essentials basic plus & value extras
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.
You also get a broad range of services including dental, psychology, counselling, physio, chiro, plus 100% back on optical up to your annual limits.
^TAS/QLD State schemes cover ambulance services for residents of those States.essentials basic plus & value extras
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.
You also get a broad range of services including dental, psychology, counselling, physio, chiro, plus 100% back on optical up to your annual limits.
^TAS/QLD State schemes cover ambulance services for residents of those States.essentials basic plus & value extras
$-/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
100% back on optical
Frames, prescription lenses and contact lenses included.
Psychology and counselling
Service must be provided by an ahm recognised psychologist or counsellor.
No gap dental check-ups
Available at select dentists.
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 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.
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.
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