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ahm Health Insurance Review | Finder

Sharengay Trang Tin Tức Độc Đáo VIDEO ahm Health Insurance Review | Finder

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Pros

ahm is good at covering the basics and mid-level treatments for an affordable price. From 61 extras policies available on Finder, we found their black 50 saver to be the cheapest policy available that offered more than ambulance only cover.

ahm’s lifestyle extras has no waiting periods for certain treatments including general dental, optical and physiotherapy. No other policy currently offers this option.

Its Silver Plus policy is competitively priced and covers 32 treatments – that’s 6 more than the minimum requirement.

Cons

At around $194 a month, their gold tier policy, top hospital gold, isn’t the cheapest option. HBF, Medibank and HCF are all cheaper.

Because it’s owned by Medibank, the Ombudsman groups them together, so it has a higher ratio of complaints to overall market share than other big funds like Bupa and HBF.

Best value ahm health insurance policies

These are some of the best value hospital and extras policies from ahm, based on the Bronze, Silver and Gold tier rating..

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Top Pick for

Bronze Hospital

Top Pick for

Silver Hospital

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*Quotes are based on a single individual with less than $90,000 income, $500 excess and living in Sydney.

ahm health insurance: Our verdict

ahm is owned by Medibank, Australia’s biggest health insurer. It’s an uncomplicated, digital-first service that consistently offers some of the cheapest health insurance policies in Australia.

ahm is good if:

You want to skip waiting periods on extras treatments like dental, optical and physiotherapy – its lifestyle extras policy lets you do this.

You want cheap basic and mid-level policies.

ahm is not great if:

You want a top tier policy at an affordable price.

You’re overwhelmed by lots of choice. ahm has lots of options to choose from.

Review by our insurance writer Gary Hunter

Compare all policies from ahm

Sign-up deals with ahm health insurance for 2021

What types of health insurance does ahm offer?

Hospital Coverage

Starter Basic.This product includes the minimum standard clinical categories required for a ‘basic’ rating. It covers you for accidents, including accident override and limited medically necessary ambulance.

Essentials Basic Plus.This gives you limited medically necessary ambulance and accident override as well as things like dental surgery and joint reconstructions.

Starter Bronze.Bronze cover includes the 18 clinical categories required for a Bronze rating including important services such as chemotherapy, radiotherapy and immunotherapy for cancer.

Lite Bronze Plus.As well as everything included in the Starter Bronze package, services also include hospital services for back, neck and spine, dental surgery and lung and chest.

Core Bronze Plus.This product includes the minimum standard clinical categories required for a Bronze rating as well as Lite Bronze. It also includes medically necessary plastic and reconstructive surgery and more.

Starter Silver.This product covers the 26 clinical categories required for a Silver rating including heart and vascular system.

Classic Silver Plus.As well as the minimum standard clinical categories required for a Silver rating, Classic Silver also includes palliative care and rehabilitation.

Deluxe Silver Plus.Deluxe Silver includes all the perks of Classic and more. It doesn’t include pregnancy so is ideal for completed families and those not planning on having children.

Top Hospital Gold.The top level of hospital insurance, this policy includes all 38 clinical categories required for a Gold rating including pregnancy and birth services.

Extras coverage

Black 50 Saver.An inexpensive entry-level policy that covers 50% of the costs relating to routine dental, physiotherapy, chiropractic and osteopathic care. Emergency ambulance transport is also included and fully covered.

Black 60.Covering you for a range of essential extras services without breaking the bank, this policy pays up to 60% towards the cost of treatments including major dental, physiotherapy and remedial massage.

Black 70.A generous policy that includes up to 70% back on your included extras, such as dental, remedial massage and physio therapies. What’s more, it provides 100% back on optical frames, prescription and contact lenses, as well as no gap dental check-ups.

Lifestyle.This extras policy covers up to 17 alternative and complementary therapies including acupuncture, naturopathy and herbalism as well as major dental, optical, laser eye surgery and more.

