Skip to main content
$- weekly

top hospital

Hospital cover

Cover me for:Price is for
cover in
per

top hospital

Hospital cover

Our top hospital cover includes everything from accidents to pregnancy, to hearts and brains, arms and legs.
Add eligible extras 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

Add eligible extras 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

top hospital
Australian Government Rebate 25.415%
Lifetime Health Cover loading 0%
Add eligible extras 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

Add eligible extras 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.

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

Customise your cover

Pick your daily charge

Pay less for your cover weekly by paying a daily charge. A daily charge is the amount that you will pay in the event that you are admitted to hospital.

Up to 1 night

Pay your daily charge per person on admission

2nd night

Pay another daily charge

$0

Every night
after that

+ any future hospital visits within your membership year!

Pick your daily charge

Pay less for your cover weekly by paying a daily charge. A daily charge is the amount that you will pay in the event that you are admitted to hospital.

Up to 1 night

Pay your daily charge per person on admission

2nd night

Pay another daily charge

$0

Every night
after that

+ any future hospital visits within your membership year!

  • $250

    daily charge

    What this means
    • you pay $250 per person on admission
    • capped at $500 per person for 2 nights or more
    • future hospital admissions within the same membership year have no daily charge
  • $400

    daily charge

    What this means
    • you pay $400 per person on admission
    • capped at $800 per person for 2 nights or more
    • future hospital admissions within the same membership year have no daily charge
    You save $0.00 a week
The daily charge cap
You’re on a $400 daily charge per person as a single with a cap of $800 and the family cap is $1600 each membership year.

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