 other treatments covered
$14.17
per month
Go to Site
All treatments
value extras
Extras cover
ahm logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +6 other treatments covered
$32.80
per month
Go to Site
All treatments
ahm logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +4 other treatments covered
$37.28
per month
Go to Site
All treatments
ahm logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +7 other treatments covered
$38.04
per month
Go to Site
All treatments
ahm logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +4 other treatments covered
$38.30
per month
Go to Site
All treatments
black 60
Extras cover
ahm logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +4 other treatments covered
$42.03
per month
Go to Site
All treatments
ahm logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +7 other treatments covered
$48.59
per month
Go to Site
All treatments
ahm logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +4 other treatments covered
$48.82
per month
Go to Site
All treatments
ahm logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +7 other treatments covered
$49.53
per month
Go to Site
All treatments
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Name Product Treatments Price Apply Hide Compare
starter flexi basic
Basic$750 excess
ahm logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +4 other treatments covered
$101.36
per month
Go to Site
All treatments
essentials flexi basic plus
Basic Plus$750 excess
ahm logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • +2 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +5 other treatments covered
$130.62
per month
Go to Site
All treatments
lite flexi bronze plus
Bronze Plus$750 excess
ahm logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +18 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +8 other treatments covered
$153.76
per month
Go to Site
All treatments
classic flexi silver plus
Silver Plus$750 excess
ahm logo
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • +29 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +7 other treatments covered
$187.99
per month
Go to Site
All treatments
deluxe flexi silver plus
Silver Plus$750 excess
ahm logo
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • +30 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +8 other treatments covered
$236.73
per month
Go to Site
All treatments
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How to make a claim

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.

Sign-up deals with ahm health insurance for 2024

Name Product

Roll over your extras limits

Most unused extras limits rolled over until June 2025. Join by June 30 for up to double limits on most extras. Exclusions & T&Cs apply.


Get up to 12 weeks free

Ends 30 June 2024

For new joins by Jun 30 who maintain eligible combined hospital & extras. T&Cs apply. Learn more.


Get 8 weeks free extras cover

Ends 30 June 2024

For new joins by Jun 30 who maintain eligible extras. T&Cs apply. Learn more.

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FAQs

Written by

Nicola Middlemiss

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 profile

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