ahm health insurance

ahm are established, with over 40 years experience in providing more than 700,000 Australians with private health insurance. And ahm is part of Medibank, so you’re backed by one of Australia’s largest health insurers.
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What types of policies does ahm health insurance offer?

ahm health insurance offers a range of health insurance packages:

  • Hospital: Helps to provide benefits towards the cost of in-hospital treatment should you require it.
  • Extras: Pays benefits towards additional services that fall outside the hospital that aren’t usually covered by Medicare. Depending on the policy, this can include dental, optical and physiotherapy treatment.
  • Hospital & Extras: Exactly as the name suggests, this cover combines the previous two policies together into a single, simple to understand package.

What hospital cover options does ahm health insurance have?

There are four tiers of hospital cover available with ahm health insurance. They are:

  • Basic: Basic cover is there ‘just in case’ for accidents and some limited procedures.
  • Bronze: Bronze cover adds some important services to your basic cover such as chemotherapy.
  • Silver: Silver cover adds even more services on top of what you receive with bronze such as heart.
  • Gold: Gold cover includes all services available.

There are also several sub-tiers within the Basic, Bronze and Silver categories referred to as “pluses” which allow you to choose a cover more suitable to your needs without moving to the tier above.

ahm’s rehab programs and in-home services

With ahm Hospital Cover, you can also get access to other benefits such as their in-home services. This could include rehab following a surgical procedure, further treatment requiring a nurse following a hospital stay.

  • Hospital in the home: This is where ahm may organise for a nurse to visit you in your home following a hospital stay, assisting you in having a comfortable recovery. This could include having wound dressings changed, IV infusions, and other hospital services.
  • Reconditioning rehab: This is not an in-home benefit, but with ahm, eligible members could receive coverage for reconditioning rehab services, which can include cardiac rehab, rehab after stroke or other neurological health issue, or a rehab program to re-build your strength following a hospital stay.
  • Rehab at home after joint replacement surgery: An extensive rehab program is sometimes required after you’ve undergone a joint replacement surgery. With ahm, you may be eligible to undergo this program from the comfort of your home, instead of at hospital or in a specialised centre.

How many private hospitals does ahm health insurance have agreements with in my state?

The benefits paid by your insurer for hospital services will vary depending on whether your insurer has an agreement with that particular hospital.

Depending on the arrangement, you may not have any out-of-pocket expenses for your accommodation or a significant reduction. You’re entitled to and should always ask your hospital or health insurer for an estimate in advance of the costs of your treatment, in both private and public hospitals. You can also search for your nearest private hospitals here.

Remember to always check with your doctor or specialist regarding their treatment charges for inpatient services. These packages can vary in terms of what they cover, so we suggest to discuss this with a consultant if you have any questions.

Does ahm health insurance offer any discounts or additional perks to members?

They sure do. If you’re aged 18-29 you might be eligible to get a discount on your hospital cover with ahm health insurance. There’s also a great range of ‘perks’ available to ahm health insurance members, which you could find out about here.

  • Goodlife health club discounts off new selected memberships
  • Michelle Bridges 12WBT discounts

How can I manage my cover with ahm?

Managing your ahm health insurance cover online is a breeze. Once you’ve created an account on, you can make and view claims, use AHM’s handy benefit calculator, check out waiting periods, order replacement cards and even search for partner private hospitals.

On top of that, you can also download the ahm app and use it to process all your claims.

How can I manage my premium payments with ahm?

With ahm health insurance you have got a couple of options on how keep your policy up to date so you can claim.

  • Direct Debit
  • BPAY
  • Phone / 134246

How to make a claim with ahm?

There’s a number of options available to you when making a claim with ahm health insurance.

  • On the spot. If you’ve got your ahm membership card, you can claim instantly following your treatment at providers with HICAPS.
  • Via a mobile app. By taking a photo of your receipt using your smartphone, you can submit eligible claims using the ahm app.
  • Similar to the app, you can log on to and lodge your eligible claim there.
  • By post, you fill out a claim form and post to: AHM Health Insurance, Locked Bag 1006, Matraville, NSW, 2036

Looking to purchase ahm health insurance?

Compare from a range of policies and providers online with iSelect or give our friendly team a call on 13 19 20.

Last updated: 23/02/2021

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