ahm health insurance (AHM)
More than 900,000 Australians have trusted ahm with their health insurance over the past 40 years, at the same time supporting a local success story and a 100% Australian-owned business.
We've been around long enough to know that lots of Australians want no-nonsense health insurance. So we make it easier to make the most of your cover. We take a fresh approach to health insurance and cut out the complexity. Everything we do is about making things simpler, so you can make the most of what matters to you. Now it's easier than ever to use and manage your cover, with affordable and flexible health insurance packages, a completely redesigned online experience and top-notch, digital-first service.
And we're part of Medibank - one of Australia's largest health insurers.
ahm health insurance provide further information regarding:
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 see Agreement Hospitals for this insurer and further details are available from the insurer.
Business Structure
This insurer operates on a for-profit basis and is owned by Medibank
ahm health insurance operates in all states and territories.
Performance
This table compares this health insurer's performance on a range of factors. Some of this information has previously been published in the Private Health Insurance Ombudsman's State of the Health Funds report, available from the Ombudsman's website (www.ombudsman.gov.au). Please note information is not provided for some insurers in some states, as there are insufficient numbers reported for states in which the insurer does not have a large membership.
| Ombudsman complaints compared to market share | ||
|---|---|---|
| All complaints | 29.9% | 27.1% market share |
| Investigated complaints | 19.2% | |
| Health Insurer Retention and Finances | Industry result | |
|---|---|---|
| Member retention (hospital cover) | 86.9% | 86.5% |
| Benefits as % of contributions | 83.4% | 81.1% |
| Management expenses % of contribution income | 7.4% | 10.8% |
| Management expenses per average policy | $263 | $413 |
| Coverage | ACT | NSW | VIC | QLD | SA | WA | TAS | NT | Australia |
|---|---|---|---|---|---|---|---|---|---|
| Hospital Related Charges Covered | 82.4% | 89.0% | 91.5% | 88.9% | 91.4% | 90.7% | 92.9% | 88.5% | 90.0% |
| Industry Result | 81.8% | 88.7% | 90.5% | 88.9% | 92.6% | 92.4% | 92.4% | 88.6% | 89.9% |
| Medical Services with No Gaps | 74.7% | 86.4% | 84.4% | 82.3% | 82.1% | 77.6% | 90.9% | 84.1% | 83.8% |
| Industry Result | 75.6% | 89.3% | 87.3% | 87.8% | 89.0% | 88.9% | 91.2% | 86.7% | 88.3% |
| Medical Services with No or Known Gaps | 93.7% | 96.8% | 97.4% | 95.1% | 99.0% | 94.7% | 98.7% | 95.4% | 96.5% |
| Industry Result | 91.2% | 96.4% | 97.8% | 96.8% | 99.3% | 98.0% | 98.8% | 95.9% | 97.2% |
| General Treatment (extras) Covered | 47.6% | 49.8% | 52.2% | 53.3% | 56.8% | 57.0% | 52.8% | 59.5% | 52.6% |
| Industry Result | 46.4% | 48.4% | 50.5% | 51.4% | 55.2% | 55.9% | 51.8% | 57.7% | 51.1% |
| Private Hospital Agreements | 5 | 94 | 65 | 49 | 19 | 21 | 5 | 1 | - |
| Industry Maximum | 8 | 98 | 72 | 58 | 24 | 24 | 8 | 2 | - |
| Day Hospital Agreements | 6 | 76 | 52 | 44 | 21 | 20 | 7 | 1 | - |
| Industry Maximum | 9 | 104 | 79 | 54 | 30 | 29 | 9 | 2 | - |