1. Help - ahm
  2. About your cover

About your cover

Understanding your cover, what you can claim and more.

New to ahm

  • Got a question? Message us
  • 30 day cooling off period for health insurance
  • Member perks
  • How do I get the ahm app?
  • When does my cover start?
  • Our privacy policy
See all 8 articles

About your extras cover

  • What extras are on my cover?
  • What's a lifetime limit?
  • Can I claim benefits towards medication & pharmacy items under my health insurance policy?
  • What are Health Improvement Benefits?
  • Useful extras
  • Extras annual limits rollover

About your hospital cover

  • Standard clinical categories
  • What’s a Restricted service?
  • What are Excluded services?
  • What are Disease management appliances?
  • What does my cover Include?

Kids on your cover

  • Who is classed as a Dependant?
  • My child is 21 - what now?

Health insurance and pregnancy

  • I’m planning to have a baby, what do I need to do?
  • Having a baby in the private system

Tax statements

  • Tax time information
  • How do I request my tax statement online?
  • Tax and the Medicare Levy Surcharge (MLS)
  • Tax and the Australian Government Rebate (AGR)

Premium changes

  • Premium changes
  • How has ahm supported members during the COVID-19 pandemic?
  • Why do premiums of different health insurance products increase at different rates?
  • Why is my premium change different to the industry average the media reported?
  • Why has my premium gone up more than the Consumer Price Index (CPI)?
  • If I rarely make claims, will my premium still change?
See all 10 articles
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Acknowledgement flags

ahm acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples of this nation. We proudly recognise Elders past, present and emerging as the Traditional Owners of the lands on which we work and live. We’re committed to supporting Indigenous self-determination and envision a future where all Australians embrace Aboriginal and Torres Strait Islander histories, cultures and rights as a central part of our national identity.

Roy Morgan Award
Finder Award
Customer satisfaction award winners