Family.This policy covers a range of out-of-hospital treatments including pre and postnatal services and birthing courses and has no family limits.

Black 70 Boost.This policy will get you back up to 70% on everything you’ll need for your head to your toes, from dental to podiatry treatments.

Super.A premium extras policy that covers you for 28 services including major dental, orthodontics, optical and pharmacy prescriptions.

Combined coverage

Starter Flexi Basic.Suitable for those who only require the bare essentials, this policy covers you for vital hospital services and general treatments that are not eligible for a Medicare benefit (such as dental) and it allows the policyholder to avoid the Medicare Levy Surcharge and the Lifetime Health Cover loading.

Essentials Flexi Basic Plus.Affordable without compromising on protection, this policy includes treatment for accidents with some rehab as well as dental surgery and more.

Lite Flexi Bronze Plus.This policy provides the minimum standard clinical categories required for a Bronze rating as well as back, neck and spine, dental surgery and more.

Classic Flexi Silver Plus.Included are all silver services and a flexible extras limit. A good option if you are looking for a comprehensive combined policy without the additional cost of insuring for specialised services.

Deluxe Flexi Silver Plus.Combining all the services included in Silver plus a generous amount of extras, this policy ensures that you are fully covered both inside and outside of hospital. It also comes with an extras limit that goes up every year for 5 years and a bonus $300 optical limit.

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Ambulance coverage

ahm medically necessary ambulance cover is included on all ahm hospital and package products after a 1 day waiting period. You can get ahm unlimited emergency ambulance cover with all ahm extras products.

ahm health insurance complaints

We looked at the 2020 Ombudsman health insurance complaints. Because it’s owned by Medibank, it’s grouped with them. Here’s how it stacked up:

It provides a generally reliable service – it had fewer complaints that its market share.

It had slightly more complaints than other large health funds Bupa and HBF.

This chart shows the weighted volume of complaints received by each health fund, according to the Commonwealth Ombudsman. The lower the number, the better. Medibank is fifth overall in this ranking. The weighting ensures that funds are compared fairly; larger funds serve more customers so can potentially get more complaints.

ahm health insurance frequently asked questions

Yes. If you’re aged between 18 and 29 and are the principal member or partner on a hospital cover policy, you may be eligible for a discount. The youth discount applies to hospital cover only and is calculated on your base premium before the application of the 1 April 2019 Australian Government Rebate or Lifetime Health Cover loading discount. You may be entitled to a discount of up to 10%. ahm will continue to apply the discount you received on 1 April 2019 – or at the age you take out an eligible hospital product – until you turn 41, so long as you maintain continuous hospital cover. After this, your discount will reduce by 2% every year until it reaches zero.

Yes. Some ahm member offers include:

10% off ahm life insurance premiums for ahm health members.

15% off Goodlife Health Club memberships for ahm health members.

20% off Michelle Bridges 12 Week Body Transformation.

25% off Specsavers. When you buy a single pair of glasses at Specsavers, members can save 25% from the $149 and above range.

Pet insurance. Members can get two months free pet insurance.

$5 off your first 2 rides with Ola.

20% off Lenses and lens extras, and 10% off contact lenses at OPSM.

Once you’ve received treatment or purchased an item covered by your policy, you’ll need to make a claim. You can lodge a health insurance claim with ahm in the following ways:

On the spot. You can swipe your ahm membership card at almost 20,000 health care providers that support the HICAPS electronic claims system. This allows you to have your claim processed immediately.

Via a mobile app. You can lodge a claim using the ahm mobile app by taking a photo of your receipt using your smartphone and then submitting it to ahm.

Online. You can log into your online account through the ahm website and lodge your account by providing the details included on your receipt – just follow the two steps below.

By post. You can fill out a claim form and submit it along with your receipt from the provider to: AHM Health Insurance, Locked Bag 4, Wetherill Park, NSW, 2164.

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