Essential Hospital* & Essential Hospital Level 5

Essential Hospital* and Essential Hospital Level 5 includes hospital accommodation and ambulance costs. It’s suitable for singles, couples and families who don’t need cover for pregnancy or hip and knee joint replacements.

To keep the premium lower, Essential Hospital Level 5 comes with a co-payment.
More on how the co-payment works »

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

What am I covered for?

Essential Hospital Level 5 include the following:

  • Medical gap (refer to the policy document for more information)
  • Accommodation** – private or shared room
  • Operating Theatre**
  • Intensive care**
  • Major Eye Surgery
  • Psychiatric Services
  • Rehabilitation
  • Palliative Care
  • Cardio–thoracic procedures, including open heart and bypass surgery and invasive cardiac procedures such as angiograms
  • Surgically implanted prostheses – we'll cover the cost of any No Gap prostheses, and the minimum benefit for Gap Permitted prostheses.
  • Ambulance transport
  • Travel and accommodation related to hospitalisation (refer to the policy document for more information)
  • Disease prevention, chronic disease management and hospital substitute programs

For a full run down, download a policy document, effective 1 April 2009.

** Except for restricted services (below)

Restricted Services

We pay the default benefit for restricted services and services not covered by Medicare. Restricted services include:

  • Hip and knee joint replacements
  • Pregnancy related services/obstetrics
  • Assisted reproductive services (eg.IVF and GIFT)
  • Male and female sterility reversals
  • Cosmetic surgery where not considered medically necessary
  • Services not covered by Medicare unless otherwise specified
  • Services where Medicare do not pay a benefit (eg. where patient is not Medicare eligible)

What does it cost?

It's easy to check the cost of your health insurance, just use our Quick Quote.

To compare quotes for all our hospital covers, check our Premiums at a Glance.

Join ahm

  • Interested in joining ahm? Find a cover to suit you using our Health Cover Selector.
  • If you would like our help in choosing the best health insurance cover for you, call ahm on 134 246 or we can call you.

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Please Note: For definitions on the terms used above, please see Important Information.
This is important information about your policy. Please read this in conjunction with your policy document which you can download and save for future reference.