(before any rebate, loading or discount)
Covers two adults & dependants (3 or more people, only 2 of whom are adults)
Available in Tasmania
Closed to new members
# You may be entitled to an Australian Government rebate on the above premium. Your premium may also include a Lifetime Health Cover loading, an age-based discount or an insurer discount. Check with your insurer for details.
This policy covers children and other dependants up to and including the age of 20, students up to and including the age of 30, as well as persons with a disability who qualify as a child or other dependant or student in these age ranges.
This policy exempts you from the Medicare Levy Surcharge.
This policy provides accident cover and benefits for travel or accommodation (outside of hospital) - check with your insurer for details.
| Assisted reproductive services | Eye (not cataracts) | Miscarriage and termination of pregnancy |
| Back, neck and spine | Gastrointestinal endoscopy | Pain management |
| Blood | Gynaecology | Pain management with device |
| Bone, joint and muscle | Heart and vascular system | Palliative care |
| Brain and nervous system | Hernia and appendix | Plastic and reconstructive surgery (medically necessary) |
| Breast surgery (medically necessary) | Hospital psychiatric services | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
| Cataracts | Implantation of hearing devices | Pregnancy and birth |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Insulin pumps | Rehabilitation |
| Dental surgery | Joint reconstructions | Skin |
| Diabetes management (excluding insulin pumps) | Joint replacements | Sleep studies |
| Dialysis for chronic kidney failure | Kidney and bladder | Tonsils, adenoids and grommets |
| Digestive system | Lung and chest | Weight loss surgery |
| Ear, nose and throat | Male reproductive system |
The benefits paid for hospital treatment will depend on the type of cover you purchase and whether your fund has an agreement in place with the hospital in which you are treated. See ‘Agreement Hospitals’ on privatehealth.gov.au for which hospitals have arrangements with your insurer – https://privatehealth.gov.au/dynamic/agreementhospitals.
Under this policy, you may have to pay out-of-pocket costs above what you get from Medicare or your private health insurer. Before you go to hospital, you should ask your doctors, hospital and health insurer about any out-of-pocket costs that may apply to you.
Excess: No excess
Co-payments: No co-payments
Waiting periods:
This provider offers 'known gap' or 'no gap' cover for medical bills for this product.
The Medical Costs Finder lets you find out more about the cost of specialist medical services.
ahm Health Insurance does not operate a preferred provider scheme. Included Extras benefits apply to any recognised provider. See https://members.ahm.com.au/find-a-provider.
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
|---|---|---|---|
| General dental | 0 | $800 per person up to $1,600 per policy (Sub-limits apply) | Periodic oral examination - $28.00 Scale & clean - $47.20 Fluoride treatment - $18.40 Surgical tooth extraction - $112.00 |
| Major dental | 12 | $800 per person up to $1,600 per policy (combined limit for major dental, endodontic & orthodontic - Sub-limits apply) | Full crown veneered - $571.80 |
| Endodontic | 12 | Filling of one root canal - $113.60 | |
| Orthodontic | 12 | Braces for upper & lower teeth, including removal plus fitting of retainer - 60% of charge | |
| Optical | 0 | $300 per person up to $600 per policy | Single vision lenses & frames - $300.00 Multi-focal lenses & frames - $300.00 |
| Non PBS pharmaceuticals | 0 | $650 per person up to $1,300 per policy (combined limit for non pbs pharmaceuticals & other services) | Per eligible prescription - $50.00 |
| Physiotherapy | 0 | $600 per person up to $1,200 per policy (combined limit for physiotherapy & other services) | Initial visit - $45.00 Subsequent visit - $45.00 |
| Chiropractic | 0 | $500 per person up to $1,000 per policy | Initial visit - $40.00 Subsequent visit - $40.00 |
| Podiatry | 0 | $400 per person up to $800 per policy (combined limit for podiatry & other services - Sub-limits apply) | Initial visit - $40.00 Subsequent visit - $40.00 |
| Psychology | 0 | $400 per person up to $800 per policy (combined limit for psychology & other services) | Initial visit - $70.00 Subsequent visit - $70.00 |
| Acupuncture | 0 | $600 per person up to $1,200 per policy (combined limit for acupuncture, remedial massage, chinese medicine & osteopathy) | Initial visit - $45.00 Subsequent visit - $45.00 |
| Remedial massage | 0 | Initial visit - $45.00 Subsequent visit - $45.00 | |
| Hearing aids | 12 | $600 per person up to $1,200 per policy (combined limit for hearing aids & other services - Sub-limits apply) | Hearing aid - $600.00 |
| Chinese medicine | 0 | Combined limit - see Acupuncture | Initial visit - $45.00 Subsequent visit - $45.00 |
| Dietetics/dietary advice | 0 | $300 per person up to $600 per policy (combined limit for dietetics/dietary advice & other services) | Initial visit - $40.00 Subsequent visit - $40.00 |
| Orthotics (podiatric orthoses) | 0 | $400 per person up to $800 per policy | Orthotics supply & fit - $200.00 |
| Osteopathy | 0 | Combined limit - see Acupuncture | Initial visit - $45.00 Subsequent visit - $45.00 |
| Speech therapy | 0 | $300 per person up to $600 per policy | Initial visit - $50.00 Subsequent visit - $50.00 |
| This product also includes Counselling services. Conditions and annual limits apply. Please refer to product guide for more details. | |||
| Blood glucose monitors | Other treatments - check with your insurer |
Ambulance cover is provided by the State government for residents of Tasmania. This may include cover whilst interstate, except for South Australia and Queensland where no cover applies. In other states please check with Ambulance Tasmania - https://www.health.tas.gov.au/ambulance/fees_and_accounts.
Unlimited benefits for medically necessary ambulance trips to the nearest hospital that is able to provide the level of care you require. TAS and QLD have State schemes to cover ambulance services for residents of those States.
The information contained in this Private Health Information Statement was provided by the insurer and is intended as general information. It may not take into account your particular circumstances. For information please contact the insurer.
For information on what is covered under each category, see https://www.privatehealth.gov.au/categories
Restricted categories partially cover your hospital costs as a private patient in a public hospital. You may incur significant expenses in a private room or private hospital.
These categories are not covered by this policy.