black 50 saver
50% back on extras. Because we like easy maths.
50% back on included extras
up to your annual limit.
See who you like
You choose extras providers — not us.
Emergency ambulance included
TAS and QLD residents are covered by their state schemes.
Lifetime Health Cover Loading 0%
Annual limitsPer person
|Per family||Waiting period|
Maximum of 1 initial consultation per person per service.
|$300(shared limit)||$600(shared limit)||2 months|
Emergency AmbulanceTAS and QLD residents are covered by their State schemes.
|No limit||No limit||1 day|
A limit is the total amount you can claim back on extras. Limits are reset at the start of each financial year (1 July).
What is a waiting period?
This is a set amount of time you must wait before you can claim any money back for a service included in your cover.
A waiting period applies when you:
- first join, or re-join after some time without health insurance
- change to a higher level of cover
- get cover for additional services or increase your limits.
If you switch to us from another private health insurer, we’ll generally recognise any waiting periods you’ve already served for comparable extras.
You choose extras providers — not us
First, what exactly are extras providers? That’s just what we call the dentists, chiropractors, physiotherapists and many other professionals who provide health services. Unlike some health insurers, we let you choose which providers you can claim your included extras from, as long as they are legally qualified to practise in Australia and have been recognised by ahm.
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.