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white lite

Hospital cover

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white lite

Hospital cover

You’re not planning on making hospital your second home, but you know life throws curve balls. white lite’s your cover for ambulance, minor operations – and sporting accidents because you went too hard (we believe you).
Add extras and get a gift voucher up to $100 (after your first 60 days).

Offer ends 20 December 2018. More info

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

Offer ends 20 December 2018. More info

white lite
Australian Government Rebate 25.415%
Lifetime Health Cover loading 0%
Add extras and get a gift voucher up to $100 (after your first 60 days).

Offer ends 20 December 2018. More info

Add extras and get a gift voucher up to

Offer ends 20 December 2018. More info

Hospital

What’s included

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. Annual limits apply per person, per financial year.

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

What’s excluded

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.

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