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ahm Health Insurance Review
Affordable cover for the basics and no waiting periods with lifestyle extras are some of the reasons worth choosing ahm health insurance.
Types
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ahm is owned by Medibank, Australia's biggest health insurer. It's an uncomplicated, digital-first service with over half a million members that consistently offers some of the cheapest health insurance policies in Australia.
Our Verdict
- ahm is good at covering the basics and mid-level treatments for an affordable price. From 61 extras policies available on Finder, we found their black 50 saver to be the second-cheapest policy available after HBF's ambulance only cover.
- ahm's lifestyle extras has no waiting periods for certain treatments including general dental, optical and physiotherapy. No other policy currently offers this option.
- At around $194 a month, their gold tier policy, top hospital gold, isn't the cheapest option. HBF, Medibank and HCF are all cheaper.
Review by our insurance writer Gary Hunter
Top Pick for
Bronze Hospital
Top Pick for
Silver Hospital
Top Pick for
Gold Hospital
ahm is a popular health insurance provider, giving its members access to a wide variety of policies, for a reasonable price. Combined hospital and extras policies start at around $80 a month for more basic offerings, going up to $240 a month for the most comprehensive package.
Sign up deals with ahm for April 2021
ahm Deals
VERIFIED
Get up to $100 when signing up to both hospital + extras
$100 for couples and families and $50 for couples. Offer applies for new joiners.
Last verified
Coupon code ends
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.
| Benefit | starter basic | essentials basic plus | starter bronze | lite bronze plus | core bronze plus |
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| Rehabilitation |
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| Hospital psychiatric services |
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| Palliative care |
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| Brain and nervous system |
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| Eye (not cataracts) |
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| Ear, nose and throat |
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| Tonsils, adenoids and grommets |
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| Bone, joint and muscle |
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| Joint reconstructions |
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| Kidney and bladder |
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| Male reproductive system |
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| Digestive system |
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| Hernia and appendix |
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| Gastrointestinal endoscopy |
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| Gynaecology |
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| Miscarriage and termination of pregnancy |
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| Chemotherapy, radiotherapy and immunotherapy for cancer |
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| Pain management |
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| Skin |
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| Breast surgery (medically necessary) |
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| Diabetes management (excluding insulin pumps) |
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| Heart and vascular system |
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| Lung and chest |
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| Blood |
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| Back, neck and spine |
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| Plastic and reconstructive surgery (medically necessary) |
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| Dental surgery |
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| Podiatric surgery (provided by a registered podiatric surgeon) |
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| Implantation of hearing devices |
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| Benefit | starter silver | classic silver plus | deluxe silver plus | top hospital gold |
|---|---|---|---|---|
| Rehabilitation |
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| Hospital psychiatric services |
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| Palliative care |
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| Brain and nervous system |
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| Eye (not cataracts) |
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| Ear, nose and throat |
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| Tonsils, adenoids and grommets |
|
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|
|
| Bone, joint and muscle |
|
|
|
|
| Joint reconstructions |
|
|
|
|
| Kidney and bladder |
|
|
|
|
| Male reproductive system |
|
|
|
|
| Digestive system |
|
|
|
|
| Hernia and appendix |
|
|
|
|
| Gastrointestinal endoscopy |
|
|
|
|
| Gynaecology |
|
|
|
|
| Miscarriage and termination of pregnancy |
|
|
|
|
| Chemotherapy, radiotherapy and immunotherapy for cancer |
|
|
|
|
| Pain management |
|
|
|
|
| Skin |
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|
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| Breast surgery (medically necessary) |
|
|
|
|
| Diabetes management (excluding insulin pumps) |
|
|
|
|
| Heart and vascular system |
|
|
|
|
| Lung and chest |
|
|
|
|
| Blood |
|
|
|
|
| Back, neck and spine |
|
|
|
|
| Plastic and reconstructive surgery (medically necessary) |
|
|
|
|
| Dental surgery |
|
|
|
|
| Podiatric surgery (provided by a registered podiatric surgeon) |
|
|
|
|
| Implantation of hearing devices |
|
|
|
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| Cataracts |
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| Joint replacements |
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| Dialysis for chronic kidney failure |
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| Pregnancy and birth |
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| Assisted reproductive services |
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| Weight loss surgery |
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| Insulin pumps |
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| Pain management with device |
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| Sleep studies |
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- 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 $300 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:
- 10% off ahm life insurance premiums for ahm health members.
- 15% off Goodlife Health Club memberships for ahm health members.
- 20% off Michelle Bridges 12 Week Body Transformation.
- 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.
- $5 off your first 2 rides with Ola.
- 20% off Lenses and lens extras, and 10% off contact lenses at OPSM.
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 4
- Wetherill Park, NSW, 2164
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.
More guides on Finder
-
ahm Hospital Cover Health Insurance Policy Review
Detailed review of ahm hospital cover.
-
ahm health insurance offers
Get a simple breakdown of the membership advantages offered by ahm and find out if any limited time deals are currently available.
-
ahm ambulance cover
Cover hefty ambulance bills with standalone cover from AHM.
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Ask an Expert
I was an ahm butbm it lapsed but want to renew it for me and my 3 teen aged kids.
Hi Leah,
Thanks for getting in touch.
Please note that we are Finder 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 quote form on this page.
All the best,
Richard
Looking to get cover for a new insulin pump…need quote for best cover, waiting periods,any other relevant information. ..
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
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
I recently joined AHM.If I want to change to top cover
what should I do?Thanks.
Hi Anantha,
Thanks for your question.
If you enter your details in the Search Policies form above, you should get a quick quote. If in case you want to change the top cover with AHM, please get in touch with them for more details. Select the “Go to site” button of AHM above to be redirected to their website.
I hope this was helpful,
Richard
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!
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:
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
Richard I am aware of the premium increase page with nowhere does it mention a 19% premium increase;
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?
Hi Jason,
Most health insurance policies in Australia have stepped premiums, meaning how much you pay increases each year by a certain percentage. You will need to contact ahm directly to verify 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
What will be your increase in april this year
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.
I hope this was helpful,
Richard