$- weekly

top hospital

Hospital cover with all the bells, whistles and stethoscopes.

Cover me for:Price is for
cover in
per

top hospital

Hospital cover with all the bells, whistles and stethoscopes.

You’ve heard of a rock star car park: you’re parked in front of the venue two steps from the door. This is rock star hospital cover: our top hospital includes everything from accidents to pregnancy, to hearts and brains, arms and legs.

Australian Government Rebate 25.934
Change

Lifetime Health Cover Loading 0%
Add black extras to get 6 weeks free + no 2 & 6 month waits on extras. See terms
Add black extras to get 6 weeks free + no 2 & 6 month waits on extras. See terms
Add black extras to get 6 weeks free + no 2 & 6 month waits on extras. See terms
Add black extras to get 6 weeks free + no 2 & 6 month waits on extras. See terms

Hospital

What’s included

No excess for kids
Ambulance
Accident
Removal of tonsils
Removal of appendix
Wisdom teeth
Joint investigations & reconstructions
Minor gynaecology
Grommets in ears
All joint replacements
Brain surgery
Palliative care
Cancer treatment
Colonoscopies
Bowel surgery
Rehabilitation
Heart
Dialysis
Major eye surgery
Spinal Fusion
Psych
Weight loss surgery
Obstetrics
Reproductive services
Labour ward
Midwife assisted home births
Sterility reversal
TENS machine hire/purchase
All services covered by Medicare

Although these services are included, there still may be some out-of-pocket expenses as some doctors and medical practitioners charge more than what is set out in the Medicare Benefits Schedule (MBS).

A note on ambulance: Tasmania and Queensland have state schemes that cover ambulance services for residents of those states.

Lifetime Health Cover Loading and Medicare Levy Surcharge, still confused? Find out more

Customise your cover

Pick your daily charge

Pay less for your cover weekly by paying a daily charge. A daily charge is the amount that you will pay in the event that you are admitted to hospital.

Up to 1 night

Pay your daily charge per person on admission

2nd night

Pay another daily charge

$0

Every night
after that

+ any future hospital visits within your membership year!

Pick your daily charge

Pay less for your cover weekly by paying a daily charge. A daily charge is the amount that you will pay in the event that you are admitted to hospital.

Up to 1 night

Pay your daily charge per person on admission

2nd night

Pay another daily charge

$0

Every night
after that

+ any future hospital visits within your membership year!

  • $250

    daily charge

    What this means
    • you pay $250 per person on admission
    • capped at $500 per person for 2 nights or more
    • future hospital admissions within the same membership year have no daily charge
  • $400

    daily charge

    What this means
    • you pay $400 per person on admission
    • capped at $800 per person for 2 nights or more
    • future hospital admissions within the same membership year have no daily charge
    You save $0.00 a week
$250
daily charge
What this means
$400
daily charge
What this means
  • you pay $400 per person on admission
  • capped at $800 per person for 2 nights or more
  • future hospital admissions within the same membership year have no daily charge
You save $0.00 a week
The daily charge cap
You’re on a $400 daily charge per person as a single with a cap of $800 and the family cap is $1600 each membership year.

Add extras

If you like extra toppings on your ice cream or hamburgers (or those way healthier options!), then you’ll love extras on your top hospital cover.

Common questions

What is the final price for me?

Assuming you have nil Lifetime Health Cover Loading, the price you will pay for this cover is ....

We’ve worked hard to keep our pricing easy to find and simple to understand and it’s based on the following:

  • top hospital cover in ...
  • Paying weekly by Direct Debit
  • For a single
  • Australian Government Rebate of .... Update now.
  • And nil Lifetime Health Cover Loading
About Lifetime Health Cover Loading:

If you’re under 31, Lifetime Health Cover (LHC) loading doesn’t apply to you and ... is your final price.

If you’re over 31, we may have to add LHC to the price.

LHC loading is a Federal Government initiative that encourages people to take out health insurance earlier in life and then maintain it. LHC loading is applied to people who haven’t taken out hospital cover by 1 July following their 31st birthday. This loading is 2% of the base rate of your hospital cover premium multiplied by the number of years since your 30th birthday. For example if you are 35, the loading would be 10%. The loading is removed once you have held hospital cover and paid the loading for 10 continuous years.

If you’re over 31 and think this loading might apply to you, that’s ok. On the next page we’ll update the price, let you know and you are under no obligation to complete the join.

When can I start to claim?

