Want up to 12 weeks free?
Use our code:
Want up to 12 weeks free?
New joins who maintain on hospital & extras can get 6 weeks free after their first 60 days, and another 6 weeks free after 395 days. Plus, any 2 & 6 month waiting periods on extras waived. Offer ends 30 Jun 2026. See terms
Family cover
Whether it’s a regular teeth clean or an unexpected hospital stay, ahm’s family health insurance can help support your family’s health and wellbeing, for both life’s routine appointments and unplanned events. From growing families to single-parent households, compare our extras and hospital cover options to find cover that suits you, and the people you love, best.
With ahm family cover, you’re good!
No excess for kids
No excess for kids
Hospital cover isn’t just for the big stuff; it’s your financial safety net when things go pear-shaped. But if your kids end up in hospital, we'll waive any excess for any dependent included on your family’s health cover. Available on selected family hospital cover, for included services.
Emergency Ambulance cover sorted
Emergency Ambulance cover sorted
Unlimited Emergency Ambulance cover is included on all of our extras only products, for extra peace of mind if you need to be taken to hospital in an emergency. A one day waiting period applies. Find out more
Claim the useful stuff
Claim the useful stuff
Depending on your level of ahm extras cover, you could also claim on useful stuff like select Cancer Council UV products, swimming lessons for children 0– 17 years#, and stress management courses provided by a psychologist– something for the whole family! Some waiting periods and annual limits apply. More about Health Improvement Benefits
No 2 & 6 month waiting periods on some extras products^
No 2 & 6 month waiting periods on some extras products^
Some of our extras products don’t have any 2 & 6 month waiting periods on included extras, so you can start using most of your extras sooner.
No provider network
No provider network
With ahm, we don’t generally have a 'limited network' of extras providers. You’ll get the same benefit for included services at most recognised providers†- so you don’t have to switch from your usual physio or chiro! No travelling across town hunting for new clinics — just stick with the people you already know and trust.
Because accidents happen
Because accidents happen
Kids are full of energy — and sometimes, that means the unexpected happens. With Accident Override, benefits are payable for the initial hospital treatment for injuries resulting from an Accident^^. Plus, if ahm covered the initial treatment under Accident Override, we’ll also pay benefits for any ongoing hospital treatment that resulted from that same accident. A one-day waiting period applies. Find out more about accident override
What families commonly claim for on our products:
Custom mouthguards (included under ‘routine dental’ extras)
Braces (orthodontics)
New specs
Massage and Physio
Speech therapy and occupational therapy
Gastrointestinal endoscopy
Hospital treatment for things like colonoscopies or gastroscopy.
What is a ‘Family Limit’?
What is a ‘Family Limit’?
If you're looking to get extras cover for the whole family, you’ll notice some extras product inclusions have a ‘family limit’. A family limit is the maximum total amount that can be claimed by all members on your family private health insurance within a financial year. Each family member is also subject to a per person limit, which caps the amount that any one person can claim within a financial year. You can see details of both limits when comparing extras product inclusions.
Find a cover that suits your family
ambulance & accident hospital (basic) & choosable 50 – teeth
Starter hospital cover for accidents and extras with 50% back on dental needs up to annual limit
starter bronze & value extras
Bronze hospital and popular extras services including, dental, psychology, physio and chiro
simple bronze plus & black 60
*Price is for single cover in NSW paying weekly by direct debit. Price reduced by an Australian Government Rebate of 24.118% (based on an age of under 65 years old, single income of $101,000 or less per year). Hospital price includes an excess of $750, excludes any Youth Discount and excludes Lifetime Health Cover loading. Heads up, the income thresholds used to calculate the Australian Government Rebate (AGR) and Medicare Levy Surcharge (MLS) are changing from 1 July 2026, so your entitlement to the AGR may change after that date. More on the AGR & MLS changes and how this may affect you
Friday Family Movie Night is on!
Friday Family Movie Night is on!
Get the whole fam along to a blockbuster at HOYTS on Fridays - all ahm health insurance members can grab 2-for-1 movie tickets at HOYTS with Feel Good Fridays.
What about our fur babies?
What about our fur babies?
Cats & dogs are a part of the family too. Check out our Pet Insurance options for a little extra peace of mind.
Common questions
Need help choosing cover for your family?
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Things you should know
#Where provided as part of the management and treatment of a diagnosed health condition. ^Classic extras, value extras, lifestyle extras, family extras, super extras †Except for no-gap dental check-ups where you need to visit selected dentists. Waiting periods and annual limits apply. ^^Excludes ambulance basic hospital. An Accident refers to an unplanned or unforeseen event resulting in bodily injury that requires immediate medical treatment in a hospital. Excludes claims covered by third parties.