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ahm Health Insurance

ahm health insurance use the bronze, silver and gold tiers and flexible extras.

Trusted by more than 700,000 Australians, ahm Health Insurance is backed by Medibank and is one of the country's largest health insurers.

With so much choice, ahm offer a range of hospital policies under the new Gold, Silver, Bronze and Basic classifications.

Sign up deals with ahm for June 2019

ahm Deals ahm Deals

Get 6 weeks FREE. Also, claim today on extras including general dental, physiotherapy and more.

New joins on hospital and extras can get 6 weeks free after their first 60 days. Plus waive all 2 & 6 month waits on extras.

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Compare AHM Health Insurance options for you

What health insurance options are available?

  • Starter Basic. This product includes the minimum standard clinical categories required for a 'basic' rating. It covers you for accidents, including accident override and limited medically necessary ambulance.
  • Essentials Basic Plus. This gives you limited medically necessary ambulance and accident override as well as things like dental surgery and joint reconstructions.
  • Starter Bronze. Bronze cover includes the 18 clinical categories required for a Bronze rating including important services such as chemotherapy, radiotherapy and immunotherapy for cancer.
  • Lite Bronze Plus. As well as everything included in the Starter Bronze package, services also include hospital services for back, neck and spine, dental surgery and lung and chest.
  • Core Bronze Plus. This product includes the minimum standard clinical categories required for a Bronze rating as well as Lite Bronze. It also includes medically necessary plastic and reconstructive surgery and more.
  • Starter Silver. This product covers the 26 clinical categories required for a Silver rating including heart and vascular system.
  • Classic Silver Plus. As well as the minimum standard clinical categories required for a Silver rating, Classic Silver also includes palliative care and rehabilitation.
  • Deluxe Silver Plus. Deluxe Silver includes all the perks of Classic and more. It doesn't include pregnancy so is ideal for completed families and those not planning on having children.
  • Top Hospital Gold. The top level of hospital insurance, this policy includes all 38 clinical categories required for a Gold rating including pregnancy and birth services.
Benefitstarter basicessentials basic plusstarter bronzelite bronze pluscore bronze plus
Rehabilitation
  • Restricted
  • Restricted
  • Restricted
  • Restricted
  • Restricted
Hospital psychiatric services
  • Restricted
  • Restricted
  • Restricted
  • Restricted
  • Restricted
Palliative care
  • Restricted
  • Restricted
  • Restricted
  • Restricted
  • Restricted
Brain and nervous system
  • Excluded
  • Excluded
  • Yes
  • Yes
  • Yes
Eye (not cataracts)
  • Excluded
  • Excluded
  • Yes
  • Yes
  • Yes
Ear, nose and throat
  • Excluded
  • Excluded
  • Yes
  • Yes
  • Yes
Tonsils, adenoids and grommets
  • Excluded
  • Yes
  • Yes
  • Yes
  • Yes
Bone, joint and muscle
  • Excluded
  • Excluded
  • Yes
  • Yes
  • Yes
Joint reconstructions
  • Excluded
  • Yes
  • Yes
  • Yes
  • Yes
Kidney and bladder
  • Excluded
  • Excluded
  • Yes
  • Yes
  • Yes
Male reproductive system
  • Excluded
  • Excluded
  • Yes
  • Yes
  • Yes
Digestive system
  • Excluded
  • Excluded
  • Yes
  • Yes
  • Yes
Hernia and appendix
  • Excluded
  • Yes
  • Yes
  • Yes
  • Yes
Gastrointestinal endoscopy
  • Excluded
  • Excluded
  • Yes
  • Yes
  • Yes
Gynaecology
  • Excluded
  • Excluded
  • Yes
  • Yes
  • Yes
Miscarriage and termination of pregnancy
  • Excluded
  • Excluded
  • Yes
  • Yes
  • Yes
Chemotherapy, radiotherapy and immunotherapy for cancer
  • Excluded
  • Excluded
  • Yes
  • Yes
  • Yes
Pain management
  • Excluded
  • Excluded
  • Yes
  • Yes
  • Yes
Skin
  • Excluded
  • Excluded
  • Yes
  • Yes
  • Yes
Breast surgery (medically necessary)
  • Excluded
  • Excluded
  • Yes
  • Yes
  • Yes
Diabetes management (excluding insulin pumps)
  • Excluded
  • Excluded
  • Yes
  • Yes
  • Yes
Heart and vascular system
  • Excluded
  • Excluded
  • Excluded
  • Excluded
  • Excluded
Lung and chest
  • Excluded
  • Excluded
  • Excluded
  • Yes
  • Yes
Blood
  • Excluded
  • Excluded
  • Excluded
  • Excluded
  • Yes
Back, neck and spine
  • Excluded
  • Excluded
  • Excluded
  • Yes
  • Yes
Plastic and reconstructive surgery (medically necessary)
  • Excluded
  • Excluded
  • Excluded
  • Excluded
  • Yes
Dental surgery
  • Excluded
  • Yes
  • Excluded
  • Yes
  • Yes
Podiatric surgery (provided by a registered podiatric surgeon)
  • Excluded
  • Excluded
  • Excluded
  • Excluded
  • Yes
Implantation of hearing devices
  • Excluded
  • Excluded
  • Excluded
  • Excluded
  • Yes
Cataracts
  • Excluded
  • Excluded
  • Excluded
  • Excluded
  • Excluded
Joint replacements
  • Excluded
  • Excluded
  • Excluded
  • Excluded
  • Excluded
Dialysis for chronic kidney failure
  • Excluded
  • Excluded
  • Excluded
  • Excluded
  • Excluded
Pregnancy and birth
  • Excluded
  • Excluded
  • Excluded
  • Excluded
  • Excluded
Assisted reproductive services
  • Excluded
