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ahm health insurance at a glance

  • They make private health insurance simple and straightforward, with digital self-service options for most of your needs.
  • An expert in-house customer service team based in Wollongong, Australia can help with any complex cases
  • ahm is backed by Medibank, one of Australia’s largest health insurers, for extra peace of mind
  • You don’t need to choose from a limited ‘network’ of extras providers; you can see any provider you like, as long as they’re recognised by ahm
  • They offer no-gap dental check-ups with eligible products at selected dentists (annual limits apply)
  • Get up to 100% back on optical items like frames, repairs and prescription lenses and contacts on eligible cover (annual limits apply)
  • Members’ discounts with popular brands like OPSM, Goodlife and Specsavers.

About ahm health insurance.

Ahm knows that health insurance can be confusing, so they do everything they can to provide Australians with straightforward, no-nonsense health insurance that covers the services which matter to them.

With ahm, you have more control over your cover, with a range of products available that let you choose the level of cover that suits you, so you only pay for and get the value that you need. You can sign up online in minutes and manage your account and claims through their easy-to-use online members portal or mobile app.

What does ahm health insurance cover?

Ahm offers a wide range of hospital, extras and combined cover products to fit a variety of circumstances. Whether you want a high level of comprehensive cover or want to avoid the Medicare Levy Surcharge, ahm has a policy for you.

This information is accurate as of February 2023. For the full details of what’s covered on an ahm health insurance policy, refer to the relevant product guide and the ahm member guide.

Hospital cover

An ahm hospital policy can help pay for your treatment as a private patient when you’re admitted to hospital. Ahm offers hospital policies from every tier, including several plus-tiered policies tailored to a range of healthcare needs.

Extras cover

An extras cover policy can contribute towards the cost of health services as an outpatient that Medicare doesn’t cover.

With ahm extras, you could pay nothing out of pocket for dental check-ups, up to your annual limit, with eligible products at select dentists. Depending on your policy, you may also be covered for up to 100% back on optical up to your annual limit. This could mean a free pair of glasses for each year you hold your policy.

Why choose ahm health insurance?

  • They have lots of options when it comes to affordable private health insurance
  • They simplify health insurance, so you know exactly what you’re paying for
  • Flexible extras and package options let you choose the way you want to use your extras
  • An expert in-house call centre provides members with excellent customer service

Frequently asked questions

Is ambulance cover included with ahm health insurance?

If you have an ahm hospital policy, you’ll be covered for medically necessary ambulance services provided by an approved ambulance provider. However, there may be a limit to the number of ambulance services they will pay for in a year, depending on your policy.

If you have an extras-only policy, ahm will pay a benefit towards emergency ambulance services provided by an approved provider. This could cover you for a sudden or unexpected hospitalisation where the only practical option to get to the hospital is via ambulance.

Does ahm health insurance cover pre-existing conditions?

Yes, ahm will cover you for pre-existing conditions. However, you will likely have to serve a 12-month waiting period before you can claim on any hospital services relating to your pre-existing condition. You may need to be evaluated by an ahm-appointed medical practitioner who will decide if your condition is considered pre-existing.

Does ahm health insurance have waiting periods?

Yes, you’ll likely need to serve a waiting period if you’re a new ahm member or if you upgrade to a higher level of cover. Hospital cover waiting periods are standardised across all health funds, with 12 months for pre-existing conditions and pregnancy and birth and two months for everything else. Palliative care, rehabilitation, and hospital psychiatric care waiting periods are two months, regardless of whether the condition is pre-existing.

How do I make a health insurance claim with ahm insurance?

When you receive treatment in a partner private hospital for a service covered by your hospital policy, they will typically send the bill straight to ahm, although you may have to pay the gap and/or excess and/or co-payment.

You can claim out-of-hospital services covered on your extras policy by scanning your ahm member card at your provider’s HICAPS machine. Ahm has digital cards for both iPhone and Android users, which can be used with HICAPS machines. You can also claim through the ahm app or web portal If none of these options is possible, you can claim by filling out a claims form and sending it to ahm via email or post.

How can I pay for my ahm health insurance, and is it cheaper to pay my premium annually?

While there is no discount for paying annually, several options are available for paying your premiums. You can elect to make your payments yearly, monthly, fortnightly or weekly.

You can pay your premiums through the following:

  • Direct debit
  • Visa or Mastercard
  • BPAY
  • Online

Do I have to pay an excess with ahm health insurance?

You will most likely need to pay an excess when you’re treated as a private patient and claim on your private health insurance. If you want to lower your premium, you can pay a higher excess or vice versa.

How do I cancel my ahm health insurance?

To cancel your ahm insurance policy, all you need to do is give them a call, and they will handle it from there. They will cancel your membership from the day they receive notice and will refund any premiums paid in advance.

Compare health insurance today

Want to see how ahm stacks up against the rest of the market? With our free comparison tool, you can compare health insurance policies from some of Australia’s most trusted health funds side-by-side. By comparing features, exclusions and costs, we can help you look for a policy that suits your circumstances.

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