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Discover AHM Health Insurance

Megan Fraser Updated: 05 August 2021
Types of Health Insurance

When looking into private health insurance, whether you’re purchasing a new plan or want to switch from your current policy, it’s important to compare and review a wide range of options.

AHM health care insurer offers 8 Hospital and 7 Extras policies. This insurer provides you with the option to combine policies to make a custom plan that is best suited for you. Compare all of the policies offered by this insurer to determine whether they offer the right option for your requirements.

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Call 1300 795 560
  • Australian-Unity
  • AHM
  • NIB
  • HIF
  • Phoenix-Health
  • AIA

About AHM private health insurance

Australian Health Management is a private health care company providing over 700 000 Australians with reliable health insurance policies. Having been around for over 40 years and as part of Medibank, the company is one of Australia’s top health care providers.

Benefits of cover from AHM

  • No gap dental check-ups mean that you’ll receive two dental check-ups per year without having to pay a cent.
  • Members ages 18 to 29 receive discounts on Hospital cover.
  • There are many perks from being a member, including attractive discounts on a wide range of products and insurance policies.
  • You have the option to combine hospital and extras to create a unique package best suited to your health requirements and lifestyle.

Waiting periods

AHM Hospital cover

The company offers over nine different Hospital plans from which to choose. Each policy has its own monthly price, benefits, and monthly/annual limits.

PlanPrice (per month)BenefitsRestricted Cover
Basic Hospital$99.65
  • Accident only cover
  • Hospital psychiatric services
  • Rehabilitation
  • Palliative care
Basic Plus$105.10
  • Dental surgery
  • Hernia and appendix
  • Tonsils, adenoids and grommets
  • Joint reconstructions
  • Hospital psychiatric services
  • Rehabilitation
  • Palliative care
Bronze Plus (Lite)$121.95
  • Back, neck and spine
  • Ear, nose and throat
  • Male reproductive system
  • Bone, joint and muscle
  • Eye (not cataracts)
  • Brain and nervous system
  • Gastrointestinal endoscopy
  • Hospital psychiatric services
  • Rehabilitation
  • Palliative care
Bronze Plus (Core)$135.55
  • Plastic and reconstructive surgery (medically necessary)
  • Bone, joint and muscle
  • Gynaecology
  • Podiatric surgery (provided by a registered podiatric surgeon
  • Brain and nervous system
  • Hospital psychiatric services
  • Rehabilitation
  • Palliative care
Silver (starter)$144.70
  • Breast surgery (medically necessary)
  • Hernia and appendix
  • Skin
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Implantation of hearing devices
  • Hospital psychiatric services
  • Rehabilitation
  • Palliative care
Silver Plus (classic)$148.00
  • Tonsils, adenoids and grommets
  • Dental surgery
  • Joint reconstructions
  • Diabetes management (excluding insulin pumps)
  • Kidney and bladder
  • Digestive system
  • Lung and chest
  • Ear, nose and throat
  • Male reproductive system
  • Palliative care
  • Rehabilitation
  • Hospital psychiatric services
Silver Plus (Deluxe)$203.20
  • Assisted reproductive services
  • Eye (not cataracts)
  • Back, neck and spine
  • Gastrointestinal endoscopy
  • Pain management
  • Blood
  • Gynaecology
  • Pain management with device
  • Hospital psychiatric services
Gold Hospital$245.90
  • Joint replacements
  • Sleep studies
  • Dialysis for chronic kidney failure
  • Kidney and bladder
  • Tonsils, adenoids and grommets
  • Digestive system
  • Lung and chest
  • Weight loss surgery
  • Ear, nose and throat
  • Male reproductive system
There is no restricted cover

Source: PrivateHealth.gov.au 03 May 2021

AHM Extras

The insurer offers over seven Extras cover plans, each with different rates, waiting periods, and annual limits.

