Price reduced by an Australian Government Rebate of Price is for single cover in NSW paying weekly by direct debit. On this product, we pay benefits towards routine dental up to your annual limit. No gap dental check-ups include comprehensive and periodic examinations, clean and polish or scale and clean, and fluoride treatments only.
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Price reduced by an Australian Government Rebate of Price is for single cover in NSW paying weekly by direct debit. On this product, we pay benefits towards routine dental up to your annual limit.
No gap dental check-ups include comprehensive and periodic examinations, clean and polish or scale and clean, and fluoride treatments only. Excludes x-rays, tooth extractions and fillings. Waiting periods may apply. Find a participating dentist. On this product, we pay benefits towards complex dental up to your annual limit. Dental procedures including root canal therapy endodontics , and root planing, jaw injuries or non-tooth related surgery periodontics. On this product, we pay benefits towards major dental up to your annual limit.
Major dental procedures including crowns, bridgework, veneers, implants and more. Benefits for dentures are not included on lifestyle extras.
On this product, we pay benefits towards orthodontics up to your annual limit. We define this as specialist dentistry treatment to align teeth and jaws. Treatments include braces, plates and retainers. On this product, we pay benefits towards optical up to your annual limit. On this product, we pay benefits towards laser eye surgery up to your annual limit. Refractive or sight correcting laser eye surgery is a surgical procedure to correct vision problems by reshaping the surface of the eye.
Benefits are paid per eye and lifetime limits apply. You need to have held ahm Lifestyle Extras or Super Extras for 2 years before claiming benefits. On this product, we pay benefits towards physiotherapy up to your annual limit.
Physiotherapy benefits include one-on-one consultations, as well as group or class sessions for hydrotherapy, Pilates, antenatal exercise and rehabilitation. On this product, we pay benefits towards chiropractic up to your annual limit. Chiropractic treatment involves the manipulation or adjustment of the spine and the diagnosis and management of spinal health related problems.
On this product, we pay benefits towards osteopathy up to your annual limit. Osteopathy involves stretching and the manipulation of bones and muscles. On this product, we pay benefits towards natural therapies up to your annual limit. On this product, we pay benefits towards pharmacy up to your annual limit. Benefits are paid towards non-PBS pharmacy items that are prescription-only and prescribed by a medical practitioner. This includes contraceptives for medical conditions, travel and other vaccinations, and hormonal implants that are essential to treat a particular illness, injury or condition.
On this product, we pay benefits towards health improvement up to your annual limit. Depending on your level of extras health cover, we'll contribute to the costs of some treatments designed to keep you healthy. Some restrictions apply and you may need medical evidence that you qualify for some benefits. On this product, we pay benefits towards psychology up to your annual limit. Benefits are paid towards psychology consultations with a recognised Psychologist.
On this product, we pay benefits towards hypnotherapy up to your annual limit. Benefits are paid towards hypnotherapy consultations with a recognised Psychologist. Benefits are payable towards dietitian and nutritionist consultations. Benefits are also paid towards weight loss classes and courses, provided you meet certain eligibility criteria. We define this as emergency transport to hospital due to a sudden or unexpected event.
Ambulance cover applies where the only practical way of getting to hospital is by ambulance. Tasmania and Queensland have State schemes that cover ambulance services for residents of those States. First, what exactly are extras providers? So you choose your provider, not us. To see what we pay for each service view the product guide.
No gap dental check-ups include:. 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. Convenient right!
Find a provider. Your out-of-pocket expenses may vary depending on a range of factors, but significantly if the service is included, partially covered restricted or excluded. For a list of what we pay for each service, view the product guide. When you go to hospital, there might be a gap between what we pay for your medical services, and what your doctor charges you.
This is the referred to as a medical gap and is your out-of-pocket expense. Medical gaps exist because some doctors may charge higher fees than what is set out in the Medicare Benefit Schedule MBS.
Doctors can choose to participate in GapCover or not on a per claim, per treatment and per patient basis, so you should always check with them prior to agreeing to each claim as part of your treatment.
You may still have out of pocket costs. You should always check upfront with your doctor before agreeing to each claim forming part of your treatment. If you choose to use a hospital service that is only partially covered, you may be left with additional out-of-pocket expenses related to your stay in hospital.
To reduce your out-of-pocket expenses, you may choose to be treated as a private patient in a public hospital, rather than a private hospital. However, this will not reduce your out-of-pocket expenses entirely. If you choose to use a hospital service that is not covered, and you use the private health care system, your out-of-pocket will be the entire cost of the treatment. Your out-of-pocket expenses for your extras services will be the difference between what your provider charges and what we pay back on that particular service.
With hospital cover you get the opportunity to choose your own doctor and specialist, and more choice over which hospital you go to. Things like dental, physio, optometry, massage and many, many more are known as extras. The type of services and amount you can claim will depend on the level of extras cover you take out.
A pre-existing condition is any kind of ailment, illness or condition where you had the signs or symptoms in the opinion of one of our Medical Practitioners 6 months before you joined private health insurance or changed your cover. Our appointed Medical Practitioner is the only person authorised to decide if an ailment, illness or condition is pre-existing.
They must consider any information that was provided by the medical practitioner who treated the ailment, illness or condition. For more information on pre-existing conditions see the Member Guide. A limit is the total amount you can claim back on extras. Limits are reset at the start of each financial year 1 July unless it is a lifetime limit.
This is a set amount of time you must wait before you can claim any money back for a service included in 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.
Mastercard or Visa cards incur a 0. More about how switching works. Skip to main content. Change this. Refine price. No 2 or 6 month waiting periods on included extras. No gap dental check-ups Available at select dentists. Join now. Add hospital cover Add extras cover. Common questions. Why ahm? Waiting period None. Dental treatments include: x-rays examinations and consultations clean and polish procedures tooth extractions minor restorative services such as fillings. Waiting period 12 months.
Major dental does NOT include orthodontic treatments. Waiting period 2 years. Benefits are paid towards consultations with a Chiropractor. Benefits are paid towards consultations with an Osteopath. Benefits paid towards natural therapies include: remedial massage acupuncture exercise physiology traditional Chinese medicine myotherapy. Some included treatments are: quit smoking benefits Cancer Council UV products preventive tests health checks stress management courses disease management association fees exercise classes Some restrictions apply and you may need medical evidence that you qualify for some benefits.
Use it all on one of them or spread it across the others. Psychology On this product, we pay benefits towards psychology up to your annual limit. Hypnotherapy On this product, we pay benefits towards hypnotherapy up to your annual limit.
ahm Ambulance Cover: What You Need To Know
With ahm, ambulance cover is included as part of your hospital cover. Unless you live in Queensland or Tasmania, where ambulance services are provided free by the State Government. Compare Health Insurance. All you need to do is email your invoice 1 with your ahm member number in the subject line to ahm.
ahm Health Insurance
Today ahm provides cover for over , members, making them one of the largest providers in the country. The fund was acquired by Medibank Private in and has had an influential hand in the formation of the Private Health Insurance Code of Conduct, which exists to protect health fund members from hidden clauses and unclear product information. For-Profit or Not-For-Profit? Private Hospital Agreements Nationwide: All of these policies provide coverage for your stay as a private patient and as a minimum benefit include restrictive cover for rehabilitation, psychiatric, and palliative services. Here is a list of some of the current hospital covers available:.