Features to look out for
Features to look out for
Medically necessary ambulance
Medically necessary ambulance
Baked into all our ahm hospital and package products after a 1 day waiting period. If an Ambulance is Medically Necessary, we'll help pay benefits to getting you to the nearest hospital (as long as any limits have not been reached).^ Find out more
^ Transport to the nearest hospital that’s able to provide the level of care you medically need. Some ahm products limit the number of Ambulance services we’ll pay benefits towards per financial year. Check your product information to see if any limits apply. Some States and Territories have schemes that provide ambulance services for all or some residents, meaning that you may not need to hold separate ambulance cover.
Accident Override
Accident Override
Your safety net for when things go pear-shaped. Some cover options include Accident Override; meaning, if life throws a curveball, we can help cover hospital treatments needed as a result of the Accident that are usually Restricted or Excluded on your cover.^^ Find out more
^^ Waiting period of 1 day applies. Accidents are unplanned or unforeseen events resulting in bodily injury that require immediate medical treatment in a hospital. Excludes claims covered by third parties.
Looking for other inclusions?
Looking for other inclusions?
Want a little extra reassurance? Step it up to Core Hospital (Basic+) to get cover that provides benefits towards some inclusions like hernia & appendix, sleep studies, and dental surgery. Or check out our Bronze, Silver, or Gold levels of cover for additional inclusions. Waiting periods apply. Find out more
More reasons to get hospital cover
More reasons to get hospital cover
Youth discount
If you’re aged 18-29 and a Principal member or partner, you can get a discount on your hospital cover, and you keep that discount up until you're 41 (as long as you maintain your hospital cover). Plus, we'll recognise any existing youth discount if you're switching to us from another fund. Find out more
Tax time benefits
The Medicare Levy Surcharge (MLS) could be costing you extra at tax time, if you earn above a certain amount and don't have an appropriate level of private hospital cover for the full financial year***. Join ahm hospital cover and you could save on the surcharge next financial year – simple. More about tax & hospital cover
***Tax thresholds for MLS are set by the Government and the surcharge varies based on your income. If you're unsure whether the MLS applies to you, you should speak to a financial advisor.Affordable options to suit you
With different tiers of covers, payment frequencies and excess levels, you can compare and choose a cover that suits your current lifestyle.
Pay on your schedule
Schedule your payments as often as weekly, fortnightly, or monthly. Or, pay up to a year in advance to lock in your current premium prices.
Check out our basic cover options. Get started with…
ambulance hospital (basic)
Unlimited Medically Necessary Ambulance cover - that's straightforward.
ambulance & accident hospital (basic)
Accident Override that also overrides the excess - say no more.
core hospital (basic+)
Handy inclusions like sleep studies, dental surgery and joint reconstructions, and no excess for dependants - nice.
*Price is for single cover in NSW paying weekly by direct debit. Price reduced by an Australian Government Rebate of 24.288% (based on an age of under 65 years old, single income of $101,000 or less per year). Hospital price includes an excess of $750, excludes any Youth Discount and excludes Lifetime Health Cover loading.
Want to find out about extras cover?
Want to find out about extras cover?
For help with the bill for things like routine dental check-ups, chiro and physio – learn more about different extras and how they work here.
After more info about hospital cover?
After more info about hospital cover?
Find out how hospital with ahm works, types of cover, what to look out for, as well as some helpful answers to common questions.