Refer a Friend

Got a savvy friend in mind? Refer them and you both win. Existing members can get $100 when their friend joins on hospital and extras after their first 60 days. See terms

How it works


Share your referral code

Share your referral code and your friend joins ahm on hospital and extras.


Your friend wins

If your friend joins on eligible cover and sticks with ahm for 60 days, they could get 6 weeks free and any 2 & 6 month waits waived on their extras.


You win

Plus, after 60 days you could get $100. It’s a very savvy win-win!

Things you should know

Refer a friend - current members

The $100 ‘refer a friend’ payment is available for existing members who successfully refer a friend who joins on an eligible hospital and extras package or combination cover using your referral code.

You must refer a friend who has not held ahm hospital and/or extras cover in the last 365 days, from their cover start date.

You must be an active (and not suspended) ahm member on your friend’s cover start date.

You must have paid for at least 60 days of premiums by the date of your friend’s fulfilment (60 days from their cover start date).

You must be an active (and not suspended) ahm member on the date of your friend’s fulfillment (60 days from their cover start date), in order for the $100 payment to be issued.

Your friend must maintain an eligible cover continuously for 60 days from the cover start date and meet all other eligibility criteria (see terms of the offer for your friend). If your friend changes to an ineligible cover or suspends during this period, the $100 ‘refer a friend’ payment will not be issued.

You must only send the referral code or link to your friends with their permission.

The ‘refer a friend’ payment of $100 will be paid into the bank account you have provided for your ahm benefit claims. You must not share any part of the referral payment with your friend.

‘Refer a friend' payments of $100 will be capped at 5 per membership in a calendar year.

This offer may be withdrawn or changed by ahm at any time before you make an eligible referral. If your friend has already joined using your referral code prior to a withdrawal or change to this offer, you will still receive the ‘Refer a friend’ payment of $100. Subject to the other existing terms of this offer being satisfied.