When looking for health cover from a private health fund, like AHM Health Insurance, you want to find the best option for your requirements. Discover what AHM private health insurance offers, how much their policies cost, and what you won’t be covered for.
AHM Health Insurance Review
Many people don’t know what they are covered for and might not realise that there are other, more affordable or relevant options available. We aim to provide you with the information needed for you to find the best value for your premium and avoid nasty surprises, like hidden costs.
About AHM Private Health Insurance
AHM was founded in 1971 in Wollongong. It was acquired in 2009 by Medibank, one of Australia’s largest health insurers. With over 40 years of experience, AHM offers a range of policies and now has more than 500,000 members.
AHM Health Insurance cover options
AHM offers 6 Hospital Cover, 5 Extras Cover and 5 Combined Cover options to suit many different types of people and at various price points.
Review AHM Hospital Cover
AHM Hospital Cover policies will cover you for the cost of hospital treatments and many specialised services, depending on the level of cover that you choose.
AHM offers 6 Hospital Cover plans, including:
Comparing hospital cover options
|Services covered||White Starter||White Lite||White Boost||White Classic||White Deluxe||Top Hospital|
|All joint replacements|
|All joint reconstructions & investigations|
|Assisted reproductive services (Including In Vitro Fertilisation and Gamete intrafallopian transfer)|
|Cancer treatment (Including chemotherapy and radiotherapy)|
|Heart-related procedures (Including angiograms, stents, open heart, and bypass surgery)|
|Major eye surgery (Including cataracts)|
|Removal of appendicitis|
|Spinal fusion surgery|
|Weight loss surgery|
Compare & Review AHM Extras Cover options
You can get quality Extras Cover and have the freedom to mix and match their different Extras policies with your Hospital policy. You can even purchase your choice of Extras Cover as a standalone policy. There are 5 options to choose from:
- Black 50 Saver
- Black 60
- Lifestyle Extras
- Family Extras
- Super Extras
AHM Combined Cover options reviewed
If you prefer to bundle your Hospital and Extras Cover together into one policy, then this might be a viable option for you. You can tailor your own cover by mixing and matching Extras and Hospital policies, but it is often simpler to take out one of their pre-packaged cover options. There are 5 combined cover plans to choose from:
- Starter Flexi
- Lite Flexi
- Boost Flexi
- Classic Flexi
- Deluxe Flexi
|Combined policy||What’s Included|
|Starter Flexi: From $17.50 weekly|
|Lite Flexi: From $21.35 weekly|
|Boost Flexi: From $25.60 weekly|
|Classic Flexi: From $31.45 weekly|
|Deluxe Flexi: From $39.40 weekly|
Exclusions: What’s not covered?
- If you claim for treatment that is excluded from your AHM policy.
- If you claim for treatments/services performed during the waiting period on your policy.
- If you claim for personal items in hospital, like newspapers, phone calls, and Internet usage.
- If you claim for accommodation or theatre fees at a non-agreement hospital.
- If treatment is subject to a waiting period at the time, you received it.
- If you claim for take-home bandages and dressings.
- If you are claiming for cosmetic surgery.
- If you are claiming for restricted or excluded services.
- If you are claiming for podiatric (foot) surgery.
- If you claim for costs of services that aren’t covered by Medicare.
- If it’s for a treatment/service that hasn’t been received
- If your claim is not lodged within two years of the date of service.
- If you claim for charges above the minimum benefit for surgically implanted prostheses.
- If you claim for services/treatments performed outside of Australia.
AHM Pros and Cons
Even though there are many benefits to having private health insurance, it’s important to examine all the features, benefits, and exclusions to make sure you choose the best option for your needs.
|AHM comes with the security and backing of a trusted national brand, Medicare, and they are the only brand with no individual limits on Extras, helping you claim more and waste less.||Even with their most comprehensive Combined Cover policies, you can end up with partial cover for psychiatric services and exclusions for obstetrics-related services.|
|You get loyalty rewards, which means that the annual benefit limits on some Extras services will increase every year that you maintain your cover with AHM.||Ambulance services for Tasmania and Queensland residents aren’t covered by AHM Health Insurance. These members must claim from state schemes.|
|Choose your own provider: No penalties if you visit a non-preferred provider for any extras services. You receive full cover no matter where you are treated.||Not all policies give you unlimited cover for medically necessary ambulance trips to the nearest hospital able to provide the level of care you require.|
|Each hospital and combined policy offer multiple excesses and co-payment options that can assist in reducing the cost of your premiums.||The lump sum benefit for extras in the combined package policies won’t apply, and you will be subject to the sub-limits and shared limits of the extras policy you choose.|
|No daily charge applies to dependent children, students, or adults on your policy, and the daily charge is waived if you’re hospitalised due to an accident.||You get what you pay for. If you decide to go for the cheapest option, you might not have the level of cover you need and if you decide to go for more cover, your premium will be higher.|
Frequently asked questions about AHM Health Insurance
What is AHM OSHC?
AHM OSHC (Overseas Student Health Cover) provides affordable student health insurance for people travelling from abroad to study in Australia. When you apply for OSHC through AHM, you are provided with access to an interpreter service, a 24-hour helpline for emergency medical assistance and counselling for both stress and trauma.
What is the difference between AHM and Medibank?
AHM is a business of and owned by Medibank Private Ltd. With the backing of its parent company, AHM and Medibank operate as two separate brands. While both offer a comprehensive range of private health insurance cover options, each has their own branding, their own unique way of offering their products, and their own terms and conditions.
Can I get dental cover with AHM health insurance?
Yes. You can get access to AHM dental cover with their Extras Cover and Hospital & Extras Cover, as both these cover options include a dental benefit. The complexity and cost of the dental procedures you would like to have covered depends on the level of cover you choose.
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