Basic plus hospital
& extras

essentials basic plus & black 70

Get basic hospital cover for those sporting moments where you just went a little too hard (we believe you), with these added services to get you back in the game:

  • Dental surgery
  • Hernia and appendix
  • Joint reconstructions
  • Tonsils, adenoids and grommets

You also get unlimited medically necessary ambulance^ and accident override just in case.

Plus you get 70% back on dental as well as therapies such as physio and remedial massage, and 100% back on optical up to your annual limit.

^TAS/QLD State schemes cover ambulance services for residents of those States.
Basic plus hospital
& extras

essentials basic plus & black 70

Get basic hospital cover for those sporting moments where you just went a little too hard (we believe you), with these added services to get you back in the game:

  • Dental surgery
  • Hernia and appendix
  • Joint reconstructions
  • Tonsils, adenoids and grommets

You also get unlimited medically necessary ambulance^ and accident override just in case.

Plus you get 70% back on dental as well as therapies such as physio and remedial massage, and 100% back on optical up to your annual limit.

^TAS/QLD State schemes cover ambulance services for residents of those States.

essentials basic plus & black 70

$-/weekly

*Price is for single cover in NSW paying weekly by direct debit. Price reduced by an Australian Government Rebate of 24.608% (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.

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Extras

70% back on included extras

up to your annual limit.

100% back on optical

Frames, prescription lenses and contact lenses included.

No gap dental check-ups

Available at select dentists.

What’s included

Looking for more services?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

Get basic hospital cover for those sporting moments where you just went a little too hard (we believe you), with these added services to get you back in the game:

  • Dental surgery
  • Hernia and appendix
  • Joint reconstructions
  • Tonsils, adenoids and grommets

You also get unlimited medically necessary ambulance^ and accident override just in case.

^TAS/QLD State schemes cover ambulance services for residents of those States.

This product includes the minimum standard clinical categories required for a ‘basic’ rating, ‘plus’ hospital services for dental surgery, hernia and appendix, joint reconstructions and tonsils, adenoids and grommets.

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.

$-/weekly