  • Excluded
  • Excluded
  • Excluded
  • Excluded
Weight loss surgery
  • Excluded
  • Excluded
  • Excluded
  • Excluded
  • Excluded
Insulin pumps
  • Excluded
  • Excluded
  • Excluded
  • Excluded
  • Excluded
Pain management with device
  • Excluded
  • Excluded
  • Excluded
  • Excluded
  • Excluded
Sleep studies
  • Excluded
  • Excluded
  • Excluded
  • Excluded
  • Excluded
Benefitstarter silverclassic silver plusdeluxe silver plustop hospital gold
Rehabilitation
  • Restricted
  • Yes
  • Yes
  • Yes
Hospital psychiatric services
  • Restricted
  • Restricted
  • Restricted
  • Yes
Palliative care
  • Restricted
  • Yes
  • Yes
  • Yes
Brain and nervous system
  • Yes
  • Yes
  • Yes
  • Yes
Eye (not cataracts)
  • Yes
  • Yes
  • Yes
  • Yes
Ear, nose and throat
  • Yes
  • Yes
  • Yes
  • Yes
Tonsils, adenoids and grommets
  • Yes
  • Yes
  • Yes
  • Yes
Bone, joint and muscle
  • Yes
  • Yes
  • Yes
  • Yes
Joint reconstructions
  • Yes
  • Yes
  • Yes
  • Yes
Kidney and bladder
  • Yes
  • Yes
  • Yes
  • Yes
Male reproductive system
  • Yes
  • Yes
  • Yes
  • Yes
Digestive system
  • Yes
  • Yes
  • Yes
  • Yes
Hernia and appendix
  • Yes
  • Yes
  • Yes
  • Yes
Gastrointestinal endoscopy
  • Yes
  • Yes
  • Yes
  • Yes
Gynaecology
  • Yes
  • Yes
  • Yes
  • Yes
Miscarriage and termination of pregnancy
  • Yes
  • Yes
  • Yes
  • Yes
Chemotherapy, radiotherapy and immunotherapy for cancer
  • Yes
  • Yes
  • Yes
  • Yes
Pain management
  • Yes
  • Yes
  • Yes
  • Yes
Skin
  • Yes
  • Yes
  • Yes
  • Yes
Breast surgery (medically necessary)
  • Yes
  • Yes
  • Yes
  • Yes
Diabetes management (excluding insulin pumps)
  • Yes
  • Yes
  • Yes
  • Yes
Heart and vascular system
  • Yes
  • Yes
  • Yes
  • Yes
Lung and chest
  • Yes
  • Yes
  • Yes
  • Yes
Blood
  • Yes
  • Yes
  • Yes
  • Yes
Back, neck and spine
  • Yes
  • Yes
  • Yes
  • Yes
Plastic and reconstructive surgery (medically necessary)
  • Yes
  • Yes
  • Yes
  • Yes
Dental surgery
  • Yes
  • Yes
  • Yes
  • Yes
Podiatric surgery (provided by a registered podiatric surgeon)
  • Yes
  • Yes
  • Yes
  • Yes
Implantation of hearing devices
  • Yes
  • Yes
  • Yes
  • Yes
Cataracts
  • Excluded
  • Excluded
  • Yes
  • Yes
Joint replacements
  • Excluded
  • Excluded
  • Yes
  • Yes
Dialysis for chronic kidney failure
  • Excluded
  • Excluded
  • Yes
  • Yes
Pregnancy and birth
  • Excluded
  • Excluded
  • Excluded
  • Yes
Assisted reproductive services
  • Excluded
  • Excluded
  • Excluded
  • Yes
Weight loss surgery
  • Excluded
  • Excluded
  • Excluded
  • Yes
Insulin pumps
  • Excluded
  • Yes
  • Yes
  • Yes
Pain management with device
  • Excluded
  • Yes
  • Yes
  • Yes
Sleep studies
  • Excluded
  • Yes
  • Yes
  • Yes
  • Black 50 Saver. An inexpensive entry-level policy that covers 50% of the costs relating to routine dental, physiotherapy, chiropractic and osteopathic care. Emergency ambulance transport is also included and fully covered.
  • Black 60. Covering you for a range of essential extras services without breaking the bank, this policy pays up to 60% towards the cost of treatments including major dental, physiotherapy and remedial massage.
  • Black 70. A generous policy that includes up to 70% back on your included extras, such as dental, remedial massage and physio therapies. What's more, it provides 100% back on optical frames, prescription and contact lenses, as well as no gap dental check-ups.
  • Lifestyle. This extras policy covers up to 17 alternative and complementary therapies including acupuncture, naturopathy and herbalism as well as major dental, optical, laser eye surgery and more.
  • Family. This policy covers a range of out-of-hospital treatments including pre and postnatal services and birthing courses and has no family limits.
  • Black 70 Boost. This policy will get you back up to 70% on everything you'll need for your head to your toes, from dental to podiatry treatments.
  • Super. A premium extras policy that covers you for 28 services including major dental, orthodontics, optical and pharmacy prescriptions.
  • Starter Flexi Basic. Suitable for those who only require the bare essentials, this policy covers you for vital hospital services and general treatments that are not eligible for a Medicare benefit (such as dental) and it allows the policyholder to avoid the Medicare Levy Surcharge and the Lifetime Health Cover loading.
  • Essentials Flexi Basic Plus. Affordable without compromising on protection, this policy includes treatment for accidents with some rehab as well as dental surgery and more.
  • Lite Flexi Bronze Plus. This policy provides the minimum standard clinical categories required for a Bronze rating as well as back, neck and spine, dental surgery and more.
  • Classic Flexi Silver Plus. Included are all silver services and a flexible extras limit. A good option if you are looking for a comprehensive combined policy without the additional cost of insuring for specialised services.
  • Deluxe Flexi Silver Plus. Combining all the services included in Silver plus a generous amount of extras, this policy ensures that you are fully covered both inside and outside of hospital. It also comes with an extras limit that goes up every year for 5 years and a bonus $250 optical limit.

