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# This does not include services that are partially covered or excluded from this product.
Although these services are included, there still may be some out-of-pocket expenses as some doctors and medical practitioners charge more than what is set out in the Medicare Benefits Schedule (MBS).More about out-of-pockets
A note on ambulance: Tasmania and Queensland have state schemes that cover ambulance services for residents of those states.
What’s partially covered
We’ll cover some of the costs of the above items but not all, so you will end up with out of pocket expenses if you go to a private hospital or are in a private room in a public hospital.More about out-of-pockets
For these excluded services the cost of treatment won’t be covered at all. This won’t stop you from going to a public hospital as a public patient for treatment.
How to join
On average it takes 5 minutes to join ahm. But who’s counting? Just have these goodies handy and you’re set to go:
- 5 minutes
- Your Medicare card
- Your payment details
Safe and secure payment
MasterCard or Visa cards incur a 0.21% surcharge
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
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.
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.