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AHM Health Insurance Review 2022

Megan Fraser Updated: 09 June 2022
Types of Health Insurance

Whether you’re purchasing private health insurance for the first time or thinking about switching insurers, you deserve the best health care insurance plan for you and your family. AHM health insurance offers a wide range of options to choose from to find the perfect policy for your needs. Whether you’re interested in Hospital, Extras or Combined policy, AHM has an option that may be suited to you.

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AHM’s policies, you can create a custom plan that meets all your needs.
They provide 8 Hospital policies and 7 Extras policies to choose from.
Compare the various health insurance policies and plans today and find a policy that works for you and your family.

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  • Australian-Unity
  • AHM
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What does AHM offer

AHM health insurance offers a variety of plans to meet the needs and preferences of everyone. They have eight different Hospital policies and 7 Extra policies that you can combine into custom-made health insurance policies.

patient card 01

Who is AHM Private Health Insurance?

Australian Health Management is one of the top providers in Australia for private healthcare with over 700 000 satisfied customers. Founded 40 years ago in Wollongong and part Medibank, they’re committed to providing quality care at affordable prices you can afford.

This private health insurance company offers eight different Hospital policies and 7 Extra policies, which can be combined. This is a not for profit insurance company, where profits are invested into shareholders. This is often an idication of an insurer who values the requirements of their shareholders and customers.

Pros and Cons of AHM

Advantages

  • It won the Best Health Insurance Provider award in 2021
  • The Lifestyle Extras policy has no waiting periods on specific treatments, including general dental, physiotherapy, and optical
  • Ambulance service with all policies

Disadvantages

  • The Gold Hospital policy is more expensive than other private health insurance companies

Compare AHM Health Insurance Hospital policies

AHM health insurance has a variety of different plans to choose from, with each plan having its monthly price and benefits. An AHM private health insurance Hospital policy typically offers you the chance at affordable healthcare that still provides peace of mind knowing they’re there should anything happen. Compare policies to find an option suited to your requirements.

Starter Basic

Price per month: $99.65

Benefits

  • Dental surgery
  • Tonsils, adenoids and grommets
  • Rehabilitation
  • Hernia and appendix

Restrictions

  • Hospital psychiatric services
  • Rehabilitation
  • Palliative care

Essentials Basic Plus

Price per month: $105.10

Benefits

  • Dental surgery
  • Hernia and appendix
  • Tonsils, adenoids and grommets
  • Joint reconstructions

Restrictions

  • Hospital psychiatric services
  • Rehabilitation
  • Palliative care

Starter Bronze

Price per month: $114.25

Benefits

  • Everything included in Essential Basic
  • Back, neck and spine
  • Ear, nose and throat
  • Male reproductive system
  • Diabetes Management
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Breast surgery (medically necessary)
  • Eye (not cataracts)
  • Miscarriage and termination of pregnancy
  • Skin
  • Pain management

Restrictions

  • Hospital psychiatric services
  • Rehabilitation
  • Palliative care

Lite Bronze Plus

Price per month: $121.95

Benefits

  • Everything included in Starter Bronze
  • Male reproductive system
  • Bone, joint and muscle
  • Brain and nervous system
  • Gastrointestinal endoscopy
  • Tonsils, adenoids and grommets
  • Kidney and Bladder
  • Lung and chest
  • Dental surgery

Restrictions

  • Hospital psychiatric services
  • Rehabilitation
  • Palliative care

Core Bronze Plus

Price per month: $135.55

Benefits

  • Everything in Bronze Plus
  • Plastic and reconstructive surgery (medically necessary)
  • Bone, joint and muscle
  • Gynaecology
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Brain and nervous system

Restrictions

  • Hospital psychiatric services
  • Rehabilitation
  • Palliative care

Starter Silver

Price per month: $144.70

Benefits

  • Everything included in Bronze Core
  • Hernia and appendix
  • Skin
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Implantation of hearing devices

Restrictions

  • Hospital psychiatric services
  • Rehabilitation
  • Palliative care

Classic Silver Plus

Price per month: $148.00

Benefits

  • Diabetes management (excluding insulin pumps)
  • Digestive system
  • Palliative care
  • Rehabilitation

Restrictions

  • Hospital psychiatric services

Deluxe Silver Plus

Price per month: $203.20

Benefits

  • Everything included in Starter Silver
  • Assisted reproductive services
  • Blood
  • Gynaecology
  • Pain management with a device

Restrictions

  • Hospital psychiatric services

Top Hospital Gold

Price per month: $245.90

Benefits

  • Everything included in Deluxe Silver
  • Joint replacements
  • Sleep studies
  • Dialysis for chronic kidney failure
  • Weight loss surgery
  • Hospital psychiatric services

Restrictions

  • None

Compare Extras policies

The insurer offers a wide range of plans to suit every need. Some may be more expensive than others, but all have their advantages and disadvantages, which you should consider before deciding on any one plan. Compare Extras policies to find an option that works for you and your family.