Young people discount

If you're aged between 18 and 29 and are the principal member or partner on a hospital cover policy, you may be eligible for a discount.

The youth discount applies to hospital cover only and is calculated on your base premium before the application of the 1 April 2019 Australian Government Rebate or Lifetime Health Cover loading discount. You may be entitled to a discount of up to 10%.

Ahm will continue to apply the discount you received on 1 April 2019 - or at the age you take out an eligible hospital product - until you turn 41, so long as you maintain continuous hospital cover. After this, your discount will reduce by 2% every year until it reaches zero.

Member offers

As a leading insurer in Australia, ahm regularly have discounts, offers and perks for their members. Some of these exclusive deals include:

  • 2 for 1 HOYTS tickets. ahm Members can get 2 for 1 movie tickets every Thursday night after 5pm at HOYTS.
  • 10% off ahm life insurance premiums for ahm health members.
  • 25% off Specsavers. When you buy a single pair of glasses at Specsavers, members can save 25% from the $149 and above range.
  • Pet insurance. Members can get two months free pet insurance.
  • 15% off Car insurance. There are 4 options available from Real insurance.
  • 25% off Home and contents insurance. There are 3 options available from Real insurance.
  • 25% off Fitbit trackers. By using your ahm code, members can save 25% on a wide selection Fitbit trackers including a range of Aria scales.

