ahm Health Insurance Review

Hospital coverage

• 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.

Extras coverage

• Choosable Extras. This new ahm product comes with a base bundle of teeth and emergency ambulance, then lets you choose from optional extras bundles so you only pay for the cover you actually need.
• 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.

Combined coverage

• 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.

Ambulance coverage

ahm medically necessary ambulance cover is included on all ahm hospital and package products after a 1-day waiting period. You can get ahm unlimited emergency ambulance cover with all ahm extras products. Unlike some funds, ahm doesn't offer an ambulance-only insurance policy.