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.
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.
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.
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.
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.
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.
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.
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.
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:
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.
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.
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.
