ahm health insurance review

ahm offers a broad range of policies with affordable premiums, but if you’re looking for the lowest price possible, cheaper options are available.

4.1 ★★★★★ (115 reviews) Write a review

Our verdict

Pros

  • ahm's Value Extras policy won Best Medium Extras Health Insurance and their Family Extras policy won Best Comprehensive Extras Health Insurance in Finder's 2025 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's Gold Hospital cover is about $79 a week, 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.

What types of health insurance does ahm offer?

Ahm have a range of health insurance policies available. Keep in mind, you should compare a range of policies to help find the best health insurance for your needs.

8 of 8 results
Treatments Rewards Price
ahm health insurance logo
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
$105.50
per month
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ahm health insurance logo
core hospital (basic+)
Basic Plus$750 excess
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
$113.05
per month
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ahm health insurance logo
starter bronze
Bronze$750 excess
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
$119.10
per month
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ahm health insurance logo
simple bronze plus
Bronze Plus$750 excess
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
$121.20
per month
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ahm health insurance logo
core bronze plus
Bronze Plus$750 excess
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
$152.50
per month
More info
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ahm health insurance logo
essentials silver plus
Silver Plus$750 excess
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
$153.00
per month
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ahm health insurance logo
core silver plus
Silver Plus$750 excess
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
$227.80
per month
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ahm health insurance logo
advanced hospital gold
Gold$750 excess
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
$419.80
per month
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Showing 8 of 8 results
10 of 16 results
Treatments Rewards Price
ahm health insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
$17.20
per month
Want up to 8 weeks free extras cover? For new joins who maintain eligible extras. T&Cs apply. Learn more.
More info
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ahm health insurance logo
black 50 saver
Extras cover
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$19.70
per month
Want up to 8 weeks free extras cover? For new joins who maintain eligible extras. T&Cs apply. Learn more.
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ahm health insurance logo
value extras
Extras cover
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
$43.50
per month
Want up to 8 weeks free extras cover? For new joins who maintain eligible extras. T&Cs apply. Learn more.
More info
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ahm health insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
$51.90
per month
Want up to 8 weeks free extras cover? For new joins who maintain eligible extras. T&Cs apply. Learn more.
More info
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ahm health insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
$54.45
per month
Want up to 8 weeks free extras cover? For new joins who maintain eligible extras. T&Cs apply. Learn more.
More info
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ahm health insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
$54.85
per month
Want up to 8 weeks free extras cover? For new joins who maintain eligible extras. T&Cs apply. Learn more.
More info
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ahm health insurance logo
black 60
Extras cover
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
$56.85
per month
Want up to 8 weeks free extras cover? For new joins who maintain eligible extras. T&Cs apply. Learn more.
More info
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ahm health insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
$67.65
per month
Want up to 8 weeks free extras cover? For new joins who maintain eligible extras. T&Cs apply. Learn more.
More info
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ahm health insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
$67.95
per month
Want up to 8 weeks free extras cover? For new joins who maintain eligible extras. T&Cs apply. Learn more.
More info
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ahm health insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
$70.95
per month
Want up to 8 weeks free extras cover? For new joins who maintain eligible extras. T&Cs apply. Learn more.
More info
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Showing 10 of 16 results
5 of 5 results
Treatments Rewards Price
ahm health insurance logo
starter flexi basic
Basic$750 excess
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
$143.60
per month
Want up to 10 weeks free? For new joins who maintain eligible combined hospital & extras. T&Cs apply. Learn more.
More info
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ahm health insurance logo
essentials flexi basic plus
Basic Plus$750 excess
Hospital
Extras
$184.60
per month
Want up to 10 weeks free? For new joins who maintain eligible combined hospital & extras. T&Cs apply. Learn more.
More info
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ahm health insurance logo
lite flexi bronze plus
Bronze Plus$750 excess
Hospital
Extras
$217.15
per month
Want up to 10 weeks free? For new joins who maintain eligible combined hospital & extras. T&Cs apply. Learn more.
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ahm health insurance logo
classic flexi silver plus
Silver Plus$750 excess
Hospital
Extras
$265.90
per month
Want up to 10 weeks free? For new joins who maintain eligible combined hospital & extras. T&Cs apply. Learn more.
More info
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ahm health insurance logo
deluxe flexi silver plus
Silver Plus$750 excess
Hospital
Extras
$334.70
per month
Want up to 10 weeks free? For new joins who maintain eligible combined hospital & extras. T&Cs apply. Learn more.
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Showing 5 of 5 results

What do Australians think of ahm health insurance?

  • 4.09/5 overall for Customer Satisfaction - lower than the average of 4.13
  • 4.44/5 for Trust - lower than the average of 4.46
  • 4.1/5 for Customer Service - lower than the average of 4.17

Based on ahm health insurance scores in Finder's 2024 & 2025 Customer Satisfaction Awards.

How to make a claim

For extras claims, you can claim in-person at your healthcare provider, by using your ahm member card - but only if they have a HICAPS machine. If not, you can claim online via your account or through the ahm app.

For hospital claims, it'll depend on if you've received a bill from your specialist. If you have received a bill, you'll need to fill in a Medicare claim form and a two-way claim form to submit your claim to Medicare first. Medicare will then process your forms and send them to ahm to process.

If you've received a Medicare Statement of Benefits, you'll need to fill in an ahm claim form and send it to ahm along with the Statement of Benefits. You can do this online via your account or by sending both forms to Locked Bag 4, Wetherill Park NSW 2164.

"Great value policy, solid coverage and fairly priced. Easy to change policies in the internal AHM app as circumstances change. "

Anthony Shakinovsky
Finder crew member

Complaints info

Looking at the most recent Private Health Insurance Ombudsman complaints data, ahm did pretty well. Along with it's parent company Medibank, ahm received a lower number of complaints than its market share. Specifically it got 17.9% of all complaints, with 26.7% market share.

A decent part of that performance is down to the fact that Defence Health had a shocker of a year, racking up a whopping 31.6% of all complaints with just 2% market share! This was because of a disastrous system malfunction in 2023. That said, ahm/Medibank still has a better complaints record than most of the big health funds, with only hbf having a lower complaints ratio.

Finder Awards badge

Congratulations, ahm!

ahm was a big winner in the 2025 Finder Awards.

  • Highly commended, Best Bronze Hospital Health Insurance: simple bronze plus
  • Winner, Best Medium Extras Health Insurance: value extras
  • Winner, Best Comprehensive Extras Health Insurance: Family Extras
  • Winner, Best Health Insurance - Dental:

Full list of 2025 health insurance winners

Why you can trust Finder's health insurance experts

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FAQs

Sources

Tim Bennett's headshot
To make sure you get accurate and helpful information, this guide has been edited by Tim Bennett as part of our fact-checking process.
Nicola Middlemiss's headshot
Journalist

Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

Nicola's expertise
Nicola has written 257 Finder guides across topics including:
  • Personal finance
  • Personal insurance, including car, health, home, life, pet and travel insurance
  • Commercial business insurance

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