You are here:

Reviewing AHM Health Insurance: What You Need to Know

Choosing the right health insurance provider is crucial, as it significantly impacts your healthcare experience and financial health. AHM stands out as a provider known for its straightforward, flexible coverage options that cater to a diverse clientele.
Fact Checked

Updated: 02 July 2024

AHM, a prominent figure in the Australian health insurance market, offers a variety of plans designed to meet the unique needs of individuals and families. From basic hospital cover to comprehensive combined plans. This guide will explore the details of AHM’s hospital, extras, and combined plans, highlighting key features and benefits to help you make an informed decision about your health insurance needs.

Key facts

Compare Health Insurance Quotes

Protect what’s most important to you. It’s easy, convenient and free!

By clicking ‘Request Your Quotes’, you agree and accept our Privacy Policy and Terms of Use and consenting to us contacting you about the products and services provided.

Coverage Options

Costs Analysis

Premiums for AHM health insurance can vary significantly depending on factors such as tier, age and lifestyle, influencing how much members pay. Additionally, co-pays and deductibles are crucial in determining the out-of-pocket costs members must handle themselves. 

Evaluating the cost-effectiveness of different plans is essential for finding the best balance between comprehensive coverage and manageable costs. This analysis helps members select a plan that meets their health needs and aligns with their financial capabilities.

Which policy is right for me?

Hospital Cover
Monthly Premium
Extras Cover
Monthly Premium
Combined Cover
Monthly Premium
ESSENTIALS BASIC PLUS
$115.45
CHOOSABLE 50 – TEETH
$17.20
ESSENTIALS FLEXI BASIC PLUS
$173.25
STARTER BRONZE
$117.65
BLACK 50 SAVER
$18.80
ESSENTIALS PACKAGE BASIC PLUS
$175.20
SIMPLE BRONZE PLUS
$119.70
BLACK 50
$24.50
LITE FLEXI BRONZE PLUS
$203.95
CORE BRONZE PLUS
$150.65
VALUE EXTRAS
$43.50
LITE PACKAGE BRONZE PLUS
$205.25
CLASSIC SAVER SILVER PLUS
$161.05
CHOOSABLE 60 – TEETH / WELLBEING
$50.45
CLASSIC FLEXI SILVER PLUS
$249.35
STARTER SILVER
$162.35
CLASSIC EXTRAS
$54.65
CLASSIC PACKAGE SILVER PLUS
$250.50
ELEVATE SILVER PLUS
$171.15
BLACK 60
$55.75
DELUXE FLEXI SILVER PLUS
$314.00

Source: Privatehealth.gov.au (June 2024: Premium estimates for a single individual residing in NSW)

AHM Customer Service

AHM prioritises accessible and efficient customer service, recognising that excellent support is crucial for customer satisfaction and trust. AHM offers multiple contact channels, including phone, email, online chat, and in-person branches, ensuring policyholders can seek assistance through whichever means they prefer. 

This multichannel approach helps address various inquiries and issues promptly, from coverage questions to claim support. The company also invests in training its customer service team to handle queries effectively, ensuring that every policyholder receives informed and helpful responses.

Changing Coverage Levels

AHM recognises that individuals’ health insurance needs can change over time, so it offers flexible options for adjusting coverage levels. This flexibility allows policyholders to adapt their insurance as their life circumstances change, such as family size, health status, or financial situation. 

AHM provides clear guidelines for upgrading or downgrading coverage, ensuring members can easily align their health insurance with their current needs without excessive bureaucracy or delay. This adaptable approach is particularly beneficial for those who experience life events that could significantly alter their healthcare needs.

Adding Family
Members and
Customization

AHM’s health insurance plans are designed to be flexible regarding coverage levels, allowing policyholders to customise their policies and add family members as needed. Adding a spouse, children, or other d