4 ways to unlock more value from your health insurance

Make sure you're getting the most out of your health insurance with these simple tips.

It always makes sense to look for value in your everyday expenses. Here are some of the ways you can get better value in your health insurance.

Get started with ahm

1. Unused extras limit rollover

One of the most annoying things about paying for health insurance is running out of time to actually use it.

The good news is that it doesn't have to be this way.

ahm is choosing to roll over most unused extras annual limits on 1 July 2025.

This means that most of your unused extras limits from the prior financial year can still be used in the next financial year, starting 1 July. For those who take out an ahm extras cover before 30 June 2025, it could mean up to double the usual annual extras limits.

This offer is available to both existing members who retain their cover (or take out a new extras cover) and new members².

All you need is to have an ahm extras cover on 30 June 2025.

Provided you have eligible unclaimed extras annual limits from the 2024/2025 financial year, they'll carry over to the new financial year.

Offers like this mean you don't need to miss out when it comes to using your extras.

You can find all of the fine print on the ahm website.

Sign up to ahm

2. Flexible limits

ahm features flexi limits on their combined hospital and extra packages.

This means you're able to decide the best way to use your cover to suit your needs.

You're not locked into only having a set limit for specific types of extras services, you get one amount to use across all of your included extras services, so you can choose how to spend the limit.

In many cases, you're also able to combine this flexibility with the extras limit rollover, giving you a larger amount to use as you need across most of your extras next financial year.

3. Ambulance insurance

Really important fact alert!

Each state and territory provides ambulance services differently, and Medicare won't cover any of the costs.

Some ambulance costs may be waived in some states (for example, if you're a concession card holder) or not charged at all in other states.

For specific information, visit the ahm ambulance cover help page.

However, ahm does include unlimited emergency ambulance cover on all ahm extras covers and unlimited medically necessary ambulance cover on all hospital covers.³

Just note that there's a one-day waiting period and certain exclusions may apply. Check out the ahm website for more information.

4. Membership perks

With the right health insurer, you can get access to perks that can help you live a healthier lifestyle overall.

After all, the best health care is preventative!

Switching to ahm unlocks a range of membership perks, which currently include:

• 2 for 1 movie tickets at HOYTS on Fridays⁴
• A free 6-month membership to the National Pickleball League for eligible members (on eligible covers)⁵
• ahm extras optical benefits and discounts at Specsavers⁶ and OPSM⁷
• Savings on some tax services with H&R Block⁸

Plus, on selected extras products, ahm can help you out with the bills for some of the below services:

• Benefits towards Cancer Council UV products⁹
• Gym membership and/or classes to manage a specific health condition¹⁰
• 100% back on optical¹¹
• Custom-made mouth guards¹¹

Make sure to find out what's included in your extras cover and any applicable limits.

Learn more about getting cover with ahm

More information about ahm

1. To be eligible for the extras annual limit rollover, you need to:

• Hold an ahm extras product on 30 June 2025.
• Have eligible unclaimed 2024/2025 financial year extras annual limits. Any unused annual limits from the 2023/2024 financial year that were previously rolled over into the 2024/2025 financial year will not be rolled over again.
• Maintain the same extras product that you held on 30 June 2025. If you change to another extras product after 30 June 2025, any annual limit rollover will no longer apply to your new product.
• Limit rollover excludes: optical and orthodontics where they have a separate annual limit, pre and post-natal services and joint fluid replacement injections rolling year limits, laser eye surgery and orthodontics lifetime limits and hearing aid limits which reset every 3 financial years.

Please visit https://ahm.com.au/explained/limits-rollover for more information on eligibility and inclusions

2. If you were with ahm this financial year, any extras claims made this financial year may be deducted off your limits when you rejoin. But any eligible unused extras annual limits will roll over for another year from 1 July 2025.

3. TAS and QLD excluded as state government schemes already apply. If you live in NSW or ACT and have hospital cover, your hospital cover includes a levy to the ambulance service.

4. Limited time only. Online booking fees and surcharges may apply. For full terms and conditions, check out https://ahm.com.au/perks/hoyts

5. Available to eligible ahm members with hospital only, extras only, hospital and extras, or ambulance only cover. To find out more, visit https://ahm.com.au/pickleball

6. Please visit http://ahm.com.au/perks/specsavers for more information on eligibility and inclusions.

7. Please visit https://www.opsm.com.au/eye-care/benefits/health-funds/ahm for more information on eligibility and inclusions.

8. Please visit https://ahm.com.au/perks/hr-block for more information on eligibility and inclusions.

9. Waiting periods and annual limits apply. Available on selected extras covers only with Health Improvement benefits as an included service. Cosmetics, clothing, shade and accessories ranges excluded.

10. Must be approved by your health provider. Waiting periods and annual limits apply. To find out more, visit: https://help.ahm.com.au/hc/en-us/articles/115005293767-Can-I-claim-for-exercise-classes

11. Waiting periods and annual limits apply. Available on selected extras covers only.