I’m looking for teeth / wellbeing / muscle & bone

teeth / wellbeing / muscle & bonechoosable 60 extras cover

*Price is for single cover in NSW paying weekly by direct debit. Price reduced by an Australian Government Rebate of 24.608% (based on an age of under 65 years old, single income of $93,000 or less per year).

60% back on included extras

up to your annual limit.

Annual bundle limits

Use all of your limit on one type of service in the bundle, or spread it across a few.

No gap dental check-ups

Available at select dentists.

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We are customer satisfaction award winners!

I’m looking for teeth / wellbeing / muscle & bone

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I’m looking for teeth / wellbeing / muscle & bone

Change this

teeth / wellbeing / muscle & bonechoosable 60 extras cover

60% back on included extras

up to your annual limit.

Annual bundle limits

Use all of your limit on one type of service in the bundle, or spread it across a few.

No gap dental check-ups

Available at select dentists.

(opens in a new tab)

We are customer satisfaction award winners!

Price is for single cover in NSW paying weekly by direct debit. Price reduced by an Australian Government Rebate of 24.608% (based on an age of under 65 years old, single income of $93,000 or less per year).

Extras

What’s included

Teeth

2 months

On this product, we pay benefits towards routine dental up to your annual limit.

Dental treatments include:

x-rays
examinations and consultations
clean and polish procedures
tooth extractions
minor restorative services such as fillings.

On this product you get 2 no gap dental check-ups at select dentists^

That’s 2 dental check-ups with no out of pocket cost every financial year (up to your annual limit). No gap dental check-ups include comprehensive and periodic examinations, clean and polish or scale and clean, and fluoride treatments only. Excludes x-rays, tooth extractions and fillings. Waiting periods may apply.
Find a participating dentist

^Excludes specialists

Annual bundle limit

$800

Orthodontics has a lifetime limit of $1800.
Lifetime limit explained

Ambulance

1 day

We define this as emergency transport to hospital due to a sudden or unexpected event where the only practical way of getting to a hospital is by ambulance.

We also pay towards attendance fees where an ambulance is called but transportation isn’t required.

We don’t pay benefits for ambulance subscriptions and we don’t pay benefits for other ambulance services such as:

transfers between hospitals
travelling from home to hospital for tests
any transport on discharge from hospital (e.g.hospital to home)

Tasmania and Queensland have State schemes that cover ambulance services for residents of those States.

1 day waiting period applies.

Muscle & bone

Annual bundle limit

$400

Wellbeing

2 months

On this product, we pay benefits towards health improvement up to your annual limit.

Depending on your level of extras health cover, we'll contribute to the costs of some treatments designed to keep you healthy.

Some included treatments are:

quit smoking benefits
Cancer Council UV products
preventive tests
health checks
stress management courses
disease management association fees
exercise classes

Some restrictions apply and you may need medical evidence that you qualify for some benefits.

2 months

On this product, we pay benefits towards pharmacy up to your annual limit.

Benefits are paid towards non-PBS pharmacy items that are prescription-only and prescribed by a medical practitioner. This includes oral contraceptives and cosmetic pharmaceuticals for medical conditions, travel and other vaccinations, and hormonal implants that are essential to treat a particular illness, injury or condition.

We’ll pay a benefit for each eligible pharmacy item after you pay the set PBS general patient amount as a co-payment up to your limit.

Items available without a prescription including over the counter, off the shelf, herbal medicines and vitamins can’t be claimed.

Annual bundle limit

$300

You choose extras providers — not us

First, what exactly are extras providers? That’s just what we call the dentists, optometrists, chiros, physios and other professionals who provide health services. Unlike some health insurers, we’ll pay the same benefits at most extras providers, as long as they are legally qualified to practise in Australia and have been recognised by ahm. So you choose your provider, not us.

Know what you’ll get back

Use our benefit calculator to find out upfront what you’ll get back on your extras services. To see what we pay for each service view the product guide.

No gap dental check-ups

We’ve struck a great deal at select dentists^ to offer you up to 2 dental check-ups per financial year with no out of pocket costs (up to your annual limit).

No gap dental check-ups include:

Periodic and comprehensive examination
Clean and polish or scale and clean
Fluoride treatment

Excludes x-rays, tooth extractions and fillings. To learn more and find select dentists, visit our no gap dental page

^Excludes specialists

Supporting documents

Before buying any of our health insurance, it’s important that you read and understand the product information for the cover you have chosen.

Product guide (pdf)(opens in a new tab)

Member guide (pdf)(opens in a new tab)

Common questions

With ahm choosable extras, you can build your extras around what you actually need. Simply start with our teeth and emergency ambulance bundle then choose extras bundles that you’ll actually use. You can choose to add a range of bundles that cover everything from your eyes, wellbeing and muscle & bone. Better yet, you can choose how you use the extras in each bundle and even choose to switch out your bundles when your needs change (bundle limits and waiting periods apply)!

As soon as you have served your waiting periods.

If you’re switching from another private health insurer, we’ll generally recognise any waiting periods you’ve already served for comparable benefits.

A waiting period is a set amount of time before you can claim any money back for a service included on your cover. Waiting periods apply when you first join (or re-join after not having had health insurance for some time) or if you change to a higher level of cover that has additional services or higher limits.

For more information on claiming and waiting periods see the Member Guide.

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 with increased benefits.
change to a cover with additional services or increase your limits.
add an additional bundle to your cover.

If you switch to us from another private health insurer, we’ll generally recognise any waiting periods you’ve already served for comparable extras.

If you’re going to switch to ahm, you can browse our products and then sign up easily online or by phone. If you’d like to change your cover, simply contact us(opens in a new tab) and we’ll help you review the details and make the change.

Important stuff to know about changing your cover:

You may have to serve waiting periods for any additional services or items not previously included or that have an increased benefit (e.g. higher bundle limits or changing cover to reduce your daily charge or hospital excess).
You may have different annual limits, daily charges and/or hospital excesses to your previous cover.
Even if you change to a higher level of cover, in some instances certain services may become unavailable – make sure you check the things you need are still included on your new cover.
Keep in mind that if limits apply to your cover, any benefits previously paid under your old cover will be taken into account.

Why ahm?

Straightforward private health insurance

We take a fresh approach to health insurance and cut out the complexity. Everything we do is about making things simpler, so you can make the most of what matters to you.

30 day cooling off period

Just let us know within 30 days of joining and as long as you haven’t made any claims we’ll refund your premiums. Simple.

Join in a matter of minutes

It takes less than 3 minutes to join ahm, but who’s counting? Have these goodies handy and you’re set to go:

Your Medicare card
Visa, Mastercard or bank account details

Safe and secure payment

Pay by Direct Debit, Mastercard or Visa

Mastercard or Visa cards incur a 0.21% surcharge

Switching private health insurance?

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

Private Health Insurance Code of Conduct

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Join now

teeth / wellbeing / muscle & bonechoosable 60 extras cover

60% back on included extras

Annual bundle limits

No gap dental check-ups

teeth / wellbeing / muscle & bonechoosable 60 extras cover

60% back on included extras

Annual bundle limits

No gap dental check-ups

Extras

What’s included

Teeth

Ambulance

Muscle & bone

Wellbeing

You choose extras providers — not us

Know what you’ll get back

No gap dental check-ups

Supporting documents

Common questions

Why ahm?

Straightforward private health insurance

30 day cooling off period

Join in a matter of minutes

Safe and secure payment

Switching private health insurance?

$- weekly