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black​+​white classic flexi

Hospital and extras package

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black​+​white classic flexi

Hospital and extras package

The perfect cover for singles, couples and families who aren’t content with just the basics. Combine an increasing $900 flexi extras limit, a further $250 for optical and cover for essential hospital procedures, you’ll soon feel at ease with black+white classic flexi.
Some Natural Therapy services are being removed from this product from 1 April 2019. Find out more.
Get a gift voucher worth up to $100 (after your first 60 days).

Offer ends 20 December 2018. More info

Get a gift voucher worth up to $100 (after your first 60 days).

Offer ends 20 December 2018. More info

Australian Government Rebate 25.415%
Lifetime Health Cover loading 0%
Get a gift voucher worth up to $100 (after your first 60 days).

Offer ends 20 December 2018. More info

Get a gift voucher worth up to

Offer ends 20 December 2018. More info

Hospital

What’s included

# This does not include services that are partially covered or excluded from this product.

Although these services are included, there still may be some out-of-pocket expenses as some doctors and medical practitioners charge more than what is set out in the Medicare Benefits Schedule (MBS).

More about out-of-pockets

A note on ambulance: Tasmania and Queensland have state schemes that cover ambulance services for residents of those states.

What’s partially covered

We’ll cover some of the costs of the above items but not all, so you will end up with out of pocket expenses if you go to a private hospital or are in a private room in a public hospital.

More about out-of-pockets

What’s excluded

For these excluded services the cost of treatment won’t be covered at all. This won’t stop you from going to a public hospital as a public patient for treatment.

Lifetime Health Cover loading and Medicare Levy Surcharge, still confused? Find out more

Extras

What’s included

Want a little more and a bigger limit?See black+white deluxe flexi 

Make the most of your extras

You’ll get one amount to use on one, some or all of your included extras each financial year. Plus, with black​+​white classic flexi you get a separate limit of $250 to spend just on optical. Limits apply per person, per full financial year. Sub-limits and waiting periods apply.

Know what you’ll get back

Use our Benefit calculator to find out upfront what you’ll get back. To see what we pay for each service view the product guide.

Stick with us and you’ll be rewarded

When you join

$900

Year 1

$900

Year 2

$1000

Year 3

$1100

Year 4

$1200

Year 5

$1300

Your annual flexi limit for included extras will start increasing after you’ve been with us for one full financial year. This means you get a $100 more to spend on your included extras each full consecutive financial year you stay with us, capped at $1300 in year 5. The flexi limit is calculated by using the number of full continuous financial years the Principal Member has held cover with us.

No gap dental check-ups

We’ve struck a great deal with a number of dentists to offer you 100% back on dental check-ups.

Dental check-ups include only:
Periodic and comprehensive examination
Clean and polish or scale and clean
Fluoride treatment

Just a heads up, claims paid for dental check-ups come off your annual flexi limit which resets every financial year (1 July).

Find a participating dentist

Common questions

How to join

On average it takes 5 minutes to join ahm. But who’s counting? Just have these goodies handy and you’re set to go:

  • 5 minutes
  • Your Medicare card
  • Your payment details
Safe and secure payment

MasterCard or Visa cards incur a 0.21% surcharge

Switching today?

Just tell us the name of your current health insurer and we’ll take care of the rest. Don’t worry, we’ll let them down gently.
More about how switching works

30 day cooling off period

It’s OK if you change your mind. Just let us know within 30 days of joining and as long as you’ve made no claims we’ll refund your premiums.

Before buying any of our health insurance, it’s important that you read and understand the product information for the cover you have chosen. We recommend you keep a copy of the product guide for future reference.

Private Health Insurance Code of Conduct