How $103.28 is worked out
- Premium as filed - $136.10 a month
- Government rebate - 24.1% of the premium (never of the loading): -$32.82
- A month - $103.28
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): $39.75; Scale and clean (item 114): $78.50; Fluoride treatment (item 121): $26.50; Tooth extraction (item 322): $126.25 | no yearly limit |
| Major dental | 12 months | Crown (item 615): $685.95 | $1,100 per policy a year |
| Root canal | 12 months | Root canal (item 417): $142.45 | $1,000 per policy a year |
| Braces | 12 months | Braces, upper and lower, with a retainer (item 881): 100% back | $900 per policy a year, $2,900 lifetime |
| Glasses and contact lenses | none | Single vision glasses: 100% back; Multifocal glasses: 100% back | $250 per policy a year |
| Prescriptions not on the PBS | none | Prescription: $60.00 | $500 per policy a year |
| Physiotherapy | none | First visit: $44.00; Follow-up visit: $34.00 | $600 per policy a year |
| Chiropractic | none | First visit: $44.00; Follow-up visit: $34.00 | $400 per policy a year |
| Podiatry | none | First visit: $38.00; Follow-up visit: $30.00 | $300 per policy a year |
| Psychology | none | First visit: $81.00; Follow-up visit: $46.00 | $300 per policy a year |
| Acupuncture | none | First visit: $28.00; Follow-up visit: $28.00 | $400 per policy a year (shared with other services) |
| Remedial massage | none | First visit: $33.00; Follow-up visit: $33.00 | $400 per policy a year (shared with other services) |
| Hearing aids | 12 months | Hearing aid: $800.00 | $1,600 per policy a year, 2 appliances every 3 years |
| Audiology | none | First visit: $32.00; Follow-up visit: $25.00 | $300 per policy a year |
| Antenatal and postnatal | none | First visit: $26.00; Follow-up visit: $26.00 | no yearly limit |
| Chinese herbal medicine | none | First visit: $28.00; Follow-up visit: $28.00 | $400 per policy a year (shared with other services) |
| Dietitian | none | First visit: $45.00; Follow-up visit: $32.00 | $400 per policy a year |
| Exercise physiology | none | First visit: $28.00; Follow-up visit: $28.00 | $400 per policy a year (shared with other services) |
| Eye therapy (orthoptics) | none | First visit: $32.00; Follow-up visit: $25.00 | $300 per policy a year |
| Health management programs | none | Benefit: $10.00 | $250 per policy a year |
| Occupational therapy | none | First visit: $34.00; Follow-up visit: $30.00 | $300 per policy a year |
| Orthotics | 12 months | Benefit: 100% back | $200 per policy a year |
| Osteopathy | none | First visit: $44.00; Follow-up visit: $34.00 | $400 per policy a year |
| Speech therapy | none | First visit: $60.00; Follow-up visit: $30.00 | $300 per policy a year |
Not covered: Blood glucose monitors, Home nursing, Vaccinations.
Other services, as filed: This cover also includes Joint fluid replacement injections, Medical gases, Travel & Accommodation, Post operative and medical aids and Outpatient procedure room fees. 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. This product also includes unlimited emergency ambulance and Counselling services. 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 I3/V0000S, 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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