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black​+​white deluxe flexi

Hospital and extras package

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black​+​white deluxe flexi

Hospital and extras package

Top cover without pregnancy. Hip replacement, spinal fusion, dialysis, major eye, all included. In fact, it’s so comprehensive we’ve taken out accident cover, because in an emergency you’re already covered.

As part of the government health insurance reforms, this product will be called ‘deluxe flexi silver plus’ and will include the minimum standard clinical categories required for a ‘silver’ rating, ‘plus’ hospital services for pain management, insulin pumps and sleep studies. Find out more about the government health insurance reforms.

As part of the government health insurance reforms, this product will be called ‘deluxe flexi silver plus’ and will include the minimum standard clinical categories required for a ‘silver’ rating, ‘plus’ hospital services for pain management, insulin pumps and sleep studies. Find out more about the government health insurance reforms.

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

Offer ends 28 February 2019. More info

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

Offer ends 28 February 2019. More info

Australian Government Rebate 25.415%
Lifetime Health Cover loading 0%

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

Offer ends 28 February 2019. More info

Get a gift card worth up to

Offer ends 28 February 2019. More info

As part of the government health insurance reforms, this product will be called ‘deluxe flexi silver plus’ and will include the minimum standard clinical categories required for a ‘silver’ rating, ‘plus’ hospital services for pain management, insulin pumps and sleep studies. Find out more about the government health insurance reforms.

As part of the government health insurance reforms, this product will be called ‘deluxe flexi silver plus’ and will include the minimum standard clinical categories required for a ‘silver’ rating, ‘plus’ hospital services for pain management, insulin pumps and sleep studies. Find out more about the government health insurance reforms.

Hospital

From 1 April 2019, the standard clinical categories (as well as the MBS codes that sit within each category) will change. Below is a list of the included, restricted (which used to be known as ‘partially covered’) and excluded hospital services. Find out the specific MBS items impacted after April 1 2019.

Before April 1

What’s included

  • All joint replacements
  • All services covered by Medicare#
  • Bowel surgery
  • Brain surgery
  • Cancer therapies
  • Colonoscopies
  • Contraceptive procedures & vasectomy
  • Dialysis
  • Grommets in ears
  • Gynaecological procedures
  • Heart
  • Hysterectomy
  • Joint investigations & reconstructions
  • Major eye surgery
  • Nerve pain treatment
  • Palliative Care
  • Plastic & reconstructive surgery
  • Rehabilitation
  • Removal of appendix
  • Removal of tonsils & adenoids
  • Spinal fusion
  • Vascular & varicose vein surgery
  • Wisdom teeth

What’s partially covered

  • Psychiatric services

What’s excluded

  • Assisted reproductive services
  • Obstetrics
  • Weight loss surgery

Other features include

  • Accident Override
  • Ambulance
  • No excess for kids
#This does not include services that are partially covered or excluded from this product.
Lifetime Health Cover loading and Medicare Levy Surcharge, still confused? Find out more

Extras

What’s included

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 deluxe flexi you get a separate limit of $300 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

$1100

Year 1

$1100

Year 2

$1200

Year 3

$1300

Year 4

$1400

Year 5

$1500

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 $1500 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