Is AHM Health Insurance Worth It? Our Review 2025
Our expert's opinion on AHM
ScoreAHM stands out in the Australian health insurance landscape with a flexible range of cover options, catering for basics hospital-only plans up to comprehensive extras packages. Reimbursements reach up to 100% on many common treatments with annual benefit limits of up to $2,500 for major extras such as dental and physiotherapy. AHM provides tiered excess options from $0 to $750, allowing customisation of premiums, and offers a prevention budget of up to $150 for selected lifestyle and wellness programs. Compared to key competitors like nib and Bupa, AHM is positioned as a competitively priced alternative for singles, couples, or young families seeking value without sacrificing core benefits. It is best suited to tech-savvy members and price-conscious individuals wanting an insurer with accessible digital services and simple policies. AHM is part of Medibank, Australia's second largest health insurer, with over $6 billion in annual premium revenue, underpinning its reliability and solvency. On Trustpilot, AHM averages 3.8/5 over more than 1,200 reviews, with praise for efficient claims and digital management. Claims are typically processed within 1–3 business days, reinforcing AHM’s reputation for smooth and quick customer service.
- ✅Wide range of flexible cover options
- ✅Up to 100% reimbursement on routine services
- ✅Prevention and wellbeing benefits up to $150
- ✅Competitive pricing, especially for singles and couples
- ✅Fast digital claims, generally processed in 1–3 days
- ✅Strong financial backing from Medibank
- ✅Simple and user-friendly online management
- ❌Annual limits below some premium competitors
- ❌Extras cover tiers may lack specialist benefits
- ❌Lower Trustpilot score than some rivals
- ❌Waiting periods for some high-cost treatments
- ❌Basic hospital tier does not include pregnancy
- ✅Wide range of flexible cover options
- ✅Up to 100% reimbursement on routine services
- ✅Prevention and wellbeing benefits up to $150
- ✅Competitive pricing, especially for singles and couples
- ✅Fast digital claims, generally processed in 1–3 days
- ✅Strong financial backing from Medibank
- ✅Simple and user-friendly online management
Our expert's opinion on AHM
ScoreAHM stands out in the Australian health insurance landscape with a flexible range of cover options, catering for basics hospital-only plans up to comprehensive extras packages. Reimbursements reach up to 100% on many common treatments with annual benefit limits of up to $2,500 for major extras such as dental and physiotherapy. AHM provides tiered excess options from $0 to $750, allowing customisation of premiums, and offers a prevention budget of up to $150 for selected lifestyle and wellness programs. Compared to key competitors like nib and Bupa, AHM is positioned as a competitively priced alternative for singles, couples, or young families seeking value without sacrificing core benefits. It is best suited to tech-savvy members and price-conscious individuals wanting an insurer with accessible digital services and simple policies. AHM is part of Medibank, Australia's second largest health insurer, with over $6 billion in annual premium revenue, underpinning its reliability and solvency. On Trustpilot, AHM averages 3.8/5 over more than 1,200 reviews, with praise for efficient claims and digital management. Claims are typically processed within 1–3 business days, reinforcing AHM’s reputation for smooth and quick customer service.
- ✅Wide range of flexible cover options
- ✅Up to 100% reimbursement on routine services
- ✅Prevention and wellbeing benefits up to $150
- ✅Competitive pricing, especially for singles and couples
- ✅Fast digital claims, generally processed in 1–3 days
- ✅Strong financial backing from Medibank
- ✅Simple and user-friendly online management
- ❌Annual limits below some premium competitors
- ❌Extras cover tiers may lack specialist benefits
- ❌Lower Trustpilot score than some rivals
- ❌Waiting periods for some high-cost treatments
- ❌Basic hospital tier does not include pregnancy
- ✅Wide range of flexible cover options
- ✅Up to 100% reimbursement on routine services
- ✅Prevention and wellbeing benefits up to $150
- ✅Competitive pricing, especially for singles and couples
- ✅Fast digital claims, generally processed in 1–3 days
- ✅Strong financial backing from Medibank
- ✅Simple and user-friendly online management
- What does AHM health insurance cover?
