We know health insurance isn’t straightforward at the best of times. We try to make things easier, so you can get back to doing the things you want to do.
Just tell us the name of your current health insurer when you join, and if you give us permission we’ll organise the change over for you.
Cooling off period
And when your cover starts with ahm, you get a cooling off period of 30 days. That means you can cancel your policy and we’ll refund any premiums paid if you haven't made a claim in that time.
If you switch to ahm within 30 days of leaving your current health insurer, any waiting periods you’ve already served are generally carried over for comparable services.
This means you’ll generally only need to serve waiting periods for any treatments or items:
- that were not included under your previous cover
- for which you have not fully served the waiting period
- that have an increased benefit (e.g. upgrading from a Restricted to an Included hospital service or increasing an annual limit on an Extras cover). If you’ve served the waiting periods for the lower benefits on your previous cover with equivalent service inclusions, benefits will be paid at the lower level until you’ve served your new waiting periods for the higher amount.