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black​+​white starter flexi

Hospital and extras package

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black​+​white starter flexi

Hospital and extras package

Starter flexi includes cover for accidents, partial rehab and a flexi extras limit that increases each year for 5 financial years.
Join and we’ll waive any 2 & 6 month waits on extras plus get 1 month FREE after your first 60 days.

Offer ends 31 OctoberMore info

Join and we’ll waive any 2 & 6 month waits on extras plus get 1 month FREE after your first 60 days.

Offer ends 31 October. More info

Australian Government Rebate 25.415%
Lifetime Health Cover loading 0%
Learn more about our Direct Cheapest Product PromiseDirect Cheapest Product Promise
Join and we’ll waive any 2 & 6 month waits on extras plus get 1 month FREE after your first 60 days.

Offer ends 31 OctoberMore info

Join and we’ll waive any 2 & 6 month waits on extras plus get 1 month FREE after your first 60 days.

Offer ends 31 OctoberMore info

Hospital

What’s included

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. Annual limits apply per person, per financial year.

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

Looking for more?Check out black+white lite flexi 

Spend your extras your way

You’ll get one amount to use on one, some or all of your included extras each financial year. 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

$550

Year 1

$550

Year 2

$600

Year 3

$650

Year 4

$700

Year 5

$750

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 $50 more to spend on your included extras each full consecutive financial year you stay with us, capped at $750 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.

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