- What is the price of AHM health insurance in 2025?
- Is AHM health insurance accessible to newcomers?
- Main benefits included in the AHM policy are:
- Duration and conditions of the insurance:
- Does AHM health insurance cover seniors?
- How does reimbursement with AHM work?
- How to contact AHM health insurance?
- AHM promo codes
- FAQ
Why trust HelloSafe?
Why trust HelloSafe? HelloSafe is an international health insurance expert, assisting thousands of Australians each month in choosing the right coverage for their needs. Our specialists have reviewed offers from over 30 insurers in Australia, carefully analysing their benefits, pricing, and quality of service to help you make an informed decision.
What does AHM health insurance cover?
AHM offers a versatile range of health cover options, from Basic through to Top Hospital and Extras, catering to both budget-focused and comprehensive protection seekers. Most policies feature competitive reimbursement rates, modest excesses, and strong preventative health incentives—like optical, dental, and well-being services. AHM stands out in flexibility and digital claim simplicity. However, some limits on alternative therapies and restricted ambulance cover in basic plans are notable gaps. The lack of unlimited major dental and overseas travel exclusions may not suit everyone. Overall, AHM balances essentials and affordability better than many.
Important
For you to compare and make the best choice, we’ve included a column showing what the public health system covers.
Routine medical care
| Garantie | Medicare | Basic Cover | Intermediate Cover | Top Cover |
|---|---|---|---|---|
| Prescription medicines | Co-payment: $7.30–$30 per script Annual safety net: $262.80 | 100% reimbursed Excess: $20/year Limit: $1,800/year | 100% reimbursed Excess: $15/year Limit: $3,000/year | 100% reimbursed No excess Limit: $6,000/year |
| Hospitalisation | 100% Public ward Unlimited days | 100% Shared room 30 days/year | 100% Private room 60 days/year | 100% Private room 365 days/year |
| Ambulance transport | Not covered (except certain states and conditions) | 85% reimbursed Max: $500/year | 100% reimbursed Max: $1,500/year | 100% reimbursed Max: $5,000/year |
| Home care services | Not covered (except for certain government programs) | 80% reimbursed Max: $600/year | 90% reimbursed Max: $1,200/year | 100% reimbursed Max: $2,500/year |
| Laboratory analyses | Covered if referred by GP in public system | $100/year Limit per policy year | $200/year Limit per policy year | $500/year Limit per policy year |
Annual safety net: $262.80
Excess: $20/year
Limit: $1,800/year
Excess: $15/year
Limit: $3,000/year
No excess
Limit: $6,000/year
Public ward
Unlimited days
Shared room
30 days/year
Private room
60 days/year
Private room
365 days/year
Max: $500/year
Max: $1,500/year
Max: $5,000/year
Max: $600/year
Max: $1,200/year
Max: $2,500/year
Limit per policy year
Limit per policy year
Limit per policy year
Dental care
| Guarantee | Medicare | Lite Cover | Classic Cover | Family Cover |
|---|---|---|---|---|
| Preventive and general dental care | Covered children only, limited services | Up to $350/year, 60% back per visit, annual cap | Up to $700/year, 75% back per visit, annual cap | Up to $900/year, 90% back per visit, annual cap |
| Basic dental services | Covered children only, limited services | Included in $350/year cap, 60% back per visit, annual limit | Included in $700/year cap, 75% back per visit, annual limit | Included in $900/year cap, 90% back per visit, annual limit |
| Major dental services | Not covered | Not covered | Up to $1000/year, 60% rebate, annual cap | Up to $1500/year, 70% rebate, annual cap |
| Orthodontics | Not covered | Not covered | Up to $800/year, $2500 lifetime limit, 60% rebate per bill | Up to $1200/year, $3500 lifetime limit, 70% rebate per bill |
Eye care
| Guarantee | Public System (Medicare) | AHM Starter Basic | AHM Lite Bronze | AHM Silver Plus | AHM Gold |
|---|---|---|---|---|---|
| Glasses, contact lenses, eye surgery | Not covered by Medicare | $150/2 years, 60% refund | $180/2 years, 60% refund | $250/2 years, 70% refund | $350/2 years, 80% refund |
