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Private health insurance 101

Private health insurance 101

Hospital and extras cover explained and the MLS, AGR and LHC in plain English.

Product info

What is the Ambulance Levy and how can I be exempt from it?
Ambulance cover
What is hospital cover?
What is extras cover and what are annual limits?
What are hospital and extras packages?
Overseas health cover

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Health insurance terms

What’s a waiting period?
What’s an excess?
What’s a daily charge and how does it work?
What’s a pre-existing condition?
What's a recognised provider?

Rebates, Taxes and Loadings

What’s Lifetime Health Cover (LHC) loading ?
What’s the Medicare Levy Surcharge (MLS)?
What’s the Australian Government Rebate (AGR)?
What are Fund Rules?

Government Reforms

PHI Reforms 101
Product reforms
Youth Discount
Reforms already in place
Removal of some natural therapy benefits
$750 excess

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© 2019 ahm health insurance is a business of Medibank Private Limited ABN 47 080 890 259. ’ahm health insurance’ and ’ahm’ are references of Medibank Private Ltd trading as ahm health insurance.