How $38.62 is worked out
- Premium as filed - $50.90 a month
- Government rebate - 24.1% of the premium (never of the loading): -$12.28
- A month - $38.62
Go to insurer no commission on this policy
Extras: what you get back
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| General dental | none | Check-up (item 012): $28.55; Scale and clean (item 114): $66.30; Fluoride treatment (item 121): $21.40; Tooth extraction (item 322): $99.00 | $500 per policy a year |
| Glasses and contact lenses | none | Single vision glasses: $150.00; Multifocal glasses: $150.00 | $150 per policy a year |
| Prescriptions not on the PBS | none | Prescription: $40.00 | $250 per policy a year |
| Physiotherapy | none | First visit: $34.00; Follow-up visit: $26.00 | $200 per policy a year |
| Chiropractic | none | First visit: $34.00; Follow-up visit: $26.00 | $200 per policy a year |
| Acupuncture | none | First visit: $18.00; Follow-up visit: $18.00 | $200 per policy a year (shared with other services) |
| Remedial massage | none | First visit: $23.00; Follow-up visit: $23.00 | $200 per policy a year (shared with other services) |
| Dietitian | none | First visit: $28.00; Follow-up visit: $20.00 | $100 per policy a year |
| Exercise physiology | none | First visit: $18.00; Follow-up visit: $18.00 | $200 per policy a year (shared with other services) |
| Health management programs | none | Benefit: $10.00 | $150 per policy a year |
| Osteopathy | none | First visit: $34.00; Follow-up visit: $26.00 | $200 per policy a year |
Not covered: Major dental, Root canal, Braces, Podiatry, Psychology, Hearing aids, Blood glucose monitors, Audiology, Antenatal and postnatal, Chinese herbal medicine, Eye therapy (orthoptics), Home nursing, Occupational therapy, Orthotics, Speech therapy, Vaccinations.
Other services, as filed: This cover also includes Health Improvement Benefits including: Yoga, Pilates, Quit Smoking, Disease management association fees, Cancer Council UV products, Stress management courses, Preventative tests, scans and screenings, Health checks and Exercise classes. Conditions and annual limits apply. Please refer to product guide for more details. This product also includes unlimited emergency ambulance.
Ambulance
Emergency ambulance. Call-out fees covered. Waiting period for emergency transport: 1 day. No limit on emergency transport.
This policy's other options
Every state, household and excess the insurer filed for this policy, with the premium before the rebate.
Where this comes from
Policy details come from the PrivateHealth.gov.au dataset published by the Private Health Insurance Ombudsman on data.gov.au (release of 1 Oct 2026), licensed under Creative Commons Attribution 3.0 Australia. Statement I1/Q0000S, filed by ahm health insurance, issued 1 Apr 2026.
† Monthly premium: the premium the insurer filed with the Private Health Insurance Ombudsman for this state, household and excess, before the Australian Government rebate. Answer the income and age questions and every figure becomes the premium after your rebate, with any Lifetime Health Cover loading added to the hospital share (the rebate never applies to the loading) and the age-based discount taken off it where the policy offers one. Insurers may quote a different payment frequency and round each step; check the figure with the insurer before you join.
No insurer pays to appear on this list or for its place in it. LookFirst does not say which tier or policy suits you. The filters are your own questions.