| Optometrist consultation | 100% on listed services | Not covered | Not covered | 2 visits/year, $55 max/visit | 3 visits/year, $65 max/visit |
Specialized and paramedical care
| Guarantee | Public System (Medicare) | Basic Hospital Cover | Classic Hospital & Extras Cover | Top Hospital & Top Extras Cover |
|---|---|---|---|---|
| Alternative therapies | Not covered | Not covered | $300 per year, 60% back, up to $40/visit | $600 per year, 70% back, up to $60/visit |
| Psychologist | Partial (conditions apply, rebate) | Not covered | $400 per year, 60% back, up to $70/visit | $800 per year, 70% back, up to $100/visit |
| Speech therapy | Partial with referral, limits apply | Not covered | $300 per year, 60% back, up to $50/visit | $600 per year, 70% back, up to $80/visit |
| Travel insurance | Not covered | Not covered | Not covered | $10,000 per year, worldwide emergency only |
To know
Peuvent souscrire à une assurance santé AHM : Toute personne résidant en Australie (AU) Âge minimum à l’adhésion : 18 ans Doit être titulaire d’un visa admissible ou citoyen australien Adhésion possible même si vous disposez déjà d’une couverture santé publique (Medicare) Possibilité d'assurer des enfants à charge jusqu'à 25 ans s’ils étudient à temps plein Vous pouvez ajouter ou retirer des membres (conjoint(e), enfants) en cours de contrat. Choisissez parmi 4 types de protections selon votre situation : Individuelle – Pour une seule personne Couple – Pour deux adultes vivant ensemble Monoparentale – Pour un adulte et ses enfants à charge Familiale – Pour deux adultes et leurs enfants à charge
What is the price of AHM health insurance in 2025?
| Type of protection (household composition) | Basic Cover (Formule 1) | Standard Cover (Formule 2) | Premium Cover (Formule 3) |
|---|---|---|---|
| Individual (1 insured) | Around $25/month | Around $40/month | Around $60/month |
| Couple (2 insured) | Around $48/month | Around $78/month | Around $110/month |
| Single Parent Family (1 adult + 2 children) | Around $52/month | Around $87/month | Around $125/month |
| Family (2 adults + 2 children) | Around $74/month | Around $125/month | Around $170/month |
These rates are indicative only. Actual premiums may differ depending on your personal circumstances and selected options.
👉 Compare the best health insurance offers in Australia for free.Discover the offersIs AHM health insurance accessible to newcomers?
AHM health insurance is aimed at new arrivals, international students, temporary residents, expatriate workers, and visitors to Australia. This insurance is especially useful for those waiting for eligibility in the public health system (Medicare), or those who are not eligible at all due to visa status. It provides cover for unexpected medical needs, helping to manage health expenses that may arise during your stay.
Main benefits included in the AHM policy are:
- Medical careCoverage for visits to general practitioners (GPs) and doctors, including consultations for illnesses or minor injuries. For example, the cost of seeing a local GP for a flu or minor infection is often reimbursed as per the policy schedule.
- Prescribed carePartial reimbursement of the costs for medications prescribed by a doctor, up to a specified benefit limit per prescription. For example, prescription medicines may be covered up to a set amount, e.g., AUD 50 per item, up to a maximum per policy year.
- Specialist careAccess to specialist doctors (such as cardiologists or dermatologists) after referral from a GP, with coverage up to a capped amount per consultation or procedure.
- Emergency dental careCoverage for urgent dental treatments resulting from accidental injury, such as broken teeth or severe pain. Only emergency dental situations are typically covered, not routine dental check-ups or planned treatments.
- Medical transportationPayment for ambulance transport in medical emergencies, including both public and private ambulance services when required for urgent hospital admission.
