Basic plus hospital
& extras

core hospital (basic+) & family extras

For those who don’t need the bells and whistles and just like to keep things simple, and with no excess for dependants too - nice.

Inclusions
  • Sleep studies
  • Joint reconstructions
  • Dental surgery
  • Hernia & appendix
  • Tonsils, adenoids and grommets
  • Miscarriage and termination of pregnancy
Features
  • Accident Override means we will pay benefits towards services that are listed as excluded or restricted on your cover if it was as a result of an accident#
  • No excess for Accidents under Accident Override^^
  • No excess for dependants
  • Unlimited Medically Necessary Ambulance means that we’ll help with the ambulance fees for medically necessary ambulance transport to the nearest hospital^.

From braces to orthotics, and even pre and post natal services.

Basic plus hospital
& extras

core hospital (basic+) & family extras

For those who don’t need the bells and whistles and just like to keep things simple, and with no excess for dependants too - nice.

Inclusions
  • Sleep studies
  • Joint reconstructions
  • Dental surgery
  • Hernia & appendix
  • Tonsils, adenoids and grommets
  • Miscarriage and termination of pregnancy
Features
  • Accident Override means we will pay benefits towards services that are listed as excluded or restricted on your cover if it was as a result of an accident#
  • No excess for Accidents under Accident Override^^
  • No excess for dependants
  • Unlimited Medically Necessary Ambulance means that we’ll help with the ambulance fees for medically necessary ambulance transport to the nearest hospital^.

From braces to orthotics, and even pre and post natal services.

core hospital (basic+) & family extras

$-/weekly

*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.

We are customer satisfaction award winners!

Extras

Holy molars?

Heaps of dental.

No 2 or 6 month waiting periods

on included extras.

No gap dental check-ups

Available at select dentists.

What’s included

Looking for a percentage back cover?Check out black 70 boost 

You choose extras providers — not us

First, what exactly are extras providers? That’s just what we call the dentists, optometrists, chiros, physios and other professionals who provide health services. Unlike some health insurers, we’ll pay the same benefits at most extras providers, as long as they are legally qualified to practise in Australia and have been recognised by ahm. So you choose your provider, not us.

Know what you’ll get back

Use our benefit calculator to find out upfront what you’ll get back on your extras services. To see what we pay for each service view the product guide.

No gap dental check-ups

We’ve struck a great deal at select dentists^ to offer you up to 2 dental check-ups per financial year with no out of pocket costs (up to your annual limit).

No gap dental check-ups include:

  • Periodic and comprehensive examination
  • Clean and polish or scale and clean
  • Fluoride treatment
Excludes x-rays, tooth extractions and fillings. To learn more and find select dentists, visit our no gap dental page

^Excludes specialists

Hospital

For those who don’t need the bells and whistles and just like to keep things simple, and with no excess for dependants too - nice.

Inclusions
  • Sleep studies
  • Joint reconstructions
  • Dental surgery
  • Hernia & appendix
  • Tonsils, adenoids and grommets
  • Miscarriage and termination of pregnancy
Features
  • Accident Override means we will pay benefits towards services that are listed as excluded or restricted on your cover if it was as a result of an accident#
  • No excess for Accidents under Accident Override^^
  • No excess for dependants
  • Unlimited Medically Necessary Ambulance means that we’ll help with the ambulance fees for medically necessary ambulance transport to the nearest hospital^.

This product includes the minimum standard clinical categories required for a ‘basic’ rating.

What’s included

On this product, we pay benefits towards the services below.

We’ll pay benefits towards all agreed hospital charges in a partner private hospital in a shared or private room. In a public hospital we’ll pay all accommodation charges for a shared room and benefits towards a private room. You may still incur out-of-pocket costs as a result of a medical gap for your doctors’ fees.

What’s restricted

On this product, we pay restricted benefits towards the services below.

We’ll pay all accommodation charges for a shared room in a public hospital. We’ll only pay limited benefits towards your stay at a private hospital or in a private room in a public hospital. You will incur significant out of pocket expenses if you are treated at a private hospital or stay in a private room at a public hospital.

What’s excluded

On this product, we don’t pay benefits towards the services below.

Hospital Excess

An excess is an upfront lump sum payment that you agree to pay towards the cost of your hospital stay or day surgery. You can reduce your health insurance premium by opting for a $750 hospital excess per person (up to a maximum of $1500 per couple/family per membership year).

Supporting documents

Before buying any of our health insurance, it’s important that you read and understand the product information for the cover you have chosen.

Lifetime Health Cover loading and Medicare Levy Surcharge, still confused? Find out more

Common questions

Ready to join? You’ll need …

Medicare card

Medicare card

We’ll need this to pay your service refunds.

Payment details

Payment details

We accept Visa, Mastercard and bank account details as payment.

Save time

5 minutes

We've made it as simple as can be.

Details you should know

#We will pay benefits towards the initial and ongoing hospital treatment that resulted from an Accident for all services that are listed as excluded and restricted on your cover. An Accident refers to an unplanned or unforeseen event resulting in bodily injury that requires immediate medical treatment in a hospital.

^^If you are admitted to hospital for an Accident, where possible we’ll waive the excess upfront. However, due to the way we receive claims for hospitalisations relating to Accidents, the hospital may require you to pay the excess on the day of the admission. We’ll then reimburse this amount, subject to eligibility of the waiver. The excess will only be waived for the first admission each membership year in relation to a non-compensatable Accident.

^Transport to the nearest hospital provided by an ahm approved road, sea or air Ambulance provider that’s able to provide the level of care you medically need. Some ahm products limit the number of Ambulance services we’ll pay benefits towards per financial year. Check your product information to see if any limits apply. Your Daily Charge and/or Excess doesn’t apply to Ambulance claims.

$-/weekly