For antenatal and postnatal classes with no annual limit
Super Extras has no annual cap on antenatal and postnatal classes. Check the extras benefits for per-service benefits and provider conditions.
ahm health insurance
Is it a good health insurer?
ahm has 16 hospital and 18 extras policies in our comparison, from $87.45 a month for hospital cover (Single · NSW · $500 hospital excess, after rebate).
Issued by Medibank Private Limited. Hospital, extras or both.
Explore 16 hospital and 18 extras products, or find cover by treatment. Sources for ahm
Reviewed, Edited and Designed by
Grace Connolly
Created with AI assistance
Page updated 26 October 2026 · Prices effective 9 September 2026
I need cover for…
Compare cover across all Australian health funds.
ahm cover: the main choices.
See the benefit differences
For blood treatment
Bronze Plus Support does not fully cover blood treatment. Check the hospital cover for exclusions and restricted benefits before choosing.
If you plan to keep your extras
Some of ahm's extras benefit limits grow with membership. Check the policy documents for how the limits grow before relying on a higher limit.
ahm policies and example prices.
The profile you choose updates the ahm price tables, hospital shortlist and alternative-policy comparison below.
Single · NSW · $500 hospital excess · example premiums after rebate.
Monthly examples include the 24.118% government rebate, the maximum for adults under 65. Your rebate and final quote may differ.
Need an ahm price for your circumstances? Compare ahm with cover across all Australian health funds.
Compare my optionsHospital cover
16 product lines
$171.95 more per month for Advanced Hospital Gold versus Super Silver Plus after rebate for the selected example profile.
Assisted reproductive services is an additional inclusion, not the complete list of differences.
Extras cover
18 product lines
ahm joining offer
Up to 12 weeks free
New members who keep hospital and extras cover get 6 weeks free after 60 days. They get another 6 weeks free after 13 months. The 2 and 6 month extras waiting periods are waived.
For new members who have not held ahm hospital or extras cover in the last 30 days.
Ends 30 November 2026
Offer termsOffer information checked: 26 October 2026. Prices, benefits and promotions can change. Before applying, check the insurer's official website for current availability, eligibility requirements, expiry dates and full terms. Read our Terms of Use. Report an error to info@healthinsurance.au.
ahm eligibility and offer terms
Available through ahm's website or call centre. Do not assume this offer applies when joining through another comparison service. Eligibility and other conditions apply.
Join and start an eligible hospital and extras package on or before 30 November 2026.
If you join online, enter the promo code 12WFREEWW.
Keep the cover and pay premiums for 13 continuous months to receive the second 6 weeks.
Related insurer
Also considering Medibank?
ahm and Medibank-branded health cover share an issuer, but their policy benefits, prices and joining offers can differ.
A Medibank-branded policy is not an ahm policy. Check the exact product and terms before joining.
Explore Medibank-branded coverWhat does ahm hospital insurance cover?
6 ahm hospital policies fully cover cataracts
Single · NSW · $500 hospital excess. Only policies that fully include cataracts are shown. How we read hospital categories
Compare selected treatment categories across all 16 hospital policies
Selected ahm treatment categories.
More premium does not mean more back on everything.
ahm extras limits per 12 months unless the statement says otherwise
Single-policy examples. Each links to its policy statement.
Choosable 60 - Teeth / Eyes / Wellbeing → Super Extras
Both single-policy examples have a $250 optical limit. But Super Extras pays 100% rather than 60% for the optical example.The reason to upgrade is the wider benefits you need, not an assumption that every cap rises.
Super Extras: higher benefit examples
Classic Extras pays a $150.00 set benefit for the optical example. Super Extras pays 100% instead. It has a $250 optical limit and $600 physio limit for the Single-policy example.Compare these benefits with the premium. A set benefit is a fixed payment for the listed treatment.
Why ahm's shared limits and waiting periods matter
Standard optical waiting periods in these examples range from none to 6 months.
ahm vs. HBF vs. HCF
How ahm compares with similar hospital policies.
These are selected Silver Plus examples from HBF and HCF, not identical policies or a search for the cheapest cover across the market.
Comparing ahm Essentials Silver Plus with HBF Essential Silver Hospital and HCF Hospital Standard Silver Plus. Single · NSW · $500 hospital excess · Silver Plus hospital cover
ahm and selected alternatives: monthly prices and verified coverage differences.
What the differences mean for you
All 38 treatment categories have the same status for these policies. That does not mean the policies have identical terms or out-of-pocket costs.
These alternatives match ahm Essentials Silver Plus on tier, cataracts and joint replacements. How we choose alternatives
Compare all 38 hospital treatment categories
ahm and the alternatives: all 38 treatment categories, policy information as at 26 October 2026.
