Health insurance that’s more black and white

Discombobulated by choosing health insurance? With ahm, You’re Good with simple, smart and affordable insurance.

Want up to 12 weeks free?

New joins on hospital & extras can get 6 weeks free after their first 60 days, and another 6 weeks free after 395 days. Plus, any 2 & 6 month waiting periods on extras waived. Offer ends 30 Jun 2025. See terms

Enter promo code if you join online

12WFREEWW

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Find health cover that suits your needs

I’m looking for hospital and extras with single cover in NSW paying weekly

I’m looking for

with

in

paying

Basic hospital

& extras

ambulance & accident hospital (basic) & choosable 50 – teeth

Starter hospital cover for accidents and extras with 50% back on dental needs up to annual limit

View cover

Bronze hospital

& extras

starter bronze & value extras

Bronze hospital and popular extras services including, dental, psychology, physio and chiro

View cover

Bronze plus hospital

& extras

simple bronze plus & value extras

Bronze hospital plus and popular extras services including, dental, psychology, physio and chiro

View cover

See package options

Not sure what you need? Tailor your health cover

*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. Heads up, the income thresholds used to calculate the Australian Government Rebate (AGR) and Medicare Levy Surcharge (MLS) are changing from 1 July 2025, so your entitlement to the AGR may change after that date.More on the AGR & MLS changes and how this may affect you

Want up to double extras annual limits next financial year?

Don’t lose your unused extras limits to the insurance black hole … roll most of them over instead! Join by June 30 to get in on the action. Exclusions and T&Cs apply.

More about rollover

Join in a matter of minutes

Once you’ve found your perfect cover, joining is easy – just make sure you have your Medicare Card and bank details handy, and you’re set to go.

And if you’re not happy, get in touch within the 30-day cooling off period - we can cancel your cover, or have a chat about other cover options. As long as you haven’t made any claims we’ll refund your premiums.

Switching health funds? We‘ll handle the breakup

Just tell us the name of your current health insurer when you sign up, and we’ll take care of the rest. Don’t worry, we’ll let them down gently.

Browse our cover

Billboard stating "Got questions? We’ve got the answers"

Common questions

Hospital products help with the bill for included treatments or services when you’re admitted to hospital as a private patient. Different products include cover for different procedures, so always make sure you check out what’s included, as well as any excess that might apply.

Compare our hospital cover

Extras cover helps with the bill for things like dental check-ups, physio appointments, optical and more.

Compare our extras cover

Aside from helping with the bill for different health-related products and procedures, private health insurance can generally give you more choice. For example, having a policy with a health insurer like ahm means that if you need to go to hospital, you can be treated as a private patient, so you can generally choose the doctors and specialists you see – and even the hospital itself.

If you earn over the minimum threshold amount per year and don’t have appropriate hospital cover for you and all your dependants over the whole year, you may be charged the Medicare Levy Surcharge (MLS) at tax time. Join ahm hospital cover and you could save on the surcharge – simple.

Find out more here