For extras claims, you can claim in-person at your healthcare provider, by using your ahm member card - but only if they have a HICAPS machine. If not, you can claim online via your account or through the ahm app.
For hospital claims, it'll depend on if you've received a bill from your specialist. If you have received a bill, you'll need to fill in a Medicare claim form and a two-way claim form to submit your claim to Medicare first. Medicare will then process your forms and send them to ahm to process.
If you've received a Medicare Statement of Benefits, you'll need to fill in an ahm claim form and send it to ahm along with the Statement of Benefits. You can do this online via your account or by sending both forms to Locked Bag 4, Wetherill Park NSW 2164.
"Great value policy, solid coverage and fairly priced. Easy to change policies in the internal AHM app as circumstances change. "
Anthony Shakinovsky
Finder crew member
Complaints info
Looking at the most recent Private Health Insurance Ombudsman complaints data, ahm did pretty well. Along with it's parent company Medibank, ahm received a lower number of complaints than its market share. Specifically it got 17.9% of all complaints, with 26.7% market share.
A decent part of that performance is down to the fact that Defence Health had a shocker of a year, racking up a whopping 31.6% of all complaints with just 2% market share! This was because of a disastrous system malfunction in 2023. That said, ahm/Medibank still has a better complaints record than most of the big health funds, with only hbf having a lower complaints ratio.
Congratulations, ahm!
ahm was a big winner in the 2025 Finder Awards.
Highly commended, Best Bronze Hospital Health Insurance: simple bronze plus
Winner, Best Medium Extras Health Insurance: value extras
Winner, Best Comprehensive Extras Health Insurance: Family Extras
"ahm is one of the cheapest insurers on the market for basic and mid-level hospital options. These cover treatments such as ear, nose and throat, joint reconstructions, chemotherapy and diabetes management. If you're older and have some health issues, such as cataracts or need a joint replacement, there are cheaper top-tier gold policies though. The same is true if you're looking for pregnancy cover (ahm's owners, Medibank offer a much more comprehensive option). As for its extras cover, its no waiting period option has literally saved me hundreds of dollars several times on dental, physio and optical."
Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio
Nicola's expertise
Nicola has written 249 Finder guides across topics including:
Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
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