Hospital Cover

Whether you're after simple, bare-bones hospital insurance, or something more comprehensive for peace of mind, ahm has a wide range of options to help you get the most out of private hospital cover, wherever you're at in life.

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With ahm hospital cover, you're good!

Peace of mind

We'll help with bills for included hospital treatments (e.g. doctor's fees, accommodation, intensive care) when you’re admitted to hospital as a private patient.

More choice and control

Choose your specialist or doctor in a private hospital and be treated as soon as you and your doctors are ready (after you’ve served any waiting periods).

Medically Necessary Ambulance cover sorted

Included on all ahm hospital and package products after a 1 day waiting period, Medically Necessary Ambulance cover pays benefits towards transportation to the nearest hospital for medical reasons.
Find out more

Switching from another health fund?

Good news: if you’re switching to ahm from another insurer, we’ll recognise any waiting periods you’ve already served on your old cover for comparable benefits – as long as you weren’t without cover for more than 30 days. This could take up to 14 days to process, because we’ll need to receive your old fund’s transfer certificate. Some waiting periods may apply if your old cover was at a lower level or didn’t include services which are included on your new cover.

Find hospital cover that suits your needs

Basic

ambulance & accident hospital (basic)

Accident Override that also overrides the excess - say no more.

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Basic plus

core hospital (basic+)

Handy inclusions like sleep studies, dental surgery and joint reconstructions, and no excess for dependants - nice.

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Bronze

starter bronze

Your bronze category cover starts here, with some important services.

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See more hospital products

*Price is for single cover in NSW paying weekly by direct debit. Price reduced by an Australian Government Rebate of 24.288% (based on an age of under 65 years old, single income of $97,000 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 2025, so your entitlement to the AGR may change after that date.More on the AGR & MLS changes and how this may affect you

Need extras cover with that?

Need cover for things like dental, physio, or new specs?

Browse hospital & extras

Tiers of hospital cover

All health insurance companies use the same, standard 'tiers' of cover. The name of the different tiers lets you know the amount of hospital treatments and services they include.

If you see 'plus' added, it means there are more than the minimum treatments or services for that tier.

View our hospital cover

Pregnancy and birth

Planning to start a family? Explore our hospital cover options designed to support you throughout your pregnancy journey.

More about health insurance & pregnancy

Tax & hospital cover

The Medicare Levy Surcharge (MLS) could be costing you extra at tax time, if you earn above a certain threshold amount. Join ahm hospital cover and you could save on the surcharge – simple.

Tell me more about tax

Billboard stating "Got questions? We’ve got the answers"

Common questions

Simply put: hospital cover helps out with the bill for included treatments when you’re admitted to hospital as a private patient. Sometimes called 'inpatient services', this includes bills for services or treatments included in your cover, like doctor’s fees, accommodation and intensive care.

With private hospital cover you can choose to be treated as a private patient in a private hospital, a public hospital, or day hospital facility. However, not all doctors have admitting rights to all hospitals – you can check with them.

The types of services included on your hospital cover depends on the level of cover you choose. Generally, the higher the level of cover, the more services you can claim towards, so it's worth reviewing inclusions carefully when comparing different cover options. Learn more

Hospital cover inclusions have a waiting period, ie the set amount of time you must wait before any benefits are payable for items and services that are included under your hospital cover.

The good news is, if you join ahm within 30 days of leaving your previous health insurer, and you’ve already served the waiting period for that service, you may not need to re-serve those waiting periods.

If you’re new to private health insurance though, or you’re upgrading your cover to one with more services, higher benefits, or lower excess levels – waiting periods are likely to apply. It’s always a good idea to check the waits on included services when comparing different hospital covers.

Learn More about waiting periods