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ahm Health Insurance Review

ahm has some great value extras policies, as well as some of the most flexible on the market (especially choosable extras). ahm hospital policies are also very competitive on price.

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By

Gary Ross Hunter

Updated

Fact checked
4.1 ★★★★★ (115 reviews) Write a review

Pros

  • It's the only insurer to let you skip waiting periods for things like general dental, optical and physio with some of its extras policies.
  • It's cheaper than most health insurers. Its basic extras (from $12.48 p/m) and hospital options (from $75.13 p/m) are some of the cheapest policies available on Finder.

Cons

  • It's top-tier cover is more expensive than others. HBF, Medibank and HCF's gold-tier policies are all cheaper.

Sign-up deals with ahm health insurance for 2024

1 - 3 of 3
Updated regularly
Name Product

Roll over your extras limits

Most unused extras limits rolled over until June 2025. Join by June 30 for up to double limits on most extras. Exclusions & T&Cs apply.

Get deal
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Get up to 8 weeks free

For new joins who maintain eligible combined hospital & extras. T&Cs apply. Learn more.

Get deal
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Get 6 weeks free extras cover

For new joins only. Offer applied after 60 days on extras-only cover. Learn more.

Get deal
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What types of health insurance does ahm offer?

1 - 5 of 5
Updated regularly
Name Product Treatments Price Apply Hide Compare
starter flexi basic
Basic$750 excess
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
    • +3 other treatments covered
$101.36
per month
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All treatments
essentials flexi basic plus
Basic Plus$750 excess
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
    • +2 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
    • +4 other treatments covered
$130.62
per month
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All treatments
lite flexi bronze plus
Bronze Plus$750 excess
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
    • +18 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
    • +7 other treatments covered
$153.76
per month
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All treatments
classic flexi silver plus
Silver Plus$750 excess
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
    • +29 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
    • +6 other treatments covered
$187.99
per month
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All treatments
deluxe flexi silver plus
Silver Plus$750 excess
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
    • +30 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
    • +6 other treatments covered
$236.73
per month
Go to Site
All treatments
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1 - 6 of 6
Updated regularly
Name Product Treatments Price Apply Hide Compare
starter basic
Basic$750 excess
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
$82.71
per month
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All treatments
essentials basic plus
Basic Plus$750 excess
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
    • +5 other treatments covered
$87.04
per month
Go to Site
All treatments
starter bronze
Bronze$750 excess
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
    • +14 other treatments covered
$88.70
per month
Go to Site
All treatments
core bronze plus
Bronze Plus$750 excess
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
    • +17 other treatments covered
$113.58
per month
Go to Site
All treatments
starter silver
Silver$750 excess
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
    • +22 other treatments covered
$122.40
per month
Go to Site
All treatments
advanced hospital gold
Gold$750 excess
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
    • +30 other treatments covered
$273.97
per month
Go to Site
All treatments
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1 - 10 of 15
Updated regularly
Name Product Treatments Price Apply Hide Compare
choosable 50 – teeth
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
    • +1 other treatments covered
$12.97
per month
Go to Site
All treatments
black 50 saver
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
$14.17
per month
Go to Site
All treatments
choosable 60 – teeth / eyes
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
    • +2 other treatments covered
$37.28
per month
Go to Site
All treatments
choosable 60 – teeth / wellbeing
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
    • +4 other treatments covered
$38.04
per month
Go to Site
All treatments
choosable 60 – teeth / muscle & bone
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
    • +2 other treatments covered
$38.30
per month
Go to Site
All treatments
black 60
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
    • +1 other treatments covered
$42.03
per month
Go to Site
All treatments
choosable 60 – teeth / eyes / wellbeing
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
    • +4 other treatments covered
$48.59
per month
Go to Site
All treatments
choosable 60 – teeth / eyes / muscle & bone
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
    • +2 other treatments covered
$48.82
per month
Go to Site
All treatments
choosable 60 – teeth / wellbeing / muscle & bone
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
    • +4 other treatments covered
$49.53
per month
Go to Site
All treatments
Lifestyle Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
    • +4 other treatments covered
$57.41
per month
Go to Site
All treatments
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ahm health insurance: Our experts 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 – the classic, lifestyle, family and super extras policies let you do this.
  • You want cheap basic and mid-level hospital policies.

ahm is not great if:

  • You want a gold tier policy at an affordable price.

ahm is one of the cheapest insurers on the market for basic and mid-level hospital options. These cover treatments such as ear, nose and throat, joint reconstructions, chemotherapy and diabetes management. If you're older and have some health issues, such as cataracts or need a joint replacement, there are cheaper top-tier gold policies though. The same is true if you're looking for pregnancy cover (ahm's owners, Medibank offer a much more comprehensive option). As for its extras cover, its no waiting period option has literally saved me hundreds of dollars several times on dental, physio and optical.

Gary Ross Hunter

Gary Ross Hunter
Insurance and innovations editor

Top health insurance picks for ahm

ahm has lots of policies so our health insurance experts have selected 3 they feel represent good value, which you can see at the top of this page. We selected them based for the following reasons:

  • ahm lifestyle Extras: You get to skip 2- and 6-month waiting periods on treatments including general dental, optical and physio.
  • ahm starter bronze: At $86.13 per month*, it's the cheapest bronze-level cover available on Finder. The average cost of a bronze policy is $100.45 a month.
  • ahm starter silver: At $109.09 per month*, it's the 2nd cheapest silver-level cover available on Finder.

How do customers rate ahm health insurance?

As part of Finder's customer satisfaction awards, we asked 290 Australians for their honest opinion about their health insurer and if they would recommend them to a friend. ahm received an overall score of 4.3/5.

ahm health insurance complaints

We looked at the 2022 Ombudsman health insurance complaints. Because ahm is owned by Medibank, they're grouped together. Here's how they stacked up:

  • ahm/Medibank had fewer complaints than its market share. It counts 27.5% of the market, but has a comparatively low 19.30% of complaints.
  • ahm/Medibank had a better complaints score than other big health funds like Bupa and HCF..
  • Some smaller funds, including CUA Health and Peoplecare, had a better complaints score.
This chart shows the weighted volume of complaints received by each health fund, according to the Commonwealth Ombudsman. The lower the number, the better. Only non-restricted funds with a national market share of at least 0.1% are included here. ahm/Medibank is fourth overall in this ranking. The weighting ensures that funds are compared fairly; larger funds serve more customers so can potentially get more complaints.

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