Compare ahm with cover from every Australian health fund.
ahm against the industry.
These figures describe Medibank Private Limited, which issues ahm health cover, not ahm customers alone.
Medibank members had no gap on 81.8% of in-hospital medical services in the 2024-25 financial year, against 87.1% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
Medibank paid 51.3% of members' extras (general treatment) charges in the 2024-25 financial year, against 50.7% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
Medibank increased premiums by an average of 5.10% in 2026, against 4.41% across the industry. Government premium-increase figures · accessed 23 October 2026
2.8 / 5
196 Google reviews
Voluntary customer reviews · ahm
Snapshot: 23 October 2026. This is ahm's listing, not a representative survey.
Complaint share is below market share
Share of all complaints, 2024-2523.9%
Market share, 30 June 202526.5%
0%30%
State of the Health Funds Report 2024-25 · checked 26 October 2026
Medibank's share of complaints the Ombudsman received in 2024-25 is below its market share at 30 June 2025. Its share of complaints the Ombudsman investigated that year is 17.3%.
Latest quarter, January to March 2026. The Ombudsman referred 150 complaints about Medibank Private Limited to it to resolve, 22.6% of those it referred about all insurers, and investigated none. Ombudsman Quarterly Update · checked 26 October 2026
App Store
4.7 / 5
10,967 App Store ratingsahm health insurance app · Medibank Private Limited
Snapshot: 22 October 2026. ahm health insurance is ahm's own app. This rates the app on the Australian App Store, not ahm's cover or claims.
Google Play
4.6 / 5
About 2,190 Google Play reviewsahm app · Medibank Private Limited
Snapshot: 22 October 2026. This rates the ahm app on Google Play, not ahm's cover or claims.
Check the practical details.
Check your provider
Confirm that ahm recognises your provider. Ask for a treatment plan and item numbers so ahm can estimate your benefits and out-of-pocket costs.
Make or track a claim
Use ahm's health claims guidance and member login for receipts, claim tracking and remaining benefits.
Contact ahm
Call ahm on 134 246. Monday to Friday, 9am to 6pm (AEDT), excluding national public holidays.Contact details checked 22 October 2026.Official contact details and messaging options
Before you choose ahm.
Who provides ahm health insurance?
ahm health insurance is issued by Medibank Private Limited. An ahm policy is not necessarily identical to a policy sold under another Medibank brand, so compare the actual policy terms and price.
Source: Official ahm information, checked 22 October 2026.
Do I get more back the longer I stay with ahm?
Some ahm extras limits grow as your membership continues. Check which benefits qualify and how the increases work on your policy.
Source: ahm fund rules, checked 26 October 2026.
Can younger adults get a discount with ahm?
ahm offers age-based discounts to eligible younger adults. Check the discount on your quote and how it changes as you get older.
Source: ahm fund rules, checked 26 October 2026.
What is the cheapest ahm hospital policy?
Ambulance & Accident Hospital (Basic) is the cheapest ahm hospital policy for a single person in NSW with a $500 hospital excess, at $87.45 a month after the 24.118% government rebate for adults under 65 (prices effective 9 September 2026). This compares all 16 ahm hospital policies, not the whole market. Check what it excludes before choosing on price.
Source: How we compare prices, checked 26 October 2026.
Is it worth moving from Bronze Plus Support to Silver Support?
ahm Silver Support adds cover for heart and vascular system, blood and 3 more categories compared with Bronze Plus Support. For the Single / NSW / $500 excess example it costs $18.63 more a month, so check what each policy covers before you upgrade.
Source: Private Health Information Statements, checked 26 October 2026.
Sources for ahm.
Policy information retrieved 26 October 2026. Prices effective 9 September 2026.
Private Health Information Statements · ahm · checked 26 October 2026
State of the Health Funds Report 2024-25 · Medibank · checked 26 October 2026
Government insurer profile · Medibank · checked 22 October 2026
Government premium-increase figures · Medibank · checked 23 October 2026
Government rebate rates and eligibility · Australian Government · checked 26 October 2026
Google listing · ahm · checked 23 October 2026
App Store listing for ahm health insurance · Medibank Private Limited · checked 22 October 2026
Google Play listing for ahm · Medibank Private Limited · checked 22 October 2026
Official contact details · ahm · checked 22 October 2026
Offer terms · ahm · checked 26 October 2026
ahm fund rules · ahm · checked 26 October 2026
All policies by cover type
Hospital (16)
Extras (18)
Hospital and extras (5)
Ambulance (1)
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