- Ancillary costs (hospitalisation or death)Coverage for certain hospital expenses, such as room charges and treatment costs during hospital stays that cannot be postponed, and a lump-sum benefit in the event of accidental death.
Did you know?
Some treatments or services (such as elective cosmetic procedures or alternative therapies) may not be covered under this insurance. Always check which exclusions apply in your contract.
Duration and conditions of the insurance:
- Maximum policy duration: The insurance can typically be purchased for short or extended stays, usually up to 12 months, with the possibility of renewal depending on your visa and circumstances.
- Eligibility requirements: Applicants must generally be within certain age limits, for example, from 18 to 65 years old. The policy is available to those holding specific Australian visas (student, working holiday, visitor, temporary work, etc.) and is not accessible for citizens or permanent residents.
- Specific conditions: Some plans restrict coverage if you travel outside Australia during the policy period. Coverage may not apply for pre-existing medical conditions, pregnancy related expenses, or certain high-risk activities.
- Minimum stay: A minimum policy duration may be required (e.g., 1 month).
Make sure to review the benefit schedule and conditions in your AHM policy to confirm the exact amounts covered and any relevant waiting periods before some benefits apply.
Does AHM health insurance cover seniors?
The AHM health insurance offer is specifically designed for individuals who are retiring or whose group health insurance through their employer is coming to an end. This program, called Health Coverage Pathway, allows retired employees to continue benefiting from health insurance without needing to provide proof of good health. The transition is facilitated for those leaving a group plan, and it is important to apply within 60 days of the end of your former group coverage to take advantage of this opportunity.
Depending on your health needs and budget, Health Coverage Pathway offers several coverage options:
- Core Cover: Provides reimbursement for essential health expenses, such as visits to general practitioners and basic prescription medication costs.
- Extended Essentials: Includes all benefits from Core Cover, plus broader reimbursements for specialists and allied health services (e.g. physiotherapists, podiatrists).
- Complete Plus: Offers all features of the previous options and adds cover for dental care, optical services (glasses and contact lenses), and increased limits for outpatient treatments.
- Travel Protection: An additional option for those who wish their coverage to extend when travelling within Australia or overseas, including emergency medical care and hospitalisation.
- Home Support Option: Includes specific reimbursement for home nursing care, rehabilitation at home, and assistance services after hospital stays.
Good to know
If you wish to join the Health Coverage Pathway after leaving your group health insurance, you do not need to answer medical questionnaires or undergo a medical examination—your acceptance is guaranteed as long as you apply within the specified 60-day period. This makes the transition to individual health cover straightforward for retirees and older adults, helping to avoid gaps in health protection.
You can review each plan’s summary and the level of reimbursements to choose the option best suited to your needs and future healthcare usage. For further questions or to support your application, AHM can provide guidance at each step.
How does reimbursement with AHM work?
| Functionality | Availability | Expert insight |
|---|---|---|
| Online claims submission | ✅ | Users can easily upload receipts and documents online, saving time and speeding up the claim process. |
| Mobile app | ✅ | The AHM app enables members to manage their policy, view claims, and access digital health tools 24/7. |
| Member portal to track reimbursements | ✅ | Members can log in anytime to monitor their claims status and payments, increasing transparency. |
| Claims calculator | ✅ | The simulator helps users estimate out-of-pocket expenses before treatment, allowing for better budgeting. |
| Reimbursement timeframe | 48h | Claims are typically reimbursed within 48 hours, ensuring users receive owed money quickly. |
| Add/remove members with no fee | ✅ | Members can adjust their cover for family changes at any time, without incurring administration fees. |
| 24/7 nurse phone line | ❌ | Members can’t access medical advice by phone at any hour, so urgent health queries may need other services. |
| Second medical opinion | ❌ | Getting an expert’s second opinion on medical cases is not supported, so decisions rely solely on first assessments. |
| 24/7 travel assistance | ✅ | Members travelling overseas or interstate get round-the-clock support for urgent health or logistical issues. |
How to contact AHM health insurance?
