How $27.47 is worked out
- Premium as filed - $36.20 a month
- Government rebate - 24.1% of the premium (never of the loading): -$8.73
- A month - $27.47
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): 50% back; Scale and clean (item 114): 50% back; Fluoride treatment (item 121): 50% back; Tooth extraction (item 322): 50% back | $400 per person a year, $800 per policy a year |
| Physiotherapy | 2 months | First visit: 50% back; Follow-up visit: 50% back | $300 per person a year, $600 per policy a year (shared with other services) |
| Chiropractic | 2 months | First visit: 50% back; Follow-up visit: 50% back | $300 per person a year, $600 per policy a year (shared with other services) |
| Osteopathy | 2 months | First visit: 50% back; Follow-up visit: 50% back | $300 per person a year, $600 per policy a year (shared with other services) |
Not covered: Major dental, Root canal, Braces, Glasses and contact lenses, Prescriptions not on the PBS, Podiatry, Psychology, Acupuncture, Remedial massage, Hearing aids, Blood glucose monitors, Audiology, Antenatal and postnatal, Chinese herbal medicine, Dietitian, Exercise physiology, Eye therapy (orthoptics), Health management programs, Home nursing, Occupational therapy, Orthotics, Speech therapy, Vaccinations.
Other services, as filed: This cover also includes unlimited emergency ambulance and no gap dental check-ups at select dentists. Learn more at ahm.com.au/nogap.
This cover includes a combined limit for physiotherapy, chiropractic and osteopathy.
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 I88/TCIM1D, 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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