Health Insurance Australia – Compare AHM with other health care providers
Review and compare AHM health insurance
AHM is part of the Medibank group and offers no-nonsense health insurance to more than 700,000 Australian members.
AHM aims to make it easier for members to make the most of their health cover. They offer straightforward private health insurance that removes the complexity that’s often associated with health insurance policies.
In addition to a range of hospital and extras policies, AHM offers travel insurance, car insurance, home insurance, life insurance and pet insurance.
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What health insurance policies does AHM offer?
AHM offers a range of private health insurance policies for singles, couples, families and single parents. Members can choose from nine levels of hospital-only cover, seven extras-only packages, or five combined hospital and extras policies.
Compare AHM private health insurance with other insurers on the No Worries panel.
What hospital cover options does AHM offer?
AHM private hospital cover lets you choose from nine different levels of hospital-only cover. AHM hospital cover can help you pay for services you receive if you’re admitted to hospital and treated as a private patient.
- AHM Starter Basic: AHM promotes their Starter Basic hospital cover as ‘just for accidents, just in case’. It pays restricted benefits towards rehabilitation, hospital psychiatric services and palliative care and excludes most other hospital services.
- AHM Essentials Basic Plus: This policy is a step up from AHM’s accident-only Starter Basic cover and pays benefits towards hospital essentials including:
- Tonsils, adenoids and grommets
- Joint reconstructions
- Hernia and appendix
- Miscarriage and termination of pregnancy
- Dental surgery
- AHM Starter Bronze: Starter Bronze is AHM’s best-selling hospital cover for singles. It includes all medical services covered by Essentials Basic Plus cover, plus:
- Brain and nervous system
- Ear, nose and throat
- Kidney and bladder
- Chemotherapy, radiotherapy and immunotherapy
- Skin
- AHM Lite Bronze Plus: Lite Bronze Plus policies include all services covered by Starter Bronze, plus:
- Back, neck and spine
- Dental surgery
- Lung and chest
- AHM Core Bronze Plus: Core Bronze Plus is AHM’s top bronze policy, offering more comprehensive cover than their other bronze-level options. Core Bronze Plus provides cover for plastic and reconstructive surgery deemed medically necessary.
- AHM Starter Silver: AHM’s Starter Silver offers silver category hospital cover that includes:
- Back, neck and spine
- Heart and vascular system
- Lung and chest
- Plastic and reconstructive surgery (medically necessary)
- AHM Classic Silver Plus: Silver Plus hospital cover includes Starter Silver benefits, plus:
- Insulin pumps
- Sleep studies
- Pain management with device
- Palliative care
- Rehabilitation
- AHM Deluxe Silver Plus: This policy offers comprehensive private hospital cover without services like pregnancy. Deluxe Silver includes:
- Joint replacements
- Cataracts
- Dialysis for chronic kidney failure
- Insulin pumps
- Pain management with device
- AHM Top Hospital Gold: AHM’s top-level hospital cover is the gold standard for peace of mind. It includes a wide range of treatments including:
- Back, neck and spine
- Cataracts
- Heart and vascular system
- Joint replacements
- Pregnancy and birth services
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What extras cover does AHM offer?
AHM has seven options for extras cover, which helps with the cost of health care and therapies that Medicare doesn’t cover. AHM’s entry-level extras policy, Black 50 Saver, gives members 50% back up to annual limits for basic services, while their Super Extras cover includes a broad range of extras and unlimited routine dental.
- AHM Black 50 Saver: This budget-friendly extras policy offers 50% back on included extras, up to your annual limit. It covers:
- Routine dental
- Physiotherapy
- Chiropractic
- Osteopathy
- Emergency ambulance
- AHM Black 60: Black 60 extras cover gives members 60% back on included extras and 100% back on optical (including frames, prescription lenses and contact lenses). It also covers:
- Complex and major dental
- Physiotherapy
- Chiropractic
- Remedial massage
- Emergency ambulance
- AHM Black 70: AHM’s Black 70 cover gives members 70% back on included extras and 100% back on optical. It covers the same services as Black 60 with additional payments towards health improvement services and treatments such as:
- Preventative tests
- Health checks
- Stress management courses
- Quit smoking benefits
- Exercise classes
- AHM Lifestyle Extras: Lifestyle Extras is AHM’s best-selling singles extras cover. It includes:
- Orthodontics
- Laser eye surgery
- Myotherapy
- Chinese medicine
- Pharmacy
- AHM Family Extras: Designed for families, this comprehensive policy covers a broad range of extras services for members of all ages. There are also no family limits, meaning everyone on the policy has their own limit. Family Extras includes:
- Orthodontics
- Speech therapy
- Occupational therapy
- Podiatry
- Hearing aids
- AHM Black 70 Boost: Members enjoy 70% back on a wider range of extras than AHM’s standard Black 70 policy, including:
- Optical
- Remedial massage
- Acupuncture
- Dietetics, nutrition and weight loss
- Podiatry and orthotics
- AHM Super Extras: Super Extras offers unlimited routine dental services along with generous limits on extras including:
- Optical
- Orthodontics
- Laser eye surgery
- Speech therapy
- Audiology
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How do AHM’s hospital and extras packages compare?
AHM offers five options for hospital and extras cover.
