How $182.12 is worked out
- Premium as filed - $240.00 a month
- Government rebate - 24.1% of the premium (never of the loading): -$57.88
- A month - $182.12
Go to insurer no commission on this policy
Extras: what you get back
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| General dental | 2 months | Check-up (item 012): 70% back; Scale and clean (item 114): 70% back; Fluoride treatment (item 121): 70% back; Tooth extraction (item 322): 70% back | $700 per person a year, $1,400 per policy a year |
| Major dental | 12 months | Crown (item 615): 70% back | $750 per person a year, $1,500 per policy a year (shared with other services) |
| Root canal | 12 months | Root canal (item 417): 70% back | $750 per person a year, $1,500 per policy a year (shared with other services) |
| Glasses and contact lenses | 6 months | Single vision glasses: 100% back; Multifocal glasses: 100% back | $200 per person a year, $400 per policy a year |
| Prescriptions not on the PBS | 2 months | Prescription: 70% back | $350 per person a year, $700 per policy a year |
| Physiotherapy | 2 months | First visit: 70% back; Follow-up visit: 70% back | $400 per person a year, $800 per policy a year (shared with other services) |
| Chiropractic | 2 months | First visit: 70% back; Follow-up visit: 70% back | $400 per person a year, $800 per policy a year (shared with other services) |
| Podiatry | 2 months | First visit: 70% back; Follow-up visit: 70% back | $250 per person a year, $500 per policy a year (shared with other services) |
| Psychology | none | First visit: 70% back; Follow-up visit: 70% back | $250 per person a year, $500 per policy a year (shared with other services) |
| Acupuncture | 2 months | First visit: 70% back; Follow-up visit: 70% back | $250 per person a year, $500 per policy a year (shared with other services) |
| Remedial massage | 2 months | First visit: 70% back; Follow-up visit: 70% back | $250 per person a year, $500 per policy a year (shared with other services) |
| Dietitian | 2 months | First visit: 70% back; Follow-up visit: 70% back | $250 per person a year, $500 per policy a year |
| Exercise physiology | 2 months | First visit: 70% back; Follow-up visit: 70% back | $250 per person a year, $500 per policy a year (shared with other services) |
| Health management programs | 2 months | Benefit: 70% back | $250 per person a year, $500 per policy a year |
| Orthotics | 2 months | Benefit: 70% back | $250 per person a year, $500 per policy a year (shared with other services) |
| Osteopathy | 2 months | First visit: 70% back; Follow-up visit: 70% back | $400 per person a year, $800 per policy a year (shared with other services) |
Not covered: Braces, Hearing aids, Blood glucose monitors, Audiology, Antenatal and postnatal, Chinese herbal medicine, Eye therapy (orthoptics), Home nursing, Occupational therapy, Speech therapy, Vaccinations.
Other services, as filed: This cover also includes Hypnotherapy (70% back for initial and subsequent consultations) and 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, Exercise classes and Swimming lessons. Unlimited emergency ambulance and Counselling services are also included on this product. Conditions and annual limits apply. Please refer to product guide for more details.
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 I93/VDEX2D, 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.
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