Silver plus hospital
& extras

essentials silver plus & choosable 60 – teeth / eyes / muscle & bone

Silver Hospital cover, with a side order of added benefits:

  • Sleep studies

Palliative care and rehab are also included. You also get unlimited medically necessary ambulance^, accident override and no excess for dependants.

You also get 60% back on dental services and selected bundle services up to your annual limits.

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

essentials silver plus & choosable 60 – teeth / eyes / muscle & bone

Silver Hospital cover, with a side order of added benefits:

  • Sleep studies

Palliative care and rehab are also included. You also get unlimited medically necessary ambulance^, accident override and no excess for dependants.

You also get 60% back on dental services and selected bundle services up to your annual limits.

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

essentials silver plus & choosable 60 – teeth / eyes / muscle & bone

$-/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

60% back on included extras

up to your annual limit.

Annual bundle limits

Use all of your limit on one type of service in the bundle, or spread it across a few.

No gap dental check-ups

Available at select dentists.

What’s included

Teeth

Annual bundle limit

$800

Orthodontics has a lifetime limit of $1800.
Lifetime limit explained

Ambulance

Muscle & bone

Annual bundle limit

$400

Eyes

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

Silver Hospital cover, with a side order of added benefits:

  • Sleep studies

Palliative care and rehab are also included. You also get unlimited medically necessary ambulance^, accident override and no excess for dependants.

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

This product includes the minimum standard clinical categories required for a ‘silver’ rating, ‘plus’ hospital services for sleep studies.

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