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Hospital cover

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Hospital cover

Full of popular services, including heart, accident, ambulance, joint investigations and reconstructions and wisdom teeth removal in hospital.

As part of the government health insurance reforms, this product will be called ‘classic silver plus’ and will include the minimum standard clinical categories required for a ‘silver’ rating, ‘plus’ hospital services for pain management, insulin pumps and sleep studies. Find out more about the government health insurance reforms.

As part of the government health insurance reforms, this product will be called ‘classic silver plus’ and will include the minimum standard clinical categories required for a ‘silver’ rating, ‘plus’ hospital services for pain management, insulin pumps and sleep studies. Find out more about the government health insurance reforms.

Add extras and get a gift card up to $100 (after your first 60 days).

Offer ends 28 February 2019. More info

Add extras and get a gift card up to $100 (after your first 60 days).

Offer ends 28 February 2019. More info

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Australian Government Rebate 25.415%
Lifetime Health Cover loading 0%

Add extras and get a gift card up to $100 (after your first 60 days).

Offer ends 28 February 2019. More info

Add extras and get a gift card up to

Offer ends 28 February 2019. More info

As part of the government health insurance reforms, this product will be called ‘classic silver plus’ and will include the minimum standard clinical categories required for a ‘silver’ rating, ‘plus’ hospital services for pain management, insulin pumps and sleep studies. Find out more about the government health insurance reforms.

As part of the government health insurance reforms, this product will be called ‘classic silver plus’ and will include the minimum standard clinical categories required for a ‘silver’ rating, ‘plus’ hospital services for pain management, insulin pumps and sleep studies. Find out more about the government health insurance reforms.

Hospital

From 1 April 2019, the standard clinical categories (as well as the MBS codes that sit within each category) will change. Below is a list of the included, restricted (which used to be known as ‘partially covered’) and excluded hospital services. Find out the specific MBS items impacted after April 1 2019.

Before April 1

What’s included

  • All services covered by Medicare#
  • Bowel surgery
  • Brain surgery
  • Cancer therapies
  • Colonoscopies
  • Contraceptive procedures & vasectomy
  • Grommets in ears
  • Gynaecological procedures
  • Heart
  • Hysterectomy
  • Joint investigations & reconstructions
  • Nerve pain treatment
  • Palliative Care
  • Plastic & reconstructive surgery
  • Rehabilitation
  • Removal of appendix
  • Removal of tonsils & adenoids
  • Vascular & varicose vein surgery
  • Wisdom teeth

What’s partially covered

  • Psychiatric services

What’s excluded

  • All joint replacements
  • Assisted reproductive services
  • Dialysis
  • Major eye surgery
  • Obstetrics
  • Spinal fusion
  • Weight loss surgery

Other features include

  • Accident Override
  • Ambulance
  • No excess for kids
#This does not include services that are partially covered or excluded from this product.
Lifetime Health Cover loading and Medicare Levy Surcharge, still confused? Find out more

Common questions

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

Switching today?

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.

Private Health Insurance Code of Conduct