Our verdict
Pros
- ahm's received multiple award wins for Best Comprehensive Extras Health Insurance in Finder's 2026 Health Insurance Awards.
- Lots of options, with 16 Extras policies and 8 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.
- ahm/Medibank has a good complaints record last financial year, lower than most big funds.
Cons
- ahm health insurance - advanced hospital gold is about 280.85 per month, 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.


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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.