When can I start to claim? As soon as you have served your waiting periods. A waiting period is a set amount of time before you can claim any money back for a service included on your cover. Waiting periods apply when you first join or re-join after not having had health insurance for some time or if you change to a higher level of cover that has additional services or higher limits. For more information on claiming and waiting periods see the Member Guide.

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Hospital and Extras Packages Starter Basic. It covers you for accidents, including accident override and limited medically necessary ambulance.

Essentials Basic Plus. This gives you limited medically necessary ambulance and accident override as well as things like dental surgery and joint reconstructions. Starter Bronze. Bronze cover includes the 18 clinical categories required for a Bronze rating including important services such as chemotherapy, radiotherapy and immunotherapy for cancer. Lite Bronze Plus.

As well as everything included in the Starter Bronze package, services also include hospital services for back, neck and spine, dental surgery and lung and chest. Core Bronze Plus. This product includes the minimum standard clinical categories required for a Bronze rating as well as Lite Bronze. It also includes medically necessary plastic and reconstructive surgery and more. Starter Silver. This product covers the 26 clinical categories required for a Silver rating including heart and vascular system.

Classic Silver Plus. As well as the minimum standard clinical categories required for a Silver rating, Classic Silver also includes palliative care and rehabilitation. Deluxe Silver Plus. Deluxe Silver includes all the perks of Classic and more.

Top Hospital Gold. The top level of hospital insurance, this policy includes all 38 clinical categories required for a Gold rating including pregnancy and birth services.


Extras cover

Might be best suited to people needing more medical care, as this is the only package option that includes: Major dental Hip and knee replacements Dialysis for chronic kidney failure Important: For a complete list of procedures and treatments included in each plan, please request a quote or visit the AHM website. Also, all service providers for Hospital and Extras must be recognised by AHM before they can pay a benefit. What is AHM Flexi limit? The amount of services you can choose will also depend on the policy you have. However, no hospital excess is required for kids going to the hospital. Take note: As of 1 April , all health insurers are required to adopt the standard clinical Hospital categories Gold, Silver, Bronze and Basic.


ahm Health Insurance



My child is 21 - what now?


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