How to make a claim

Once you've received treatment or purchased an item covered by your policy, you'll need to make a claim. You can lodge a health insurance claim with ahm in the following ways:

  • On the spot. You can swipe your ahm membership card at almost 20,000 health care providers that support the HICAPS electronic claims system. This allows you to have your claim processed immediately.
  • Via a mobile app. You can lodge a claim using the ahm mobile app by taking a photo of your receipt using your smartphone and then submitting it to ahm.
  • Online. You can log into your online account through the ahm website and lodge your account by providing the details included on your receipt - just follow the two steps below.
  • By post. You can fill out a claim form and submit it along with your receipt from the provider to:
  • AHM Health Insurance
  • Locked Bag 1006
  • Matraville, NSW, 2036

Benefits can be paid by bank transfer or cheque.

Does ahm cover overseas visitors or international students?

Yes - to apply for Overseas Student Health Cover with ahm, all you need is your credit card and passport. Once your health cover has been granted, you can activate your membership online. Ahm also offer Overseas Visitors Cover through Medibank.

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13 Responses

  1. Default Gravatar
    LeahJanuary 8, 2017

    I was an ahm butbm it lapsed but want to renew it for me and my 3 teen aged kids.

    • Avatarfinder Customer Care
      RichardJanuary 9, 2017Staff

      Hi Leah,

      Thanks for getting in touch. finder.com.au is a comparison service and not ahm. To speak with one of our advisers about getting cover from ahm or to compare your cover options from other funds in our panel, please complete the contact form above.

      All the best,
      Richard

  2. Default Gravatar
    LynNovember 1, 2016

    Looking to get cover for a new insulin pump…need quote for best cover, waiting periods,any other relevant information. ..

    • Avatarfinder Customer Care
      RichardNovember 4, 2016Staff

      Hi Lyn,

      Just letting you know that the diabetes and health insurance article has been updated with waiting periods and other helpful information.

      All the best,
      Richard

    • Avatarfinder Customer Care
      RichardNovember 2, 2016Staff

      Hi Lyn,

      Thanks for getting in touch. You may find our diabetes and health insurance article helpful. Unfortunately, the tables don’t contain information about waiting periods at the moment.

      All the best,
      Richard

  3. Default Gravatar
    ananthaJune 1, 2016

    I recently joined AHM.If I want to change to top cover
    what should I do?Thanks.

    • Avatarfinder Customer Care
      RichardJune 1, 2016Staff

      Hi Anantha,

      Thanks for your question. finder.com.au is a comparison service. If you enter your details in contact form above, an advisor will be in touch to discuss your options.

      I hope this was helpful,
      Richard

  4. Default Gravatar
    JasonMarch 28, 2016

    Wow we are being hit with a 19% premium increase from $906.65 to $1077.9 per quarter by AHM! And from the 31st of May our current Mid-Life cover policy is being closed by AHM and we are being moved to a new black+white policy for the same premium of $1077.9 premium but the new policy covers less items as the old one!

    • Avatarfinder Customer Care
      RichardMarch 29, 2016Staff

      Hi Jason,

      Thanks for getting in touch. If you would like to compare the premium increases for other Australian health funds, you may find the following useful:
      Premium increase 2016
      If you would like to compare your options with the help of an advisor, please complete the contact form at the top of the page.

      I hope this was helpful,
      Richard

    • Default Gravatar
      JasonMarch 29, 2016

      Richard I am aware of the premium increase page with nowhere does it mention a 19% premium increase;

      https://www.finder.com.au/health-insurance-premium-increase-2016

      I asked a question. Why did our premium increase from $906.65 to $1077.9 per quarter, or 19% by AHM! Also why from the 31st of May will our current Mid-Life cover policy be closed by AHM and we are being moved to a new black+white policy for the same premium of $1077.9 premium but this new policy covers less items as the old one! Why have we been told if we won’t the same policy items as our current Mid-Life policy have we been told we will have to pay even more than the new premium of $1077.99?

    • Avatarfinder Customer Care
      RichardMarch 29, 2016Staff

      Hi Jason,

      Thanks for getting in touch. finder.com.au is a comparison service and we are not permitted to provide our users with personalised financial advice. You will need to contact ahm directly about why your premiums are rising and why your cover is changing. If you would like to speak with an advisor to compare your options outside of ahm, you can do so by completing the contact form at the top of the page.

      Cheers,
      Richard

  5. Default Gravatar
    IVORMarch 4, 2016

    What will be your increase in april this year

    • Avatarfinder Customer Care
      RichardMarch 4, 2016Staff

      Hi Ivor,

      Thanks for your question. finder.com.au is a comparison service and not an insurer. As ahm are a part of the medibank group, their average premium increase is 5.64% for 2016. For more information about 2016 premium increases you may find the following useful.

      I hope this was helpful,
      Richard

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