ahm Health Insurance

From the very beginning, Hannah was kind, patient, and genuinely invested in helping me. What stood out the most was that if she wasn’t 100% certain about something, she didn’t just give me a quick answer or brush me off. Instead, she took the time to investigate, sought clarification, and made sure she gave me the correct information. That level… Read more ·  1

of care and professionalism is so rare and made such a huge difference to me.

She is an absolute credit to AHM. I would give her 10 stars if I could, but since I can’t, she gets a very well-deserved 5 out of 5 stars. Thank you so much, Hannah, you truly made such a positive difference, and I’ll never forget how much you helped me.

iSelect determined that ahm Health Insurance offered a more affordable option than my current insurer, Teachers Health. When the iSelect agent requested my personal information, including bank account details, I explained to him that I had not yet decided to sign up with ahm, as I needed time to consider his offer. The agent replied that, by… Read more

providing this information, I was not committing to ahm, and that I had a cooling off period of ten days. Reluctantly, I provided the rest of the information that was requested. At the end of the conversation, I explicitly requested that neither iSelect nor ahm should not contact Teachers Health until after I had confirmed the switch – if, indeed, I did decide to switch health funds. The agent agreed that no such communication would take place until the appropriate time. Subsequently, I decided to stay with Teachers Health. On the next business day, I phoned ahm to invoke the cooling-off period, and the ahm agent cancelled the policy. Later that day, a representative from Teachers Health contacted me to let me know that she knew that I had considered switching to ahm, and that she would happily assist me in making my decision. How did Teachers Health know that I had contacted iSelect? The only possible explanations for this disclosure are that either: 1. iSelect blatantly disregarded my request to refrain from informing Teachers Health that I was considering changing health funds, or: 2. iSelect did not communicate my request to ahm, and ahm informed Teachers Health, without my consent, that I was considering changing health funds.

It goes without saying that I now deeply regret having disclosed my personal details to iSelect and ahm. What other third parties are now privy to this information? In future, I will undertake my own research rather than entrust my personal details to iSelect – a company that is clearly focused more on the commission that it generates from its referrals than on safeguarding the privacy of its clients. Needless to say, ahm, an incompetent and untrustworthy organisation, and with a Product Review rating of just 3.3 stars, is also off my radar.

I emailed both of these companies to express my concerns. After one week, there has been no reply to my emails, but I did receive a lovely welcome letter and membership card from ahm in today’s mail! Inept and bungling are two words that come to mind!

Tania, Customer First was quite helpful when there was an issue between AHM and Teachers Health in deciding where the claim should go. Tania helped me in sorting it out, though the amount is lesser than the other. I am with AHM for the last 30 years in Top Cover. Show details ·  1

Have been with AHM since 1st November and now have a query regarding my cover. On the weekend I went online. You cannot get anyone on the weekend, fair enough but you cannot even email them! Their website is [Name Removed]! Again trying to check my… Read more

cover, excess, etc but cannot do it on line.

Called the 1300 number and after going though some lengthy identity process, I am now told I can go online and seek help (tried that, it was bloody useless) so now I am on hold and the expected time waiting is 30 mins!!!!

Even tried to check my cover and excesses but they require procedure codes and when it is happening.

Bloody useless.

Transferred over from another provider and now regretting it. Claims at the service provider keeps getting rejected and have to manually do it via their website/app. Then it takes more than a week for them to pay the claim that I have to keep… Read more ·  1

checking. Tried to call them and takes so long to speak to someone that I gave up and used their online chat. Again, it takes so long to connect to "an agent" and when I finally get to speak to one, the person takes so long to respond to each message telling that "this is not a livechat". When I finally got fed up and wanted to speak to complaints team, they kept refusing saying that no customer can talk to them direct. I had to push multiple times before finally being told that somebody in complaints will contact. However, they didn't even mention when or how long this will take and I'm still waiting!

My wife and I would like to document the exemplary customer service received today from Ahm Health customer service officer Reene. I contacted Ahm today, to make a quite detailed and involved dental inquiry for my wife, and other health inquiries for myself. My call was answered by a lady name Renee. Right from the first moment Renee spoke, she… Read more

established an immediate repour with my wife and myself. In all our questions and other dealings with Reene, she displayed an outstanding customer service skill set, was professional, friendly, show empathy to us with our inquiries, and was extremely patience particularly with my wife who has poor hearing. Our interaction with Reene, regarding our multiple in queries was always explained by her in a clear and concise fashion so that we were very easily able, to understand. Before Renne gave us the final information relating to our inquiries, she tripled checked to ensure that we received all the correct and latest information. She went far above and beyond her customer service role.

