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Cover me for:Price is for
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$- weekly

Add hospital cover to get 6 weeks free + no 2 & 6 month waits on extras. See terms
Add hospital cover to get 6 weeks free + no 2 & 6 month waits on extras. See terms

black 50 saver

50% back on extras. Because we like easy maths.

50% back on included extras up to your annual limit

Emergency ambulance included
TAS and QLD residents are covered by their state schemes.

You choose extras providers, not us

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Add hospital cover
black 50 saver
Australian Government Rebate 25.934
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Add hospital cover to get 6 weeks free + no 2 & 6 month waits on extras. See terms
Add hospital cover to get 6 weeks free + no 2 & 6 month waits on extras. See terms

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.


What’s covered

Service
Annual Limits
Per person
 Per familyWaiting Period

Routine dental

$400$8002 months

Physiotherapy

Chiropractic

Osteopathy


Maximum of 1 initial consultation per person per service.
$300(shared limit)$600(shared limit)2 months

Emergency Ambulance

TAS and QLD residents are covered by their State schemes.
No limitNo limit1 day
Looking for optical cover?Check out black 60 

About limits

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.

Hospitals are a pain

That’s why people add Hospital cover – it can ease hip pocket discomfort if you have an accident.

See white lite hospital cover

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.

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PHI code of conduct

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