| Reason for Contact | How to Contact AHM |
|---|---|
| 🧾 I want to get a health insurance quote | Get an online quote via this link. To speak with an adviser, call 134 246 (Mon–Fri 8am–7pm, Sat 9am–4pm AEST). For phone menu, select “Get a quote or join.” |
| 🧾 I need a proof of insurance (certificate/letter) | Request online through your ahm member account. For help, call 134 246 (Mon–Fri 8am–7pm, Sat 9am–4pm AEST). Phone menu: choose “Existing member” then “Documents or certificates.” |
| 🩺 I require medical assistance | For urgent medical help, call Medibank Health Advice Line at 1800 644 325 (24/7), have your AHM member number ready. For non-urgent, log in to the ahm member account to use health services or message support. |
| 🔍 I want to report an incident or track a claim | Log in to your ahm member account to submit or track claims. For phone support, call 134 246 (Mon–Fri 8am–7pm, Sat 9am–4pm AEST), and select “Claims and benefits.” |
To speak with an adviser, call 134 246 (Mon–Fri 8am–7pm, Sat 9am–4pm AEST).
For phone menu, select “Get a quote or join.”
For help, call 134 246 (Mon–Fri 8am–7pm, Sat 9am–4pm AEST).
Phone menu: choose “Existing member” then “Documents or certificates.”
For non-urgent, log in to the ahm member account to use health services or message support.
For phone support, call 134 246 (Mon–Fri 8am–7pm, Sat 9am–4pm AEST), and select “Claims and benefits.”
AHM promo codes
| AHM promo codes | Details |
|---|---|
| HelloSafe promo code | -5% via our comparison tool |
Note: Promo codes are subject to change. To get the latest promo codes, visit our comparison of the best health insurances.
FAQ
Who can apply for AHM health insurance?
You can subscribe directly via the official AHM website, but it is always recommended to compare available offers online first to make sure you’re getting the best value. For this, you can use our health insurance comparison tool.
Are there any age requirements with AHM?
AHM typically requires policyholders to be at least 18 years old to apply for cover. There is no indicated maximum age limit for joining, but age can impact premium amounts and cover options.
Is it possible to add or remove insured members with AHM?
Yes, you can add or remove members such as partners or children from your AHM health insurance policy. This can usually be managed through your online account or by contacting AHM directly at any time.
What types of cover does AHM offer?
AHM provides several types of private health cover, including hospital cover, extras cover for services like dental and optical, and combined packages. You can select options that fit your individual or family needs.
Does AHM offer waiting periods for benefits?
Yes, most private health insurance plans in Australia, including AHM, have waiting periods for certain treatments or services, especially for new policies. These periods vary depending on the benefit and service.
How does claiming work with AHM?
Claims can typically be submitted through the AHM online portal or mobile app. For extras like dental or optical, many providers can process claims on the spot using your membership card. For hospital services, AHM may settle directly with the provider.
Who can apply for AHM health insurance?
You can subscribe directly via the official AHM website, but it is always recommended to compare available offers online first to make sure you’re getting the best value. For this, you can use our health insurance comparison tool.
Are there any age requirements with AHM?
AHM typically requires policyholders to be at least 18 years old to apply for cover. There is no indicated maximum age limit for joining, but age can impact premium amounts and cover options.
Is it possible to add or remove insured members with AHM?
Yes, you can add or remove members such as partners or children from your AHM health insurance policy. This can usually be managed through your online account or by contacting AHM directly at any time.
What types of cover does AHM offer?
AHM provides several types of private health cover, including hospital cover, extras cover for services like dental and optical, and combined packages. You can select options that fit your individual or family needs.
Does AHM offer waiting periods for benefits?
Yes, most private health insurance plans in Australia, including AHM, have waiting periods for certain treatments or services, especially for new policies. These periods vary depending on the benefit and service.
How does claiming work with AHM?
Claims can typically be submitted through the AHM online portal or mobile app. For extras like dental or optical, many providers can process claims on the spot using your membership card. For hospital services, AHM may settle directly with the provider.
