ahm Hospital & Extras Health Insurance: 6 Weeks Free after 60 Days & 4 Weeks Free after 365 Days

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ahm Health Insurance

• 

  Dealf Hunter on 03/11/2025 - 15:31

  +2

  Thanks for the heads-up. I wonder when it expires - doesn't say in the terms and conditions: https://ahm.com.au/offer/10-weeks-free-WW-October-07-2025#te…

• 

  shamalama on 03/11/2025 - 16:38

  Is this or the HBF deal better. Looking to minimise Medicare surcharge and have dental cover.

  https://www.ozbargain.com.au/node/930281?page=1#comment

  • 

    AircraftFreight on 03/11/2025 - 16:44

    Honestly depends, if across the 10 weeks of free cover exceeds $500 then this is the deal for you.

    Also Ahm have consistently cheaper health insurance rates so do consider the ongoing costs.

  • 

    bAps on 03/11/2025 - 18:54

    AHM was the cheapest cover to avoid paying the MLS in my state (SA).

• 

  silverwalker on 03/11/2025 - 19:01

  It will be ideal to check the things to you want to insure first. From my research i found that the HCF is better. (i.e. incl spidn and back)

  • 

    YesPleaseThankYou on 03/11/2025 - 20:42

    incl spidn and back

    Spine and back?

    Hospital clinical categories are standardised by law. See https://www.privatehealth.gov.au/health_insurance/howitworks…

    I'm curious, what did you find better about HCF's spine and back coverage?

    • 

      silverwalker on 04/11/2025 - 11:12

      better in price in Bronze and Extra, and HCF is the only cover spine and back.

      • 

        YesPleaseThankYou on 04/11/2025 - 11:15

        better in price in Bronze and Extra

        OK, so now you're referring to Hospital and Extras cover. Unlike hospital cover, Extras coverage is not standardised.

        HCF is the only cover spine and back

        Unsure what you mean by this.

        • 

          silverwalker on 04/11/2025 - 11:24

          @YesPleaseThankYou: I remember the wrong cover. The insurance company is meant to be HBF.

          HBF is the only hospital cover that include Spine and back at the Bronze level. AHM, HCF, NIB need to be at least Silver to cover it.

          • 

            YesPleaseThankYou on 04/11/2025 - 11:33

            @silverwalker:

            HBF is the only hospital cover that include Spine and back at the Bronze level.

            I think you mean Bronze Plus. 'Back, neck and spine' is not included at the Bronze level. See https://www.privatehealth.gov.au/health_insurance/howitworks…

            A search here https://www.privatehealth.gov.au/dynamic/Search/ shows that the following funds also include cover for 'Back, neck and spine' at the Bronze Plus level:

            • Medibank
            • CBHS Corporate Health
            • Bupa
            • AHM
            • GMHBA
            • Hunter Health Insurance
            • Frank
• 

  YesPleaseThankYou on 03/11/2025 - 20:45

  +2

  You would be a fool to stay for the '4 weeks free after 365 days'.

  Further, the '6 weeks free after their first 60 days' represents a 41% discount over that period.

  You would be better off getting one of the usual 'pay 1 month, get 6 weeks free' offers, equating to a 58% discount.

  No deal from me.

  • 

    iamprabhath on 20/11/2025 - 09:44

    any recommendations please ..

    • 

      YesPleaseThankYou on 20/11/2025 - 21:08

      I'm not looking at the moment, but if I was: https://www.google.com/search?q=health+fund+promo

      All the insurers are listed here https://www.privatehealth.gov.au/dynamic/insurer Check their sites.

      Also: https://www.ozbargain.com.au/tag/health-insurance?noexpired=…

      • 

        iamprabhath on 20/11/2025 - 23:16

        Thank you so so much..

• 

  welcomeUniverseWorld on 11/12/2025 - 17:43

  Would it not be better to use the referral and get 6 weeks free after 60 days + any 2 & 6 month waits on extras waived