As soon as you have served your waiting periods.

top hospital has the following waiting periods:

  • 1 day for ambulance or any hospital treatment as a result of an accident.
  • 2 months for any hospital treatment (if there are no pre-existing conditions), rehabilitation, psychiatric services, and palliative care.
  • 12 months for any pre-existing conditions, obstetrics, speech processors, and insulin pump replacements.

If you’re switching from another private health insurer, we’ll generally recognise any waiting periods you’ve already served for comparable benefits.

A waiting period is a set amount of time before you can claim any money back for a service included on your cover. Waiting periods apply when you first join (or re-join after not having had health insurance for some time) or if you change to a higher level of cover that has additional services or higher limits.

What will be my medical out-of-pocket expenses?

Your out-of-pocket expenses may vary depending on a range of factors, but significantly if the service is included, partially covered (restricted) or excluded.

For a list of what we pay for each service, view the product guide.

Included hospital services

When you go to hospital, there might be a gap between what we pay for your medical services, and what your doctor charges you. This is the referred to as a medical gap and is your out-of-pocket expense.

Medical gaps exist because some doctors may charge higher fees than what is set out in the Medicare Benefit Schedule (MBS).

That’s where GapCover can help.

Doctors can choose to participate in GapCover or not. If your doctor chooses to participate in GapCover, then we’ll provide benefits up to an agreed fee and the maximum gap that you’ll have to pay is $500 per claiming provider (i.e. per doctor’s account).

You can search online for doctors who’ve previously registered to participate in GapCover with our find a provider tool. You should always check with your doctor before agreeing to treatment.

Partially covered hospital services

In addition to any out-of-pocket costs as a result of a medical gap, partially covered services only pay limited benefits towards your accommodation and won’t cover the full cost of treatment.

If you choose to use a hospital service that is only partially covered, you may be left with additional out-of-pocket expenses related to your stay in hospital.

To reduce your out-of-pocket expenses, you may choose to be treated as a private patient in a public hospital, rather than a private hospital. However, this will not reduce your out-of-pocket expenses entirely.

Should you need to use a partially covered hospital service, give us a call on 134 246 before you go into hospital for your treatment and we can confirm what you’re covered for.

Excluded hospital services

If you choose to use a hospital service that is not covered, and you use the private health care system, your out-of-pocket will be the entire cost of the treatment. ahm will pay no benefits towards the cost of your treatment.

Included extras

Your out-of-pocket expenses for your extras services will be the difference between what your provider charges and what we pay back on that particular service.

I’m switching from another insurer, how does it work?

Switching to ahm is simple. So simple all you need to do is just tell us the name of your current health insurer and that’s it. As soon as you’ve joined, we’ll get in touch with your previous insurer to organise the transfer on your behalf.

Your cover with ahm will be active from the date your cover ended at your previous insurer. This ensures you maintain continuous cover through the switching process.

Finally, any waiting periods you’ve already served are generally carried over for a comparable benefit, so if you’ve already waited those 12 months, you won’t need to do it again.

And if you change your mind, that’s ok, don’t forget we’ve got a 30-day cooling off period.

What if I change my mind?

If you change your mind about your cover, it’s ok as you have a 30 day cooling off period.

Just let us know within 30 days of joining that you want to cancel your cover and if you’ve made no claims we’ll refund your premiums.

Can you explain ‘hospital’?

Hospital insurance will cover you for what-ifs and procedures that take place when you are admitted to hospital. When assessing your hospital cover the easiest way to do it is this;

If Medicare pays a benefit for it, and it’s not stated as restricted or excluded on your product, your hospital cover pays too. Like ahm, it’s that black and white.

What’s a pre-existing condition?

A pre-existing condition is any kind of ailment, illness or condition where you had the signs or symptoms (in the opinion of one of our Medical Practitioner) 6 months before you joined private health insurance or changed your cover.

Our appointed Medical Practitioner is the only person authorised to decide if an ailment, illness or condition is pre-existing. They must consider any information that was provided by the medical practitioner who treated the ailment, illness or condition.

Check your Member Guide for more information on pre-existing conditions.

How to join

On average it takes 5 minutes to join ahm. But who’s counting? Just have these goodies handy and you’re set to go:

  • 5 minutes5 minutes
  • Your Medicare cardYour Medicare card
  • Your payment detailsYour payment details
Safe and secure payment

MasterCard or Visa cards incur a 0.25% surcharge

Switching today?

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

PHI code of conduct

Before buying any of our health insurance, it’s important that you read and understand the product information for the cover you have chosen. Read and retain a copy of the product guide for future reference.