ahm Health Insurance

Looking for health insurance that promotes flexibility, choice and added value? ahm may be the right health fund for you.

ahm Health Insurance is trusted by over 500,000 Australians nationwide to protect their healthcare needs. Backed by Medibank, it is one of the largest private health funds in the country. Offering a range of hospital, extras and combined cover, ahm has policies to suit any need or budget.

Promotions currently on offer from ahm

ahm Deals	Get 1 month free with combined cover and waive 2 & 6 month waits on extras.	Deal expires 21 Jun 2018	When signing up before 20 June	Last verified 1 May 2018	Get deal

Compare ahm's complete range of policies side-by-side

What policy options are available?

ahm Health Insurance offers hospital, extras and packaged policies. Select from the three categories below to learn more about the different cover options.

Top Hospital. Made for those who want complete peace of mind, this policy covers all hospital treatments that Medicare pays a benefit for, as well as specialised services including pregnancy, labour ward fees, reproductive services, sterility reversal and weight loss surgery.
White Deluxe. A good choice if you are looking for a comprehensive policy without pregnancy. It covers all the services included in Top Hospital except for obstetrics, reproductive services and weight loss surgery, which are excluded. A partial benefit also applies to psychiatric services.
White Classic. An intermediate policy that covers a wide range of hospital services including cancer treatment, heart procedures, brain surgery, joint reconstruction and more. Specialised treatments such as dialysis, spinal fusion, pregnancy and major eye surgery are excluded.
White Boost. This policy allows you to claim for a number of hospital treatments including surgery to remove wisdom teeth, joint reconstruction, colonoscopies and tonsil removal. Pregnancy, psychology, palliative care and rehabilitation are partially covered.
White Lite. Designed for the budget-conscious, this policy covers essential hospital services including injury relating to accidents, emergency ambulance transport, tonsil removal and more. Be aware that a large number of treatments are excluded from this policy.
White Starter. If you are young, healthy and wanting to avoid the Medicare Levy Surcharge, this policy is a solid option. It provides full cover for accident treatment and emergency ambulance as well as partial cover for rehabilitation, palliative care and psychiatric services.

Super Extras. A premium extras policy that covers you for 28 services including major dental, orthodontics, optical and pharmacy prescriptions. Super Extras also boasts the highest annual benefit limits and no limit is applied to routine dental.
Family Extras. This policy covers a range of out-of-hospital treatments including pre and postnatal services and birthing courses. While annual benefit limits are not as high as Super Extras, they are still generous and waiting periods are waived for common services your children may need, such as routine dental and optical.
Lifestyle Extras. Focusing on the wellbeing of the body and the mind, this extras policy covers up to 17 alternative and complementary therapies including acupuncture, naturopathy and herbalism. Other services are not neglected either, as you are also covered for major dental, optical, laser eye surgery and more.
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. Optical and emergency ambulance transport costs are fully covered. Annual benefit limits are shared between certain services.
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. Annual benefit limits are shared between certain services.

Services	Super Extras	Family Extras	Lifestyle Extras	Black 60	Black 50 Saver
Routine dental	Covered	Covered	Covered	Covered	Covered
Complex dental	Covered	Covered	Covered	Covered	Not covered
Major dental	Covered	Covered	Covered	Covered	Not covered
Orthodontics	Covered	Covered	Covered	Not covered	Not covered
Optical	Covered	Covered	Covered	Covered	Not covered
Laser eye surgery	Covered	Not covered	Not covered	Not covered	Not covered
Physiotherapy	Covered	Covered	Covered	Covered	Covered
Chiropractic	Covered	Covered	Covered	Covered	Covered
Osteopathy	Covered	Covered	Covered	Covered	Covered
Alternative therapies	Covered	Covered	Covered	Not covered	Not covered
Pharmacy	Covered	Covered	Covered	Not covered	Not covered
Health improvement	Covered	Covered	Covered	Not covered	Not covered
Diet & nutrition	Covered	Covered	Covered	Not covered	Not covered
Psychology & hypnotherapy	Covered	Covered	Covered	Not covered	Not covered
Speech therapy	Covered	Covered	Not covered	Not covered	Not covered
Occupational therapy	Covered	Covered	Not covered	Not covered	Not covered
Eye therapy	Covered	Covered	Not covered	Not covered	Not covered
Podiatry	Covered	Covered	Not covered	Not covered	Not covered
Audiology	Covered	Not covered	Not covered	Not covered	Not covered
Orthotics & orthopaedic shoes	Covered	Covered	Not covered	Not covered	Not covered
Hearing aids	Covered	Covered	Not covered	Not covered	Not covered
Pre & postnatal services	Covered	Covered	Not covered	Not covered	Not covered
Birthing courses	Covered	Covered	Not covered	Not covered	Not covered
Medical gases	Covered	Covered	Not covered	Not covered	Not covered
Joint fluid replacement injections	Covered	Covered	Not covered	Not covered	Not covered
Travel & accomodation	Covered	Covered	Not covered	Not covered	Not covered
Outpatient procedure room fees	Covered	Not covered	Not covered	Not covered	Not covered
Post-operative & medical aids	Covered	Not covered	Not covered	Not covered	Not covered
Emergency ambulance	Covered	Not covered	Not covered	Not covered	Not covered

