Private Health Funds: AHM
Join ahm and discover why over 500,000 members have chosen ahm. We’re part of Medibank, so you’ll get the security and backing from Australia’s largest health insurer.
We’ve been around long enough to know that Australian’s want no-nonsense health insurance. Everything we do is about making things simpler, so you can make the most of what matters to you. With affordable health insurance packages, use and manage your cover online and experience top-notch, digital-first service. Or speak to our highly trained in-house customer service team, who are all about our members getting value from their private health insurance.
AHM was voted Best Health Insurer in 2011 in the Australian Financial Review’s Smart Investor SMILES Survey 2011/12.
- With selected ahm Health Insurance packages, members can combine extras limits into a single annual limit to use however you want on the included extras.
- Members can use their ‘flexi’ Extras limits for the included services that are most important to them – this can be spent on a single Extras service or spread across a few, for example.
Like most health funds, AHM offers hospital cover, extras cover and a combination of both.
All AHM Hospital packages include the standard benefits of having hospital cover. They currently have four options for hospital cover:
Budget Hospital – is ahm’s most basic level of hospital cover and includes a $500 excess. There are a lot of exclusions but it does include joint reconstructions, cancer treatment, bowel surgery and colonoscopies. There is also partial cover for psychiatric, rehabilitation, dialysis, major eye surgery and palliative care services.
Basic Hospital – is ahm’s Basic Hospital cover and includes a $500 excess. Unlike Budget Hospital, it includes palliative care, back surgery and joint replacements (excluding hip and knee).
Classic Hospital – ahm’s mid range hospital cover also includes cardiac-related procedures and rehabilitation. There is partial coverage for psychiatric services.
Top Hospital (No Obstetrics) – ahm’s broadest level of hospital cover excludes pregnancy-related services but includes assisted reproductive services, dialysis, gastric banding surgery and major eye surgery.
Top Hospital – ahm’s broadest level of hospital cover includes obstetrics, assisted reproductive services, psychology and weight loss surgery.
ahm offers four levels of Extras cover to suit a range of budgets and needs:
Basic Extras cover includes routine dental, optical, pharmacy, physio, chiropractic, osteopathy, diet and nutrition, and alternative therapies. For the most part, there are low limits attached to included extras – with the exception of emergency ambulance (which has no limit).
Lifestyle Extras is more comprehensive and also covers major dental, orthodontics, refractive sight correcting laser eye surgery, psychology, and various alternative/complementary therapies. Annual limits are slightly more generous than Basic Extras and go up after 5, 10, 15 and 20 continuous years of membership.
Family Extras also covers pre and post natal services, speech therapy, podiatry, hypnotherapy, travel and accommodation, occupational therapy and eye therapy.
Super Extras is the broadest option and has no limits for routine dental. It also includes orthotics.
Want to combine hospital and extras cover? AHM has packages designed to suit different life stages and budgets. This can help you to find cover that is appropriate for you. There are packages to suit families, younger singles and couples, and older singles and couples and options range from the very basic Starter Flexi to the broader Classic and Deluxe Flexi packages.
This is included in AHM hospital cover for policyholders who live in NT, SA, VIC or WA. If, however, you live in NSW or ACT then you may want to think about getting stand-alone ambulance cover as it is not included in those states. Bear in mind that you have state-provided cover if you live in QLD or TAS.
There are several ways that members can make claims. For extras, you can claim online. There is also the option to print off a claim form and return it to AHM (by free post) or to claim by phone.
AHM also offers HICAPS for members. Not familiar with this? It stands for Health Industry Claims and Payments Service. It is electronic and works in real time. Claims are processed there and then at your health care provider, so it is a quick and easy way to claim.
Ahm have loyalty bonuses for Extras cover that increase year-on-year, depending on how long members have held cover with them.