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Hospital Covers
We offer 4 different types of hospital cover summarised below, including health and support programs with each of these health insurance covers. Not sure which one you want? Why not compare hospital covers.
Top Hospital
Suitable for those who want comprehensive hospital cover, including hip and knee replacements, pregnancy & IVF, and cardiac. It's available with no co-payment, or two levels of co-payment so you can keep your premium lower. More about Top Hospital cover.
Family Hospital
Family Hospital is a mid-range product aimed at families or if you're planning a family. It's available with or without a co-payment. More about Family Hospital.
Essential Hospital
Essential Hospital includes hospital accommodation and ambulance fees and is available with or without a co-payment. Suitable for those who don’t need cover for pregnancy or hip or knee replacements. More about Essential Hospital.
Basic Hospital
Basic Hospital is designed for younger people who are less likely to need full cover for things like pregnancy or hip replacements and includes a fixed co-payment. 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 covers.
Health and support programs
Like other health insurance funds we cover you for hospital accommodation in most hospitals around Australia. But we also do more by including the following benefits with all hospital covers:
- Health and Disease Management Programs - designed to help you achieve and maintain good health. More about Total Health.
- Hospital Support 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 Support 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. More information on Ambulance Cover.
Code of Conduct
ahm is proud to be one of the first signatories to the Private Health Insurance Code of Conduct. This is a voluntary health insurance industry code, designed to assist consumers by providing clear information and transparency when dealing with their health fund.