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We used the Finder value ranking algorithm for health insurance to see which of the ahm's policies scored the highest for each category of bronze, silver and gold. The policy algorithm weighs each policy based on criteria such as the excess/co-payment amount, number of associated (agreement) hospitals, treatments covered in public or private hospitals, waiting periods and annual benefit limits.
The policy must be available in NSW, VIC, WA, SA and QLD
Hospital policies will be assessed for a single person across five states (NSW, VIC, WA, SA and QLD) using Finder's health insurance engine algorithm
An insurer may only claim one place in the final winners' list in this category
$500 excess
Keep in mind that our top picks may not always be the best for you, and you're encouraged to compare for yourself to find one that works for you.
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.
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
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
Benefit
starter silver
classic silver plus
deluxe silver plus
top 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 $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 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.
Gary Hunter is a writer at Finder, specialising in insurance. He has a Bachelor of Arts in English Literature from the University of Glasgow and has previously worked for Real Insurance as a content specialist.
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.
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.
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.
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!
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?
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.
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.
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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. 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
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. 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
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,
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
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