- AHM Starter Flexi Basic: A starter hospital and extras package designed for healthy singles and couples. Starter Flexi Basic includes:
- Routine and complex dental
- Physiotherapy
- Chiropractic
- Osteopathy
- AHM Essentials Flexi Basic Plus: Essentials Flexi Basic Plus is the next step up from Starter Flexi Basics. It includes basic hospital and additional extras such as:
- Dental surgery
- Hernia and appendix
- Joint reconstructions
- Tonsils, adenoids and grommets
- Remedial massage
- AHM Lite Flexi Bronze Plus: AHM’s most popular hospital and extras cover for singles, Lite Flexi Bronze Plus is a mid-range policy that includes everything in Essentials Flexi Basic Plus as well as:
- Back, neck and spine
- Dental surgery
- Tonsils, adenoids and grommets
- Acupuncture
- Pharmacy
- AHM Classic Flexi Silver Plus: Silver-level health cover that offers a $250 optical limit and covers members for:
- Heart and vascular
- Plastic and reconstructive surgery (medically necessary)
- Palliative care
- Rehabilitation
- Chinese medicine
- AHM Deluxe Flexi Silver Plus: AHM’s top-level hospital and extras cover. Members enjoy 100% back on optical services and coverage for:
- Joint replacements
- Cataracts
- Dialysis for chronic kidney failure
- Insulin pumps
- Sleep studies
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Does AHM cover ambulance trips?
More than 3 million Australians are assessed, treated or transported by ambulance services every year. That’s why AHM includes ambulance cover with every private health insurance policy after a one-day waiting period.
Members with hospital or hospital and extras cover are covered for medically necessary ambulance, which helps with the bill for ambulance fees when you medically need to be transported to the nearest hospital.
AHM members with an extras-only product receive emergency ambulance cover, which is more limited than medically necessary ambulance cover.
Compare AHM’s ambulance cover.
How does AHM’s No Gap Dental work?
While visiting the dentist isn’t at the top of many people’s to-do lists, leaving it too long between check-ups can mean little dental problems turn into big and expensive issues. That’s why AHM offers members up to two dental check-ups each financial year with no out of pocket cost for eligible products at selected dentists, subject to annual limits.
Members claiming No Gap Dental receive an average benefit of around $160 per visit, representing attractive savings for those who value regular dental check-ups.
No Gap Dental includes periodic and comprehensive examinations, a clean and polish or scale and clean, and fluoride treatment. It doesn’t include x-rays, tooth extractions or fillings – but AHM still pays benefits towards these services under routine dental cover as part of an extras policy.
Compare AHM’s dental offer with other health funds.
What is AHM’s Youth Discount?
AHM offers a Youth Discount to help make private health insurance more affordable for young adults. If you’re aged 18-29 and a principal member or partner, you can get a discount on your AHM hospital cover or the hospital part of a hospital and extras health insurance package. If you keep your hospital cover, the Youth Discount will continue to apply until you turn 41.
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Does AHM offer members special perks?
Absolutely. AHM members enjoy discounts and special offers from some of Australia’s leading health brands:
- Specsavers: AHM members get an advanced 3D eye scan (OCT) as part of every standard comprehensive eye test to help detect eye conditions earlier.Members also get 25% off a single pair of prescription glasses when purchasing from the $149 range or above, and receive 25% off a range of lens options including UltraClear SuperClean, Thin + Light, Reactions or Driving Tints.
- Goodlife Health Clubs: AHM members get a free 5-day trial for themselves and a friend before joining and 15% off selected new memberships at more than 85 Goodlife clubs nationally. You’ll also get complimentary quarterly coaching sessions with a Goodlife personal trainer and 20% off entry to the Goodlife 8 and 12-week challenges.
- OPSM: AHM members get 20% off all lenses and lens extras (such as anti-reflective UV coating and tinting), 15% of all non-prescription sunglasses and 10% off all contact lenses.
Do AHM private health insurance members get other insurance discounts?
They certainly do. AHM private health members receive the following discounts and offers on other AHM insurance products:
- 10% off AHM life insurance premiums
- Up to 15% off AHM car insurance
- Up to 30% off AHM home and contents insurance
- One month’s free pet insurance
- 10% off AHM
How can AHM members make a claim on their policy?
AHM members have several options when lodging a private health insurance claim:
- At a recognised provider: Present your AHM member card after your appointment, and the claim benefit will be processed on the spot if the health care provider has a HICAPS machine.
- Online: Log into your account at ahm.com.au and go to ‘make a claim’. Select the service you want to claim for from the list and click ‘start claim’. From here, you’ll enter the provider name or number, date of the service, item number and the amount paid. You may need to upload a copy of your receipt with your claim. Any benefits will be paid into the nominated bank account in 2-5 business days.
- Using the AHM app: Log into the AHM mobile app and go to the ‘claims’ tab. Select ‘start claim’ and enter the requested details. Any benefits will be paid into the nominated bank account in 2-5 business days.
- Email: Download a claim form from ahm.com.au and email your completed form and receipts to info@ahm.com.au with your name and member number in the subject line.
Is AHM part of Medibank?
Yes. AHM is part of the Medibank group, so AHM members can rest easy knowing they’re backed by one of Australia’s largest health insurers. Medibank Private bought AHM in 2009.
AHM is part of the No Worries health insurance panel!
Complete our online questionnaire to tell us what’s important when it comes to your health insurance needs and requirements and our experts compare AHM against our other providers to make sure it’s the best fit for you. If AHM is the best fund, you can sign up through No Worries. We’ll take care of all the paperwork and ensure you don’t need to re-serve any waiting periods you’ve served with a previous health fund.
