Hospital Cover

We offer 4 different types of hospital cover summarised below, including health management programs with each of these health insurance covers. Not sure which one you want? Why not compare hospital covers.

Top Hospital

Designed for those who want comprehensive hospital cover, providing for services such as pregnancy, heart procedures and hip and knee joint replacements, in addition to hospital accommodation and ambulance fees. This product is also available with a co-payment to help reduce your premiums. Choose from either Top Hospital Level 5 or Level 8. More about Top Hospital cover.

Family Hospital Level 5

Designed to meet the needs of singles, families or if you’re planning to have children, Family Hospital Level 5 covers a range of services including pregnancy, IVF and sterility reversal. To keep the premium lower, Family Hospital Level 5 comes with a co-payment. More about Family Hospital Level 5.

Please note: From 1^st August 2009, Family Hospital will be closed.

Essential Hospital Level 5

Designed for singles, couples and families who don’t need cover for pregnancy or hip and knee joint replacements. Essential Hospital Level 5 includes hospital accommodation and ambulance costs and comes with a co-payment. More about Essential Hospital Level 5. More about Essential Hospital Level 5.

Please note: From 1^st August 2009, Essential Hospital will be closed.

Basic Hospital

Designed for younger people less likely to need full cover for certain procedures and treatments, Basic Hospital pays a minimal (default) private hospital benefit for some services like pregnancy, heart and hip and knee joint replacements. It includes access to several disease prevention and chronic disease management programs to help you achieve and maintain good health. More about Basic Hospital.

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.

Looking after your 'broader' health

ahm believes that quality health insurance should be more than just providing hospital cover or paying for things like new glasses and contact lenses. That’s why we’ve been helping our policy holders look after their health for over a decade through our health management programs. We cover the full cost of our health management programs so you can just enjoy the benefits of better health. Depending on the cover you choose, we offer:

• Disease prevention and health management programs - designed to help you achieve and maintain good health. More about improving your health with ahm Total Health ».
• Hospital substitute programs - taking a different approach to your hospital treatment options by helping you to shorten or avoid a visit to hospital altogether. More on our Hospital substitute programs »
• Plus we offer a range of other benefits such as travel and accommodation and a 24-hour emergency helpline.

Our hospital covers also include full coverage for all ambulance costs.

Private Health Insurance Code of Conduct

ahm adheres to the Private Health Insurance Code of Conduct. This is a self-regulatory code that promotes informed relationships between private health insurers, consumers agents and brokers.