PlanPrice (per month)Waiting PeriodAnnual Limits
Black 50 Saver$16.75
  • 2 Months: General dental, Physiotherapy, Chiropractic, Osteopathy
  • General dental: $400
  • Physiotherapy, Chiropractic, Osteopathy: $300
Black 60$51.20
  • 12 Months: Major dental, Endodontic
  • 6 Months: Optical
  • 2 Months: General dental, Physiotherapy, Chiropractic, Remedial massage, Osteopathy
  • General dental: $650
  • Major dental, Endodontic: $600
  • Optical: $200
  • Physiotherapy, Chiropractic, Osteopathy: $350
  • Remedial massage: $200
Black 70$70.10
  • 12 Months: Major dental, Endodontic
  • 6 Months: Optical
  • 2 Months: General dental, Physiotherapy, Chiropractic, Remedial massage, Osteopathy
  • General dental: $650
  • Major dental, Endodontic: $600
  • Optical: $200
  • Physiotherapy, Chiropractic, Osteopathy: $350
  • Remedial massage: $200
  • Health management: $200
Lifestyle Extras$71.50
  • 12 Months: Major dental, Endodontic, Orthodontic
  • General dental: $500
  • Major dental: $750
  • Endodontic: $600
  • Orthodontic: $600
  • Optical: $200
  • Non-PBS pharmaceuticals: $350
  • Physiotherapy: $350
  • Chiropractic: $350
  • Psychology: $250
  • Acupuncture: $400
  • Dietetics/dietary advice: $400
  • Health management: $250
  • Osteopathy: $350
Family Extras$77.30
  • 12 Months: Major dental, Endodontic, Orthodontic, Hearing aids, Orthotics (podiatric orthoses)
  • Dental: $750
  • Endodontic: $600
  • Orthodontic: $700
  • Optical: $220
  • Non-PBS pharmaceuticals: $350
  • Physiotherapy: $300
  • Chiropractic: $300
  • Podiatry, Psychology: $250
  • Acupuncture, Remedial massage: $300
  • Hearing aids: $1200
  • Dietetics/dietary advice: $250
  • Eye therapy: $250
  • Health management: $250
  • Occupational therapy: $250
  • Orthotics: $150
  • Osteopathy: $300
  • Speech therapy: $250
Black 70 boost$86.40
  • 12 Months: Major dental, Endodontic
  • 6 Months: Optical
  • 2 Months: General dental, Physiotherapy, Chiropractic, Remedial massage, Osteopathy, Health management, Non-PBS pharmaceuticals, Podiatry, Acupuncture, Dietetics/dietary advice, Exercise physiology, Orthotics (podiatric orthoses)
  • General dental 2 $700
  • Major dental, Endodontic: $750
  • Optical 6 $200
  • Non-PBS pharmaceuticals 2 $350
  • Physiotherapy, chiropractic: $400
  • Podiatry, Psychology: $250
  • Acupuncture, Remedial massage: $250
  • Dietetics/dietary advice: $250
  • Health management: $250
Super Extras$115.55
  • 12 Months: Major dental, Endodontic, Orthodontic, Hearing aids, Orthotics
  • Major dental: $1100
  • Endodontic: $1000
  • Orthodontic: $900
  • Optical: $250
  • Non-PBS pharmaceuticals: $500
  • Physiotherapy: $600
  • Chiropractic: $400
  • Podiatry: $300
  • Psychology: $300
  • Acupuncture: $400
  • Hearing aids: $1600
  • Audiology: $300
  • Dietetics/dietary advice: $400
  • Eye therapy: $300
  • Health management: $250
  • Occupational therapy: $300
  • Orthotics: $200
  • Osteopathy: $400
  • Speech therapy: $300

Source: PrivateHealth.gov.au (03 May 2021)

Combined Hospital and Extras Packages

Starter Flexi Basic

The cover option might be better suited to young and healthy singles or couples looking for a budget-friendly policy that includes Entry-level coverage.

  • In-hospital treatment as a private patient in a public or private hospital
  • 1 Ambulance service per year for singles and 2 for couples

Essentials Flexi Basic Plus

Affordable cover that provides basic in-hospital treatments, combined with a $700 flexi limit on Extras.