Black 50 Saver

Price per month: $16.75

Benefits

  • General dental
  • Physiotherapy
  • Chiropractic
  • Osteopathy

Black 60

Price per month: $51.20

Benefits

  • Everything included in Black 50
  • Major dental
  • Endodontic
  • Physiotherapy
  • Remedial massage

Black 70

Price per month: $70.10

Benefits

  • Everything included in Black 60
  • Health management / Healthy lifestyle

Lifestyle

Price per month: $71.50

Benefits

  • Everything included in Black 70
  • Non-PBS pharmaceuticals
  • Acupuncture
  • Chinese medicine
  • Dietetics/dietary advice
  • Exercise physiology

Family

Price per month: $77.30

Benefits

  • Everything included in Lifestyle
  • Podiatry
  • Psychology
  • Hearing aids
  • Ante-natal/Post-natal classes
  • Eye therapy (orthoptics)
  • Occupational therapy
  • Speech therapy
  • Orthotics (podiatric orthoses)

Black 70 Boost

Price per month: $86.40

Benefits

  • Everything included in Lifestyle
  • Endodontic
  • Orthotics (podiatric orthoses)

Super

Price per month: $115.55

Benefits

  • Everything included in Family
  • Audiology

Combined cover

Members can choose combined coverage. While you have the option to choose Hospital and EXtras policies to merge into one umbrella policy for both you and your family, there are five pre-packaged combined policies. These follow the same suit as Extras and Hospital only policies, where different tiers and levels depend on budget and treatments covered.

Starter Flexi Basic

The Hospital Insurance policy is a great option for those who only require the essentials. This coverage covers you in case of an emergency. It allows no further assistance from Medicare or other third parties, avoiding costly fees like the Lifetime Health Cover Loading fee and the Medicare Levy Surcharge.

Essentials Flexi Basic Plus

With a policy that offers affordable coverage without compromising protection, this product includes treatment for accidents and more.

Lite Flexi Bronze Plus

This policy provides a standard set of minimum requirements for achieving the Bronze ranking, including coverage for back and neck treatments and other medical emergencies such as dental surgery.

Classic Flexi Silver Plus

If you’re looking for a policy that offers comprehensive cover without the added cost of insuring against specialised services, then this is an excellent option.

Deluxe Flexi Silver Plus

With the Silver policy, you are fully covered both inside and outside the hospital. The generous amount of extras ensures that your needs will be met regardless of medical emergencies, treatments, or services you need.

Health shield family 01

Ambulance cover

Ambulance cover for medical emergencies is included in all AHM Hospital and combined policies. Ambulance coverage comes with only a one-day waiting period. All Extras policies offered by AHM include unlimited emergency ambulance cover. However, AHM does not offer ambulance only cover.

How to Join AHM health insurance

There are a few ways to become a member of AHM, but the process is easy. Below is a list of ways to join this private health insurance company:

  • You can begin the joining and membership process by requesting a quote. You must fill in the form at the top of the insurer’s web page, and an insurance specialist will guide you through the application process.
  • You can receive a quote directly from the insurer’s website and follow the steps provided.
  • You can call an insurance provider on the website’s number and ask the specialist to walk you through the process or fill out the form for you.

Frequently Asked Questions and Answers

  • Is ahm part of Medibank?

    Yes, AHM is part of Medibank. Together, they make up one of the largest health insurance providers in Australia. With Medibank and Ahm combined, they can offer you a fairly priced range for your needs. AHM is still privately owned and 100% Australian-owned. It became part of Medibank Private Ltd, acquired in 2009.
  • Who is ahm owned by?

    AHM’s history can be traced back to Wollongong, NSW, where it was founded 40 years ago. In 2009 Medibank Private purchased the company, and since then, AHM’s membership has increased its following to over 700,000 members.
  • What does ahm stand for?

    AHM stands for Australian Health Management. It is a privately owned Australian company that offers and provides health care plans to its customers. It’s part of Medibank Private Ltd., one of Australia’s most recognised insurers for providing quality service with affordable prices in all types of insurance products, including hospital coverage and other areas such as travel/pet insurance.
  • Is Medibank or ahm better?

    This depends entirely on your specific and individual health care needs and requirements. While AHM and Medibank are not the same company, AHM is part of Medibank and can therefore be difficult to compare the two. When searching for health insurance, be sure to review and compare various policies and their prices before making your final choice.
  • Does ahm cover ambulance?

    Yes, every Extras, Hospital, and Combined policy packages include emergency ambulance cover, with a one-day waiting period. It is important to note that AHM does not provide ambulance only cover.
  • Does ahm cover plastic surgery?

    Only specific Hospital policies cover certain plastic surgery procedures, and most of these services are medically-necessary only surgeries. It is not possible to receive cosmetic surgery on many of their policies. However, if you have purchased a Gold Hospital policy, you can receive weight loss and breast surgery.
  • How do I claim AHM?

    To make a claim for your benefits, you can use the member card at any of our recognised extras providers. You may also download and submit an electronic form from their website or app). Finally, you have the option to download the claim from the AHM website and either email or post it to the health fund.
  • Does AHM have an app?

    Yes, AHM has an app that members can use to claim back on treatments and earn attractive benefits and discounts for their loyalty. The app allows members to easily access their private health insurance accounts and review the benefits they can obtain. The AHM app also includes health and fitness pages to help members keep on track with a healthy lifestyle.

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