ahm Health Insurance (AHM)

ahm Health Insurance is one of the country’s leading health insurance brands caring for the health of over 370,000 people across Australia. Since our origins as a small club in 1971 started by our founder Roy Johnson, we have been dedicated to caring for the health and wellbeing of our members and have earned a reputation as an industry leader in providing a full range of health insurance products and exceptional service.
We take pride in offering quality health cover that suits different budgets and lifestyles and represents real value. We have a wide range of hospital and extras covers offering a range of popular treatments.
Recognising that health insurance can be complex, we are committed to making health insurance easier to understand. Our expert staff know the Australian health care system and will provide you with the best advice and support to help you find what’s right for your needs.
We’ll also help you get what you are entitled to and even go so far as to contact members when they haven’t made a claim in a while. And when you do want to claim, we make it easier having been the first to offer telephone and online claiming.
As we listen to our members we understand the importance of helping them to lead a healthier life. ahm Health Insurance has been at the forefront of providing health improvement programs for over 15 years with our members benefiting from general health coaching, extra support for managing chronic and complex health needs as well as access to an experienced midwife for advice and information during pregnancy.
This information is provided by the fund

ahm Health Insurance provide further information regarding Gap cover doctors, Agreement hospitals, Preferred providers, Ambulance cover information and Overseas students .

Agreement Hospitals

This fund has agreements with some private hospitals or day surgeries to provide services at low or no out-of-pocket costs. You can view Agreement Hospitals for this fund in your region and further details are available from the fund.

Business Structure

This insurer operates on a for-profit basis and is owned by Medibank.

ahm Health Insurance operates in all states and territories.


The Private Health Insurance Ombudsman prepares an annual report on the service delivery and performance of Australian health funds. The following is a selection of statistics about this health fund - the full report and an explanation of these figures is available from the Ombudsman's website. Please note information is not provided for some funds in some states, as there are insufficient numbers reported to PHIAC for states in which the fund does not have a large membership.

Performance Fund Industry
Benefits as a % of contributions 87.2% 86.9%
Management expenses (% cont) 9.2% 8.8%
Management expenses (average policy) $270 $263
Surplus 3.6% 4.3%
Member retention (%) 83.6% 87.8%
Hospital Related Charges Covered 82.1% 88.9% 94.0% 91.0% 94.3% 91.4% 93.4% 88.7%
Industry Result 81.4% 89.1% 93.3% 90.4% 95.7% 92.9% 93.5% 88.3%
Medical Services with No Gaps 80.6% 89.4% 93.8% 91.1% 94.7% 81.6% 88.1% 84.2%
Industry Result 77.8% 88% 91.5% 88.2% 93.6% 81.6% 89.3% 81.5%
Medical Services with No or Known Gaps 88.0% 92.9% 97.8% 95.1% 98.7% 87.9% 98.4% 94.0%
Industry Result 82.2% 89.8% 92.2% 90.9% 96% 94.7% 95.4% 87.8%
General Treatment (extras) Covered 44.5% 51.9% 51.5% 53.0% 56.4% 53.4% 51.2% 53.8%
Industry Result 45.8% 50.6% 51.4% 52.6% 55% 52.7% 51% 52.1%
Private Hospital Agreements 3 78 70 48 30 19 5 1
Industry Maximum 5 90 76 54 30 21 6 1
Day Hospital Agreements 5 69 50 36 19 13 2 1
Industry Maximum 10 85 72 49 25 21 4 1
Share of PHIO complaints Compared to fund's market share
Benefit Complaints 36% 29.4%
Service Complaints 29.9%
All Complaints 33%
Investigations 31.9%
Locked Bag 1006
NSW  2036

Phone: 134 246
Email: info@ahm.com.au
Website: http://www.ahm.com.au
Branches: http://www.ahm.com.au/contact-us

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