Basic Hospital

Looking for cover which has benefits for the basics? Then this cover is for you.

Basic Hospital is designed for people less likely to need full cover for certain procedures and treatments. It pays a default (minimum) benefit for some services like pregnancy, heart, dialysis and hip and knee joint replacements (full or partial).

To keep the premium lower, Basic Hospital comes with a co-payment that you and each person on your policy pay if admitted to a hospital or day surgery. Find out more about how the co-payment works.

And you can also access ahm’s Health Management Programs to help you achieve and maintain good health. 

• What you’re covered for »
• Where you’re covered »
• Restricted services »
• Health improvement benefits » 
• Waiting periods »
• Important information »
  

For a full run down, download a policy document.

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.

What you're covered for?

There are more services we pay for than we can include here, so make sure you call us before you go to hospital or have any treatments to confirm the benefits you’ll receive.

Hospital cover options Most common hospital services	Basic Hospital
Co-payments (per person per membership year)	$500
Ambulance transport where medically necessary
Palliative care
Surgically implanted prostheses We’ll cover the cost of any No Gap prostheses, and the minimum benefit for Gap Permitted Prosthesis
Travel & accommodation for a hospitalisation
Health management programs	1
Health checks
Obstetrics and labour ward
Fertility treatments – IVF and GIFT (inpatient services only)
Midwife assisted home births
Male and female sterility reversals
Hip & knee joint replacements
Major eye surgery
Dialysis
Gastric banding surgery
Psychiatric services
Rehabilitation
Cardio-thoracic procedures
Disease management appliances
Covered for all agreed charges This service isn't fully covered on this level and you'll only get a default (minimum) benefit.

¹Except for ahm's Pregnancy Support Program

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Where you're covered

We’ll cover you when treated at a:

• Partner private hospital (including Partner day surgery)
• Public hospital
• Non agreement hospital*

* Default (minimum) benefit only

Restricted services

We pay the default (minimum) benefit only for restricted services and services not covered by Medicare in either a private or public hospital. Restricted services include:

• Cardio-thoracic procedures, including open heart and bypass surgery and other invasive cardiac procedures such as angiograms and stents
• Hip and knee joint replacements (full or partial)
• Pregnancy related services/obstetrics
• Assisted reproductive services (eg. IVF and GIFT)
• Dialysis
• Major eye surgery
• Any gastric banding and associated surgery
• Psychiatric services
• Rehabilitation
• Male and female sterility reversals
• Podiatric surgery
• Cosmetic surgery where not considered medically necessary
• Services not covered by Medicare unless otherwise specified
• Services where Medicare doesn’t pay a benefit (eg. where patient is not Medicare eligible).

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Health improvement benefits

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Waiting periods

When you take out private hospital cover or change your level of cover, you’ll have to wait a set time before you can claim for services and benefits you weren’t previously covered for.

Where benefits are greater on your new level of cover, we’ll pay the benefit at the amount on your previous level of cover until the waiting period is served.

Important information

For more information on how your policy works, please read our Important Information for hospital cover.

Please Note: 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.

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