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Straightforward private health insurance

We take a fresh approach to health insurance and cut out the complexity.

Everything we do is about making things simpler, so you can make the most of what matters to you. Now it’s easier than ever to use and manage your cover, with affordable and flexible health insurance, a completely redesigned online experience and top-notch, digital-first service.

When you have ahm OSHC you have access to a 24/7 Student Health and Support Line for:

  • Medical assistance from a registered nurse
  • Counselling services
  • Emergency legal advice
  • Travel document assistance
  • Health system guide
  • Family and friends message service
  • Living in Australia support
  • Interpreter service.

The service is one of the benefits of being an ahm OSHC member.


Members Advantages

Save on Travel Insurance

When you have ahm OSHC health insurance, you can enjoy 15% off travel insurance too.


Save on Pet Insurance

When you have ahm OSHC health insurance, you can enjoy 10% off pet insurance too.


Gym Better

Enjoy discounted gym visits with GymBetter

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Proof of Use

We take your review seriously and to proof the use of this provider we kindly ask you to provide a copy of anything that prove that. Ex.COE or Student Card.

Your review is recommended to be at least 140 characters long

Cover Options

  • Single
  • Couple
  • Family
  • Extras

  • Dental
  • Optical
  • Physio
  • What is Covered?

    Hospital cover

    Hospital cover can pay towards services you receive when you’re admitted to hospital and treated as a private patient.

    Here are the hospital services that are Included or Excluded under your cover.

    You may still incur out-of-pocket expenses above the amount we pay. Before booking your treatment, call us to find out the benefits you can expect to receive, and any out-of-pocket expenses you might incur.


    Services that are Included or Excluded

    Rehabilitation ✔

    Hospital psychiatric services ✔

    Palliative care ✔

    Brain and nervous system ✔

    Eye (not cataracts) ✔

    Ear, nose and throat ✔

    Tonsils, adenoids and grommets ✔

    Bone, joint and muscle ✔

    Joint reconstructions ✔

    Kidney and bladder ✔

    Male reproductive system ✔

    Digestive system ✔

    Hernia and appendix ✔

    Gastrointestinal endoscopy ✔

    Gynaecology ✔

    Miscarriage and termination of pregnancy ✔

    Chemotherapy, radiotherapy and immunotherapy for cancer* ✔

    Pain management ✔

    Skin ✔

    Breast surgery (medically necessary) ✔

    Diabetes management (excluding insulin pumps) ✔

    Heart and vascular system ✔

    Lung and chest ✔

    Blood ✔

    Back, neck and spine ✔

    Plastic and reconstructive surgery (medically necessary) ✔

    Dental surgery^ ✔

    Podiatric surgery (provided by a registered podiatric surgeon)+ ✔

    Implantation of hearing devices ✔

    Cataracts ✔

    Joint replacements ✔

    Dialysis for chronic kidney failure ✔

    Pregnancy and birth ✔

    Assisted reproductive services ✘

    Weight loss surgery ✔

    Insulin pumps ✔

    Pain management with device ✔

    Sleep studies ✔

    * We will only pay towards cancer-related surgery related to an Included service under your cover.

    What does it mean?

    Included service ✔

    An Included service is a service where we pay benefits towards overnight and same-day hospital accommodation, intensive care, and medical services where a valid Medicare Benefits Schedule (MBS) item is billed.

    Excluded service ✘

    An Excluded service is a service that we won’t pay any benefits towards, including any hospital accommodation or medical services.

    Common and Support services

    There are a number of Medicare Benefits Schedule (MBS) items that will also be included to support the services under this cover where a benefit is payable. These may include items like in-hospital consultations and some scans, tests and anaesthetics that are associated with your hospital admission.

    Ambulance transport

    Unlimited emergency ambulance transport Australia- wide. For ambulance transportation to a hospital where immediate professional attention is required and your medical condition is such that you couldn’t be transported any other way.

    Accident and emergency departments

    If you need to attend an accident and emergency department, we’ll pay 100% of any ‘facility fee’ charged by the hospital for attending their accident and emergency department.

    The fee may not include all medical services provided and out-of-pocket expenses may apply such as for x-rays, blood tests and any charges raised by the doctor above the benefit we pay.

    We do not pay towards cosmetic treatment or services without an MBS item. Under your cover, we pay limited benefits towards pharmaceuticals. You may have large out-of-pocket expenses if you require high-cost drugs, such as those used in oncology (cancer treatment).

    Waiting Periods

    Waiting periods


    Ambulance transport.

    Out-of-hospital medical services (e.g GP consultations).

    Prescription medicines.

    Treatment for conditions requiring hospitalisation that are not deemed pre-existing conditions.

    2 months

    For pre-existing conditions relating to Hospital psychiatric services.

    12 months

    Pre-existing conditions

    An ailment, illness or condition that, in the opinion of a medical practitioner appointed by us, the signs or symptoms of which existed at any time in the six month period before the day that you became insured under ahm OSHC.

    Pregnancy and birth.

    Emergency Treatment Waiting Period Waiver

    Benefits are generally not payable for any services or items obtained while you are serving a waiting period. However, the waiting period does not apply when your treating medical practitioner certifies, and we agree, that you required Emergency Treatment.

    Accommodation Types

    Show all timings
    • Monday09:00 AM - 05:00 PM
    • Tuesday09:00 AM - 05:00 PM
    • Wednesday09:00 AM - 05:00 PM
    • Thursday09:00 AM - 05:00 PM
    • Friday09:00 AM - 05:00 PM
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