Health insurance for families explained

Having a family isn’t cheap, but if you choose your family private health insurance wisely, it can provide peace of mind and not cost the earth.

Adding kids to your cover

Adding a child to a couple, single parent family or family membership

If you already have a couple, single parent family or family cover when your baby is born, all you need to do is add them to your membership by calling us on 1300 492 172. If you want the baby to be included on your membership from their date of birth, then you need to do this within 12 months of their date of birth. The baby will only need to serve any waiting periods that have not already been served by the Principal Member.

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Adding a child to a single membership

If you’re on a single cover, then you’ll need to change to a family (or single parent) cover, and add your baby to the membership by calling us on 1300 492 172. The request must be made within 2 months of the baby’s date of birth to ensure your baby is included on your membership from their date of birth and don't have to serve any waiting periods that have already been served by the Principal Member. You'll need to pay any difference in premiums from their date of birth.

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Choosing cover for your family

You don’t just need health insurance for the family, you need health insurance for your family. We get it. That’s why we offer a range of different family cover options:

 

New families

Expecting a baby? If you’re on a single or couples cover, all you need to do is make sure your baby is added within 2 months after birth. And if you’re on family cover (including single parent family) you have up to 12 months.

This way, the baby won’t have to serve any waiting periods that you’ve already served under your cover. (Also – congrats!)

Want cover for pre and postnatal care? Learn more.

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Families with younger kids

If the baby stage is a mere mashed-banana-covered memory, then you probably won’t need pregnancy or birth cover – but you might want a swag of family extras cover to deal with things like braces, dental check-ups, speech therapy, and even kids’ swimming lessons in certain circumstances

Good news is, the longer you stay with us, the more you get, with your annual limit on some extras services increasing when you’ve been with us for 5, 10 and 20 continuous financial years.

 

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Single parent families

If you’re raising kids solo, you’re probably a superhero – so we have cover to suit. Our single parent health insurance options come with a lower premium than standard family plans, but will still give you peace- of-mind (if not actual peace and quiet.)

 

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Common questions

No gap dental

You could get up to 2 dental check-ups per financial year with no out of pocket cost on eligible products and services at selected dentists, subject to annual limits and waiting periods. Excludes x-rays tooth extraction and fillings. 

Pre & postnatal 

We have hospital cover that can help with the bills for services and treatment provided in hospital during pregnancy, childbirth and following delivery.

Optical

You'll get 100% back (up to your annual limits) on the cost of things like frames, repairs and prescription lenses and contacts on selected extras cover. 

Emergency ambulance

ahm Unlimited Emergency Ambulance cover is Australia-wide and is included on all ahm extras products after a 1 day waiting period.

What about braces?

If you and your child have held extras cover with orthodontics included, for 12 months, then you’ll be able to claim Orthodontic benefits.