Deluxe Flexi. Combining all the services included in White Deluxe plus a generous amount of extras, this policy ensures that you are fully covered both inside and outside of hospital. Be aware that psychiatric care has a partial benefit applied, while obstetrics, reproductive services and weight loss surgery are excluded.
Classic Flexi. A solid option if you are looking for a comprehensive combined policy without the additional cost of insuring for specialised services. The hospital cover is identical to White Classic with the same exclusions and restrictions. All the extras services covered by Deluxe Flexi are also included with the exception of major dental.
Boost Flexi. The middle ground option between the comprehensive and budget packages, Boost Flexi provides the same level of hospital cover as the White Boost policy while including a large number of extras services such as routine and complex dental, optical, physiotherapy, natural therapies, prescription medications and more.
Lite Flexi. Affordable without compromising on protection, this policy includes all the hospital services covered by White Lite along with a range of extras. Rehabilitation, palliative care and psychiatric care are partially covered, while major dental, podiatry, orthotics and natural therapies are excluded.
Starter Flexi. 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.

Summary of extras services

Services	Deluxe Flexi	Classic Flexi	Lite Flexi	Starter Flexi
Major dental	Covered	Not covered	Not covered	Not covered
Complex dental	Covered	Covered	Covered	Covered
Routine dental	Covered	Covered	Covered	Covered
Physiotherapy	Covered	Covered	Covered	Covered
Chiropractic	Covered	Covered	Covered	Covered
Osteopathic	Covered	Covered	Covered	Covered
Podiatry	Covered	Covered	Not covered	Not covered
Orthotics	Covered	Covered	Not covered	Not covered
Remedial massage	Covered	Covered	Covered	Not covered
Natural therapies	Covered	Covered	Not covered	Not covered
Optical	Covered	Covered	Covered	Not covered

Did you know?

You can get a refund if you change your mind about joining ahm within 30 days. If you haven't made a claim, you'll get your premium back.

Are there any bonus benefits?

ahm offers some additional features:

Choose your own provider. ahm Health Insurance does not penalise you if you visit a non-preferred provider for any extras services.
Excess and co-payment options. You can access a range of excess and co-payment (daily charge) to help reduce the cost of your premiums.
Flexible extras limits. If you choose the Deluxe Flexi, Classic Flexi, Lite Flexi or Starter Flexi combined policies, the annual benefit limit is applied as a lump sum for you to spend however you wish, without shared limits.
Loyalty rewards. Annual benefit limits on some extras services increase every year that you maintain your cover. Combined policies cap at five years and standalone extras policies cap at 20 years.

Are there member offers?

As a member you're also intitled to some member rewards:

2 for 1 HOYTS tickets. ahm Members can get 2 for 1 movie tickets every Thursday night after 5pm at HOYTS.
20% off Michelle Bridges 12WBT. With 15 programs to choose from, including Beginner and Learn to run, ahm members save 20% on 12WBT programs.
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.
15% off Active Life. Members can get 15% off new Active Plus memberships across all 76 Goodlife Health Clubs.
25% off Specsavers. When you buy a single pair of glasses at Specsavers, members can save 25% from the $149 and above range.

Paying your ahm health insurance premiums

ahm health insurance premiums can be paid:

Fortnightly
Monthly
Annually

Premiums can be paid in the following ways

By direct debit from your nominated bank account or credit card
By BPAY from your bank account
Over the phone using your credit car

How many hospital agreements does ahm have in my state and in total?

The benefit you receive for hospital treatment is influenced not only by the level of cover you have in place, but also by whether or not your health fund has an agreement with the hospital where you are treated. Check out the table below for details of the number of hospital agreements ahm and Medibank Private have in place in your state or territory compared to the maximum of any health fund across the industry:

	Private hospital agreements	Day hospital agreements
NSW	87 (industry maximum: 101)	76 (industry maximum: 96)
ACT	5 (industry maximum: 7)	4 (industry maximum: 9)
VIC	56 (industry maximum: 84)	68 (industry maximum: 75)
QLD	53 (industry maximum: 57)	37 (industry maximum: 51)
SA	27 (industry maximum: 29)	19 (industry maximum: 27)
WA	20 (industry maximum: 23)	17 (industry maximum: 26)
TAS	5 (industry maximum: 8)	3 (industry maximum: 5)
NT	1 (industry maximum: 2)	1 (industry maximum: 1)

Is there anything I cannot claim for?

Australian health funds typically exclude some procedures and items from cover, which is why you should always check your policy's rules and exclusions carefully. ahm's general exclusions can be found below:

Charges above the minimum benefit for surgically implanted prostheses
The full cost of accommodation or theatre fees if treated at a non-agreement hospital
Treatment that is currently subject to a waiting period
Personal items in hospital such as phone calls, TV, faxes, internet and newspapers
Take-home bandages and dressings
Costs for services not covered by Medicare
Any medical, hospital or ambulance services received overseas
Cosmetic surgery
The full cost of restricted or excluded services
Podiatric surgery

Did you know ahm also offer travel insurance?