We believe that Reene is a great credit not only to herself, but she is also an extremely valuable asset to Ahm Health, and they are fortunate to have such a marvelous employee.

Although we have passed on our thoughts to her supervisor Sarah, we believe that Reene should be recognized and highly rewarded by Ahm for her fantastic work ethic.

Reene a job well done, thank you very much and keep up your genuine friendly customer approach when dealing with future Ahm customers. all the best, Paul and Leonie W

I had been with ahm for a long time on their Lite Flexi Bronze Plus policy, paying around $81 per week for hospital and extras. Recently I reviewed my cover and discovered that benefits were far lower than what other funds offer for lower premiums. What surprised me even more was that Medibank and ahm belong to the same group, yet Medibank offers… Read more

a Silver Plus Core coverage with far more benefits for a less weekly cost. That raised concerns for me about how loyal ahm members were being looked after and whether the group is prioritising profit over member value.

I raised a formal complaint and received a polite response, but ultimately no goodwill or acknowledgment of the value gap. So I chose not to stay within the ahm–Medibank group and instead switched to another fund, who offered better coverage and far higher returns on claims at a very competitive price.

Posting this simply to encourage others: review your cover regularly, even if you’ve been with your fund for years. Loyalty doesn’t always mean you’re getting the best value, and sometimes the differences between products inside the same corporate group can be much larger than people realise.

Hope this helps someone else before they spend years overpaying as I did.

In late 2022 I had been with AHM for in excess of 35 years, when I made a change via iSelect to see if there was anything better on the market as the media always suggests. I wanted a ‘like for like’ basis plan as I had been on the top tier of AHM. HCF was suggested and it was a lower monthly fee of about $50-60. Didn’t completely check the… Read more ·  1

‘fine print’ as I believed I was being placed in a comparable policy as I had with AHM.

Early 2025 I required a full shoulder replacement and it was then I noticed that my plan was for ‘shoulder reconstruction’ not ‘shoulder replacement’. I’m m not a medical professional but apparently there’s a difference. I immediately contacted HCF and raised my plan. However, because it was a pre existing condition I was required to wait the 12-month waiting period despite my previous length of membership. My injury was severe and required immediate surgery but would not be able to be performed until March 2026.

I contacted AHM and spoke to Melody from the Customer Team and explained my situation and informed her I was changing back to AHM immediately as they would honour all waiting periods imposed by HCF. Melody could not have been more helpful and I asked her if it was possible, that due to my previous loyalty to AHM, the waiting period might be waived. She informed me she would try and speak to senior officers to see what could be done. She kept me up to date with our new policy and several days later informed that that due to my previous loyalty they would, on this occasion only, waive the 12 month waiting period so I was clear to have my shoulder surgery.

I was completely relieved, as to pay for the operation would have been well in excess of $40,000. In short, there was a reason I was with AHM for such a lengthy period and that’s because they were there when I needed them and I had never had any problems. I’ve also learnt, beware of 3rd party involvements if you are transferring health funds.

I was deeply grateful to the help that I received and really appreciate the solution to my issue. The customer service was outstanding, the best I had experienced as a customer in all my years as one. It was a professional process and I was shown care and consideration and respect. Over all this staff member deserves a promotion as she was able to… Read more ·  1

meet my needs above and beyond and that was a brand new experience for me, no hesitation in saying she was the best consultant that is in your company and i thank her very much for helping me and being so nice and friendly.

AHM have excellent customer service and claims process. So far I've used their extras for one year, and they have always paid promptly without issues. Their claims process is easy either online or via the app. They are quick and helpful to respond to chat support. Keep up the good work. Show details ·  1

Health Insurance is a necessity. We have been with AHM for many years & I have been hospitalized on nine occasions (heart/urinary). Besides the excess, we have paid very little out of pocket expenses and all communications we have had with AHM have been excellent. My daughter (who has mental health issues) has been hospitalized for several… Read more ·  1

months on two different occasions and all expenses were covered by AHM (in-patient & out-patient). For our family they have been a very good company.