  • Joint reconstructions & investigations
  • Surgical removal of wisdom teeth
  • Removal of tonsils, adenoids, grommets & appendix
  • Minor gynaecological procedures
  • General dental & endodontic
  • Optical
  • Physiotherapy and chiropractic
  • Remedial massage

Lite Flexi Bronze Plus

Combines a broader range of hospital procedures with a $800 flexi limit.

  • Brain surgery
  • Bowel surgery
  • Cancer therapies
  • Colonoscopies
  • Transcutaneous electrical nerve stimulation (TENS) for pain relief
  • Non-PBS pharmaceuticals

Classic Flexi Silver Plus

Provides more than just the basics for Hospital cover and Extras with a $900 flexi limit.

  • Palliative care
  • Heart-related procedures
  • Implantation of hearing devices
  • Insulin pumps & diabetes management
  • Podiatric surgery
  • Orthotics & Orthopaedic shoes

Deluxe Flexi Silver Plus

Top cover with $1,100 Flexi limit for Extras. It might be best suited to people needing more medical care, as this is the only package option that includes:

  • Major dental
  • Cataract surgery
  • Hip and knee replacements
  • Dialysis for chronic kidney failure

Health Insurance Quotes

  • Reduce out-of-pocket expenses
  • Keep you family healthy
  • Easy and convenient
  • Free to use

Want to talk to a specialist? Call 1300 795 560

Does AHM give any discounts or benefits?

This health care insurers offer many discounts and benefits when becoming a member. To promote and encourage a healthier lifestyle, the company provides Health Improvement Benefits where you can claim money back on various programs and purchases.

Below is a list of these perks:

How to join AHM

You can begin the joining and membership process by requesting a quote. To do this, 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. Alternatively, you can receive a quote directly from the insurer’s website and follow the steps provided.

How to claim Hospital and Extras benefits

You can claim for your benefit by using your member card at any recognised Extras providers. You can also use the app to make most Extras claims. Another method is to log into your account online and make a claim through the website. Finally, an alternative option is to download the claim form from the AHM website and either email or post it to the health fund.

Frequently asked questions and answers

  • About AHM private health insurance

    Australian Health Management is a private health care company providing over 700 000 Australians with reliable health insurance policies. Having been around for over 40 years and as part of Medibank, the company is one of Australia’s top health care providers.
  • Is AHM and Medibank private the same?

    No, it is a private health insurer that forms as part of Medibank. The privately owned health company is 100% Australian-owned that was founded in 1971. It became part of Medibank Private Ltd acquired in 2009 and today has over 700 000 members across the country.
  • What does AHM insurance stand for?

    AHM stands for Australian Health Management. The health care company is a privately owned Australian business that forms part of Medibank Private Ltd. The insurer offers and provides an attractive range of Hospital and Extras plans and policies, as well as other insurance types such as travel and pet insurance.
  • Is AHM a profit or non-profit fund?

    The company is a profit medical health insurer. The company forms part of the Medibank group and is, therefore, a for-profit health fund. This means that the insurer aims to return a profit to its shareholders and owners.
  • Is AHM any good?

    With over 700 000 members and having been around for over 40 years, this health insurer is considered a ‘good’ health insurance provider. But this depends on your individual and specific health requirements. The best way to check if a company is good is to request a quote.
  • Does AHM have ambulance cover?

    Yes, when becoming a member of the Hospital policy, you’ll receive coverage for medically necessary ambulance transportation. But it is important to remember that the amount you can claim for ambulance services is dependent on the Hospital policy you choose.
  • How to cancel your AHM health insurance?

    You can easily cancel your policy with the health insurance company by calling them on the number given on their website. It’s important to remember that only the principal member can cancel the entire policy.
  • How much does AHM cover cost?

    This depends entirely on which Hospital or Extras policy/option you choose. Hospital cover can cost anything between $105.10 and $203.20, whereas an Extras plan can cost between $16.75 and $115.55 a month.

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