Gold hospital
& extras

top hospital gold & family extras

*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 $90,000 or less per year).

Gold hospital
& extras

top hospital gold & family extras

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 $90,000 or less per year).


Holy molars?

Heaps of dental for the whole family.

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


All the gold category services. All solid gold. Get the widest range of treatments, including:

  • Back, neck and spine
  • Cataracts
  • Heart and vascular system
  • Joint replacements

It’s the gold standard for your ongoing peace of mind. Planning on having kids too? Get the reassurance of having access to pregnancy and birth services.

You also get disease management appliances and unlimited medically necessary ambulance^ to help you stay gold.

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

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

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

Why ahm?

Straightforward private health insurance

We take a fresh approach to health insurance and cut out the complexity. Everything we do is about making things simpler, so you can make the most of what matters to you.

30 day cooling off period

Just let us know within 30 days of joining and as long as you haven’t made any claims we’ll refund your premiums. Simple.

Join in a matter of minutes

It takes less than 3 minutes to join ahm, but who’s counting? Have these goodies handy and you’re set to go:

  • Your Medicare card
  • Visa, Mastercard or bank account details

Safe and secure payment

Pay by Direct Debit, Mastercard or Visa

Mastercard or Visa cards incur a 0.21% surcharge

Switching private health insurance?

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

Private Health Insurance Code of Conduct(opens in a new tab)
$- weekly