Hospital Cover

Looking for a Hospital cover to suit you? You’ve come to the right place. Our range of health cover choices and packages are designed to suit your budget and needs. Better yet, at ahm we offer more than just health insurance, we help you look after your health as well.

Use the table below to see our range of Hospital covers:

Hospital cover	What you're covered for
Basic Hospital Find out more »	All our hospital covers offer: hospital accommodation at most private and all public hospitals across Australia* choices that you can’t get with Medicare payment of the medical gap with participating doctors all agreed hospital charges* operating theatre* intensive care* Health Management Programs** health checks no exclusions ambulance transport where medically necessary * Except restricted services Some eligibility criteria apply to certain programs Some of the services covered by Basic Hospital** are: Accommodation* in a private or shared room Operating theatre* Intensive care* Palliative care Surgically implanted prostheses - we’ll cover the cost of any No Gap prostheses, and the minimum benefit for Gap Permitted Prosthesis Ambulance transport where medically necessary Travel and accommodation related to a hospitalisation Disease prevention and chronic disease management programs Medical gap * Except restricted services More about Basic Hospital » Some of the services covered by Essential Hospital Level 5 are: Accommodation* in a private or shared room Operating theatre* Intensive care* Major eye surgery (waiting periods apply) Dialysis Psychiatric services Rehabilitation Cardio-thoracic procedures including open heart and bypass surgery and other invasive cardiac procedures such as angiograms and stents Palliative care Surgically implanted prostheses - we’ll cover the cost of any No Gap prostheses, and the minimum benefit for Gap Permitted Prosthesis Ambulance transport where medically necessary Travel and accommodation related to a hospitalisation Disease prevention and chronic disease management programs Medical gap Except restricted services More about Essential Hospital Level 5 » Some of the services covered by Family Hospital Level 5* are: Accommodation* in a private or shared room Operating theatre* Intensive care* Obstetrics Labour ward Fertility treatments eg. IVF and GIFT programs (inpatient services only) Midwife assisted home births Male and female sterility reversals Psychiatric services^# Rehabilitation^# Cardio-thoracic procedures including open heart and bypass surgery and other invasive cardiac procedures such as angiograms and stents Surgically implanted prostheses - we’ll cover the cost of any No Gap prostheses, and the minimum benefit for Gap Permitted Prosthesis Ambulance transport where medically necessary Travel and accommodation related to a hospitalisation Health Management, pregnancy support and chronic disease management programs Medical gap * Except restricted services ^# 30 day limit per year applies. Once you’ve reached your limit, we’ll pay the default (minimum) benefit only. More about Family Hospital Level 5 » Some of the services covered by Top Hospital (incl. Level 5 & Level 8) are: Accommodation* in a private or shared room Operating theatre* Intensive care* Obstetrics Labour ward Fertility treatments eg. IVF and GIFT programs (inpatient services only) Midwife assisted home births Male and female sterility reversals Hip and knee joint replacements Major eye surgery (waiting periods apply) Dialysis Gastric banding surgery Psychiatric services Rehabilitation Palliative care Cardio-thoracic procedures including open heart and bypass surgery and other invasive cardiac procedures such as angiograms and stents Surgically implanted prostheses - we’ll cover the cost of any No Gap prostheses, and the minimum benefit for Gap Permitted Prosthesis Ambulance transport where medically necessary Travel and accommodation related to a hospitalisation Health Management, pregnancy support and chronic disease management programs Medical gap * Except restricted services More about Top Hospital »
Essential Hospital Level 5 Find out more »
Family Hospital Level 5 Find out more »
Top Hospital Top Hospital Level 5 Top Hospital Level 8 Find out more »

Note: The Hospital cover options listed above only show those products available to purchase directly from ahm.

Still not sure which one you want? Why not compare Hospital covers?

Looking for a package?

Combine any of our Hospital covers with any of our Extras covers to create a package to suit you. Use our Quick Quote tool to find the combination that best suits your needs and budget.

Why do I need Hospital cover?

Hospital cover offers you greater control over your hospital stay should you need one. With hospital cover, you get to choose who treats you, where you are treated and can even reduce the waiting times on some procedures. Hospital cover can also help reduce your tax and it can help you avoid the Lifetime Health Cover (LHC) loading if you are 31 years or older.

Most importantly, your ahm hospital cover gives you choices that you can’t get with Medicare alone.

Back to top

Looking after your health

ahm believes that quality health insurance should be more than just providing Hospital cover. That’s why we’ve been helping our members look after their health for over a decade through our health management programs.

We cover the full cost of these programs provided by ahm recognised providers for eligible members, so you can enjoy the benefits of better health.

We have programs# to help you:
set a health goal and plan to achieve it
answer questions about your pregnancy or new baby^#
manage a complex or chronic condition
access benefits for disease management appliances.

More about ahm Health Management Programs »

^# Programs are subject to eligibility criteria and aren’t available on all covers. Check your policy document for details.

+18 Cover

+18 is an option for families and single parents to keep their children who are single, 18-25 years old, but who aren’t studying full time covered on their own policy.

More about +18 Cover »

Compare Hospital Covers

To help you make your health insurance decision, look at what services are offered under each hospital cover option. Compare hospital covers.

Important information

For more information on how your policy works, please read Important information for Hospital cover.

Not sure which cover is best for you?

Remember, we’re available to help you! If you have a question, need more information or would like our help in choosing the best health insurance cover for you, feel free to give us a call on 134 246 or fill in the form on our Contact Us page and we’ll get back to you.

Back to top

Privacy
Security
Terms & Conditions
ABN: 96 003 683 298

134 246