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New joins on hospital & extras can get 6 weeks free after your first 60 days, and another 2 weeks free after 365 days. Plus, any 2 & 6 month waiting periods on extras waived. Offer ends 28 Aug 2025. See terms

Health insurance

You’re good with simple, smart and affordable private health insurance. From hospital cover to hospital and extras packages and more, get health cover for things you’ll actually use.

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Why ahm health insurance?

Join online in minutes

It only takes minutes to join ahm, but who’s counting? Just have your Medicare card and bank details handy, and you're good.

Easy online claiming

Our app is super easy to navigate, with heaps of handy features. Make a claim in minutes, manage your payments or check out your cover inclusions on the go!

We're locals

We’ve got some of the most knowledgeable support going around! Based out of Wollongong NSW, reach us via phone or webchat if you ever need to discuss getting the best value from your cover.

Peace of mind with 30 day cooling off

If you’re not happy, get in touch within the 30-day cooling off period – as long as you haven’t made any claims, you can cancel your cover or have a chat about other cover options that might suit your needs.

Affordable cover and great member perks

With a range of options to suit your budget, compare to find what's best for you. Plus - our health insurance members get sweet discounts on other products, like Travel, Pet, Life and Car insurance, and a bunch of other goodies too...

Same benefits back at your choice of provider

Got a favourite physio? With ahm you don’t need to choose from a limited ‘network’ of providers. Switching to us means you can get the same benefits back from any recognised provider you like.

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Extras cover

Insurance that helps with things like routine dental check-ups, chiro and physio. Annual limits and waiting periods may apply.

Only pay for what you'll use

With our choosable extras products, simply start with a base dental bundle and add inclusions from there. Find out more

More flexibility with flexi limits

Use your included extras however you like with a flexi limit on flexi packages. One total dollar amount to spend across the included extras you want to use the most. Available on eligible hospital and extras package cover. What are flexi limits?

No gap dental checkups

Get up to 2 dental check-ups per financial year with no out of pocket costs at select dentists* on eligible products (up to your annual limit). Learn more

* excludes specialists

Up to 100% back on optical

You read that right – on extras products with included optical, get up to 100% back on things like prescription glasses, frames, and contact lenses (up to your annual limit).^ More about optical cover

^ excludes choosable and flex extras 60

No 2 & 6 month waiting periods on some extras products**

Some of our extras products don’t have any 2 & 6 month waiting periods on included extras, so you can start using most of your extras sooner.

** classic extras, value extras, lifestyle extras, family extras, super extras

Emergency ambulance cover

Included on all our extras products for peace of mind: we've got your back if you ever need to be taken to hospital in an emergency. ^^ A one day waiting period applies. Find out more

^^TAS + QLD excluded as state government schemes already apply. If you live in NSW or ACT and have hospital cover, your hospital cover includes a levy to the ambulance service.

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Hospital cover

Help with the bill for included treatments when you’re admitted to hospital as a private patient. Waiting periods apply.

More choice and control

Choose your specialist or doctor in a private hospital, and be treated as soon as you and your doctors are ready (after you’ve served any waiting periods).

Peace of mind

Help with expenses for included treatments like doctor’s fees and accommodation, so you can live your life with less worry about what might happen.

Tax time benefits

The Medicare Levy Surcharge (MLS) could be costing you extra at tax time, if you earn above a certain amount***. Join ahm hospital cover and you could save on the surcharge – simple. More about tax & hospital cover

***Tax thresholds for MLS are set by the Government and the surcharge varies based on your income.

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.

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

Medically Necessary Ambulance

On all our hospital only and packaged hospital and extras cover, we pay benefits towards transportation to the nearest hospital for medical reasons. A one day waiting period applies. Learn more

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Find health insurance products that suit your lifestyle & family

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.

Browse bundles

Switching health funds? We'll handle the breakup

Just tell us the name of your current health insurer when you sign up, and care of the rest. Don’t worry, we’ll let them down gently.

Browse our 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.

More about Extras cover

Choose your own hospital & extras

Select the inclusions you want and check out cover options that suit your needs.

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Billboard stating "Got questions? We’ve got the answers"

Common questions

Hospital products help with the bill for included treatments or services when you’re admitted to hospital as a private patient. Different products include cover for different procedures, so always make sure you check out what’s included, as well as any excess that might apply.

Compare our hospital cover

Extras cover helps with the bill for things like dental check-ups, physio appointments, optical and more.

Compare extras cover here

Aside from helping with the bill for different health-related products and procedures, private health insurance can generally give you more choice. For example, having a policy with a health insurer like ahm means that if you need to go to hospital, you be treated as a private patient, so you can generally choose the doctors and specialists you see – and even the hospital itself.

If you earn over the minimum threshold amount per year and don't have appropriate hospital cover for you and all your dependants over the whole year, you may be charged the Medicare Levy Surcharge (MLS) at tax time. Join ahm hospital cover and you could save on the surcharge – simple.

Find out more here

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