Health insurance that’s more black and white

Private health insurance helps pay for health care that Medicare doesn’t cover. It’s split into two categories – hospital and extras cover. Depending on your needs, you can buy hospital and extras cover separately or packaged together. We’ve got heaps of different cover options, from basic to more extensive plans.

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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‘re single and earn over $97,000 a year (or are a single parent, couple or family earning over $194,000^) and don‘t have 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

^Family income threshold is increased by $1,500 per MLS dependant child after the first child.

Switching to ahm is easy. Simply join a cover that suits your needs and leave the paperwork to us.