What does joining direct mean?

Joining health insurance direct through ahm means you can get access to our exclusive offers, and full range of products. Woohoo!

Why join direct?

Exclusive offers

We’ve got some pretty sweet offers that are only available when you sign up to ahm directly. Awesome value! See our offers.

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Access all of our insurance options

You can get access to our full range of products so you can choose the cover and price that’s right for you.

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Loyalty Rewards

The longer you stick with us, the more your annual flexi limit for extras on eligible extras or hospital and extras packages will grow. So not only will you get to spend your extras your way, you’ll also get more to spend each year! Check out our product guide to find out more.

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How do loyalty limits work?

The longer you stay with us, the more you’ll benefit.

How it works

After your first full financial year, your annual flexi limit for included extras will increase by $100 each 12 months the Principal Member has held an eligible cover with us. So that means we can help you with your bills more and more, for each year you stay with us (capped at the 5 year mark). 

Check your product guide
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What is extras cover?

Help with the bill for things like routine dental check-ups, chiro and physio.

Find cover that suits your needs

Tell us what you need and we’ll show you cover that suits. You can even choose your payment frequency and excess.

Choose your own extras

With our choosable extras you start with the base bundle – teeth and emergency ambulance – then add the extras bundles you’ll actually use, including eyes, wellbeing, or muscle & bone.