Wrost health insurance ever, I do not recommend it at all! I had to do a blood test, I've checked my cover and also ask the support team about the refund and they have confirmed that they will cover 85% of the MBS Fee for this exame. I had to pay the blood test in full because there is no AHM Direct billing blood labs and after I sent the Itemized Invoice they repplied saying that this type of service is not covered under your ahm OSHC policy. Show details

Most difficult to reach a staff by phone. It took 5 attempts after being kicked out with bleep bleep bleep signals after waiting for nearly 10 minutes. After all that, when I managed to get a staff answering the call, she said she couldn't hear me although I shouted out very loud! Unbelievable service standard by such a large company. Show details

Absolutely terrible cover - found out after holding insurance since 19 years old various companies they consider an angiogram pre existing (even though its not pre existing) and dont agree to cover it, also they take 10 working days to review any hospital claim, i would never ever go with AHM and never trust them or another fund again. I was on… Read more

gold hospital cover. i had a two month gap for financial difficulty with another insurer and they demanded paperwork from 2024 i dont have so no they wont cover it - to top it off the pds is not to be trusted they make it up as they go along (people are great but they are major claim avoiders be very very careful)

I had a really positive experience with ahm Health Insurance thanks to Jenny. She was warm, friendly, and incredibly helpful throughout the conversation. Jenny took the time to clearly explain everything and made sure all my questions were answered, which made the whole process feel easy and stress-free. Her professionalism and genuine care really stood out, she’s a great representative of ahm and a real credit to the team. Show details ·  1

I mostly like ahm, the app is easy to use, claims are easy and quick to come through, and the staff are pretty lovely when you speak to them. But it’s ridiculous how hard it is to claim mental health services, and this is hard enough to access without insurance, but then when you do have cover it shouldn’t be even harder. I had to change… Read more

counsellors because mine wasn’t registered with ahm, and ahm were pretty good in dealing with that issue (Amazing even), but now my daughter sees a provisional psychologist, the only option through her school, but provisional psychologists are not recognised by ahm and therefore I cannot claim benefits.. it’s pretty discouraging when trying to care for our own and kids mental health.

Do not use this insurer! I have been a customer for 12 years and have been treated like crap by their customer service, be ready for consistent 1 hour wait times on the phone as it seems they only have 3 people at the desks to save money and not to mention the $600 they had taken from my account without warning, also turns out I’m paying $1100 per… Read more

year and getting $1300 worth of cover. Absolutely disgusted with this health insurer and would not recommend

So happy to speak with Troy today at AHM today. I was about to change health insurance company and Troy and I went through my policy comparing the policy. And it’s more than reasonable to say it’s worth calling your current insurance before you leave. The current insurance I am on is so much better. He also advised me how to save costs in… Read more ·  2

utilising the extras I have eg. Dental, exercise physiology and paying in advance to save costs. Well done. I’m staying with AHM. Big thank you to Troy for assisting me with this current policy and making me feel secure about the choice I made today.

There is no clear way to check my hospital cover on the website—nothing seems to work. I’ve tried multiple times over the past couple of weeks, but I haven’t received any response. Messaging, calling, and emailing have all been unsuccessful. I’ve been paying for this insurance for 3 years, and this is the first time I’ve actually needed it. Unfortunately, it’s been a very disappointing experience. I truly regret choosing this company. Show details

Friendly and professional service. Lee took time and made a real difference to my disicion to stay with ahm, as she tailored my profile to my personal needs and was able to offer a cheaper option compared to my previous contract with ahm. Show details ·  1

Lee went above and beyond to fix my issue and actually called me back to rectify it . I had a wonderful experience of someone listening and caring to help Thankyou to Lee and her amazing team Show details ·  1

This company is a joke. You can't cancel online, and I had to wait on the phone for 30 minutes just to talk to someone. I absolutely do not recommend this service. Stay away Show details

Everytime I speak to someone from AHM, it’s always beyond pleasant 5+ stars or 10+ Today was no different when speaking with Lee. She was bubbling friendly and helpful. Her rapport with customers is AWESOME. For someone who spent 18 years in customer service with Medibank and Medicare, it’s important and means a lot to me. Lee deserves a raise… Read more ·  1

for ticking all the boxes with her approach to customer service I hope she is rewarded. Good staff is good for any company. Treat them well and they will stay And the results will be happy employees and happy customers

This morning I spoke to Carmen for help with an extras claim that I had submitted. She was courteous, polite and competent. She updated some of my records without being asked and ensured that we would not be charged an ambulance service levy. The time I had to wait for my phone call was a different matter. It was almost an hour. The reason is… Read more ·  1

given that there is a high call rate. Obviously the reason is a mismatch between call volumes and staff available. AHM aren't employing enough people to answer the call traffic.