How do I 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.

Coming to Australia on a student visa?

ahm Health Insurance offers Overseas Student Health Cover (OSHC) for international students who are planning to study in Australia. The policy is fully compliant with student visa conditions and includes the following benefits:

Broad protection. Cover for hospital treatment, visits to the doctor, emergency ambulance transport and medications.
Fast payment on claims. Benefits are paid to you within two working days and claims can be lodged online or by phone.
Interpreter. A free interpreter service is available to use.
24-hour helpline. Can be called for emergency medical assistance and advice.
Stress and trauma counselling. All members have free access to counselling if they require it.

Want to know more about ahm?

Below are some useful info to help you decide whether ahm is the health fund for you:

How many members does ahm service?

ahm provides health insurance cover to more than 500,000 people. Its parent fund, Medibank, boasts a 27.6% market share, making Medibank the largest health fund in Australia.

Some final details you might want know about

- Excess. A lump sum that must be paid upfront when you are admitted to hospital or day surgery. It is applied to each person on your policy. Child, student and adult dependents may have their excesses waived under some policies.
- Co-payment (daily charge). This is a fee that you agree to pay for each day that you are treated in hospital or day surgery. It applies to each person on your policy and is capped each membership year.
Yes, pharmacy cover is included on the following policies:
- Extras cover: Lifestyle, Family and Super
- Combined cover: Boost Flexi, Classic Flexi and Deluxe Flexi
Yes, natural therapies cover is included on the following policies:
- Extras cover: Black 60, Lifestyle, Family and Super
- Combined cover: Lite Flexi, Boost Flexi, Classic Flexi and Deluxe Flexi
Yes, acupuncture cover is included on the following policies:
- Extras cover: Lifestyle, Family and Super
- Combined cover: Boost Flexi, Classic Flexi and Deluxe Flexi
Yes, psychology (including group consultations) is covered by the following ahm policies:
- Extras cover: Lifestyle, Family and Super
- Combined cover: Boost Flexi, Classic Flexi and Deluxe Flexi
Yes. ahm’s Health Improvement benefits provide cover for the cost of things like quit smoking courses, disease management association fees, preventative tests and scans, health checks and exercise classes. These benefits are available on the following policies:
- Extras cover: Lifestyle, Family and Super
- Combined cover: Boost Flexi, Classic Flexi and Deluxe Flexi

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13 Responses

LeahJanuary 8, 2017

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

Reply
- Staff
  
  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
  
  Reply
LynNovember 1, 2016

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

Reply
- Staff
  
  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
  
  Reply
- Staff
  
  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
  
  Reply
ananthaJune 1, 2016

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

Reply
- Staff
  
  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
  
  Reply
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!

Reply
- Staff
  
  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
  
  Reply
- March 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?
  
  Reply
- Staff
  
  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
  
  Reply
IVORMarch 4, 2016

What will be your increase in april this year

Reply
- Staff
  
  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
  
  Reply

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Types

Funds

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Government Schemes

Get exclusive healthy living offers and guides

ahm Health Insurance

Looking for health insurance that promotes flexibility, choice and added value? ahm may be the right health fund for you.

Promotions currently on offer from ahm

Compare ahm's complete range of policies side-by-side

What policy options are available?

Summary of extras services

Are there any bonus benefits?

Are there member offers?

Paying your ahm health insurance premiums

How many hospital agreements does ahm have in my state and in total?

Is there anything I cannot claim for?

How do I make a claim?

Coming to Australia on a student visa?

Want to know more about ahm?

How many members does ahm service?

Some final details you might want know about

Latest headlines

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13 Responses

Types

Funds

Guides

Government Schemes

Get exclusive healthy living offers and guides

ahm Health Insurance

Looking for health insurance that promotes flexibility, choice and added value? ahm may be the right health fund for you.

Promotions currently on offer from ahm

Compare ahm's complete range of policies side-by-side

What policy options are available?

Full list of extras services

Full list of extras services

Are there any bonus benefits?

Are there member offers?

Paying your ahm health insurance premiums

How many hospital agreements does ahm have in my state and in total?

Is there anything I cannot claim for?

How do I make a claim?

Coming to Australia on a student visa?

Want to know more about ahm?

How many members does ahm service?

Some final details you might want know about

Can I add extras cover to a standalone hospital policy?

Is ahm nonprofit?

Can I change my policy?

What is a pre-existing condition?

If I have a pre-existing condition, am I excluded from cover?

How do excesses and co-payments work?

Does ahm offer ambulance cover?

Can I get dental cover with ahm?

Can I get optical cover with ahm?

Can I get physio cover with ahm?

Can I get chiro cover with ahm?

Can I get pharmacy cover with ahm?

Can I get natural therapies cover with ahm?

Can I get acupuncture cover with ahm?

Can I get psych/group therapy cover with ahm?

Can I get preventative cover with ahm?

Can I get hearing aid cover with ahm?

Can I get ahm health insurance as an international student?

Can I get Overseas Visitor Health Cover (OVHC) with ahm?

Read more on this topic

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