Basic Hospital is a health insurance product designed for younger people less likely to need full cover for certain procedures and treatments. A fixed co-payment applies. More on how the co-payment works.

It pays a reduced private hospital benefit for some services like pregnancy and hip and knee replacements - see below. Plus there's access to several programs to help you achieve and maintain good health.

What am I covered for?

• Accommodation* - private or shared room at most private and all public hospitals in Australia
• Medical gap with participating doctors
• Operating Theatre*
• Ambulance transport
• Knee reconstructions
• No Gap prostheses and the minimum benefit for Gap Permitted prostheses^a
• Disease prevention, chronic disease management and hospital substitute programs
• Doctor health checks and Healthy Heart checks

For a full run down, download a policy document, effective 1 May 2008.

* Except for restricted services (below).

^aFrom 31 October 2005, Commonwealth legislation allows for a Gap payment for a small number of prostheses on the Government’s Prostheses List. The majority of those listed are No Gap prostheses that are fully covered by ahm. Find out more »

Restricted Services

Basic Hospital pays a restricted benefit for the following services:

• Cardio-thoracic procedures, including open heart and bypass surgery, and invasive cardiac procedures such as angiograms.
• Hip joint replacements
• Knee joint replacements
• Pregnancy related services (obstetrics)
• Assisted reproductive services such as IVF and GIFT Programs
• Dialysis
• Psychiatric Services
• Rehabilitation
• Cosmetic surgery where not considered medically necessary
• Services not covered by Medicare

Restricted services attract a default benefit which is determined by the Federal Government.

For a full run down, download a policy document.

What does it cost?

It's easy to check the cost of your health insurance cover, 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? For help in finding a health insurance cover, use our Health Cover Selector.
• You can also call the health fund 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.