Skip to content
Explore Overview
Reviewed and updated 3 April 2024

About ahm

What is ahm?

ahm health insurance (ahm) is a private health insurer that operates as an open health fund

Background 

Established in Wollongong NSW 40 years ago, ahm was taken over by Medibank Private in 2009. 

Currently, it has over 950,000 members. 

Who can join ahm?

Anyone can take out health cover with ahm because it is an open health fund.

What products does ahm offer?

ahm offers:

Do ahm policies include Ambulance Cover?

ahm includes medically necessary Ambulance Cover with: 

  • Hospital Cover
  • Combined Hospital and Extras Cover.

Check your policy to see whether Ambulance Cover is capped.


Is ahm a not-for-profit health insurer?

No. ahm is a for-profit health insurer.


Does ahm operate in all Australian states and territories?

Yes. ahm operates in all Australian states and territories.


How does ahm Hospital Cover compare with other insurers?

BenchmarksahmIndustry average
Member retention for Hospital Cover87.6%88.6%
% hospital-related charges covered90.6%90.6%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2022

Note: As ahm is a subsidiary of Medibank, these statistics are for Medibank.


Does ahm have agreements with some private hospitals or day hospitals to provide services at low cost or with no out-of-pocket costs?

Yes. ahm has agreements with a number of private hospitals that allow it to provide services to its members at low cost or with no out-of-pocket costs:

LocationNumber of private Agreement HospitalsIndustry maximum
ACT56
NSW9298
NT12
QLD5060
SA2023
TAS99
VIC6576
WA2124

ahm also has agreements with a number of day hospitals so it can provide services at low cost or with no out-of-pocket costs:

LocationNumber of day Agreement HospitalsIndustry maximum
ACT69
NSW77103
NT12
QLD4457
SA2130
TAS68
VIC5379
WA2024

Source: ahm: performance

Note: As ahm is a subsidiary of Medibank, these statistics are for Medibank.


How does ahm Extras Cover compare with other insurers?

Benchmarkahm Industry average
% Extras Cover charges covered53.4%52.0%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2022

Note: As ahm is a subsidiary of Medibank, these statistics are for Medibank.


How does ahm compare with other private health insurers?

Benchmarksahm Industry average
Market share27.4%
% services with no gap84.6%88.8%
% services with no gap or where known gap payment made96.6%97.4%
Market share of complaints to the PHIO19.3%
% complaints investigated by the PHIO15.6%
Benefits as a % of contributions83.7%83.1%
Management expenses as a % of contribution income7.5%9.9%
Management expenses per average policy$262$375

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2022

Note: As ahm is a subsidiary of Medibank, these statistics are for Medibank.


Is ahm a member of any industry associations?

Yes. Through its parent company Medibank, ahm is a member of Private Healthcare Australia (PHA). This body represents 21 registered health insurers and 98% of people covered by private health insurance.


Does ahm let you claim online or via an app?

Yes. ahm allows you to make a claim online for most (but not all) services. Use its online portal with your membership number or the ahm app.


How to contact ahm

Phone:

134 246

Website:

https://ahm.com.au/

SMS:

0439 183 474

Address:

Not available

Postal address:

Locked Bag 4
WETHERILL PARK NSW 2164


Compare ahm with other private health insurers

Use our healthslips.com.au Calculator to find the best health insurance for you.

Related Content

advertisement
calculate your cheapest health insurance