ahm health insurance (AHM)

More than 500,000 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.

This information is provided by the insurer

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

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

Ombudsman complaints compared to market share
All complaints 18.5% 27.3% market share
Investigated complaints 19.7%
Health Insurer Retention and Finances Industry result
Member retention (hospital cover) 86% 86%
Benefits as % of contributions 83.6% 85.4%
Management expenses % of contribution income 7.7% 9.5%
Management expenses per average policy $271 $358
Coverage ACT NSW VIC QLD SA WA TAS NT Australia
Hospital Related Charges Covered 83.6% 89.3% 92.3% 89.9% 92.0% 90.3% 93.5% 90.0% 90.6%
Industry Result 83.1% 89.7% 91.9% 90.3% 93.9% 93.0% 93.4% 90.0% 91.0%
Medical Services with No Gaps 76.5% 87.0% 87.0% 85.7% 84.7% 72.7% 90.7% 86.2% 85.5%
Industry Result 78.1% 89.8% 88.8% 89.7% 90.7% 87.6% 91.6% 88.5% 89.3%
Medical Services with No or Known Gaps 94.4% 97.0% 97.5% 95.9% 99.4% 90.2% 98.9% 95.9% 96.5%
Industry Result 92.7% 96.5% 97.6% 96.8% 99.1% 97.0% 98.2% 96.2% 97.1%
General Treatment (extras) Covered 49.0% 51.6% 53.8% 55.4% 58.3% 58.3% 54.7% 60.0% 54.3%
Industry Result 47.7% 50.1% 51.7% 53.4% 56.7% 56.6% 54.1% 58.8% 52.6%
Private Hospital Agreements 5 93 69 49 21 21 9 1 -
Industry Maximum 6 99 84 61 27 28 9 2 -
Day Hospital Agreements 6 75 52 44 21 21 6 1 -
Industry Maximum 11 108 94 64 35 39 9 2 -
Address:
Locked Bag 4
Wetherill Park
NSW 2164
Phone: