ahm Health Insurance

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

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!

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.

Have had nothing but great experiences with AHM in the past 12 months I’ve been with them. The app is user friendly and it’s easy to find what extras and items are covered under your chosen policy, they’ve also rolled over my extras. Claims are easy to submit and they are quick to process. Their customer service has been prompt and friendly, they… Read more

have gone above and beyond where I would assume most competitors would not.

My surgery date was pushed forward and I didn’t realise the new date was not covered due to my waiting period not ending for another couple of weeks. I found out I was not covered the day before my surgery and called AHM in a panic. I spent some time on the phone with them as they tried to find a solution for me. They decided to give me an exemption due to being close to the end of my waiting period and provide cover for my surgery. They did not have to do this for me, there was no benefit for them and I’m so grateful as postponing would have been a nightmare. Overall a great experience.

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

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 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

New customer not very happy with transition. No assistance and no callback as offered. I was told I would be covered immediately. But I’m not. I have over paid a yearly premium on the 24th of February. I want to know why the overpayment wasn’t refunded. You’ve got my money for the next 12 months and I’m not covered!!! I was transferring from Bupa. I’m thinking of going back to them. Show details

Horrible customer service - horrible cover, ridiculously difficult to deal with and you will get different answers from different people, even if you do a pre-claim check, leaving you thousands out of pocket. Stay away. Show details

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.

Lisa was incredibly helpful and has outstanding knowledge in every area! She was so friendly and made me feel comfortable with asking many questions. As she was able to break down each plan and how it works, I will be very likely to sign up. Show details ·  1

I am with AHM from 2018. I never had any dispute with them. They were extra helpful during Covid and continued to maintain their trust and care. I called Laura to upgrade my policy and she showed lots of patience to explain the policy and also asked me for any issues that needs to be addressed. I suggest that you call AHM to understand their friendly service. Show details ·  1

Alain’s time and customer service today was wonderful. He took the time to listen and clarify my concerns and explain why I was having the issue I had specifically called about which I really appreciated. He was extremely thorough in helping me resolve my issue and provided additional suggestions and recommendations in order for me to get the best out of my membership. He was brilliant, thanks so much Alain! Show details ·  1

Joanne from AHM was absolutely outstanding. She helped me immensely in understanding exactly which benefits suited my needs and how to best utilise my limits. Her knowledge was extensive, and she explained everything clearly and patiently, making what could have been a confusing process feel straightforward and manageable. Joanne truly knows her… Read more ·  1

field and is without a doubt in the right position. I’m very grateful for her guidance and highly recommend her to anyone needing support with their cover.

Joanne was fantastic listening and more importantly addressing my concerns.She was professional and caring.Bravo AHM for her customer service . Many Thanks again Joanne….sincerely Robyn Show details

I love AHM for its simple structure and easy to read material to feel confident. I have been with them 6 years and each time I connect, I am not disappointed by their willingness to help. They listen and work with you instead of trying to upsell their policies. Today I spoke with Tania who in my opinion has been the best representative I have… Read more ·  2

spoken to date. Recently, we have had at least 2 companies not related to health insurance but who have been placing their business above their customers in bullying tactics. Let's pay it forward reward the exceptional companies and drop the companies that will double bill you or say they hear you and promptly do not take up the gauntlet of care! The poor companies should be culled. The world would be a much happier place. Kind regards Sharon Shorrock

Made a support phone call to update my policy details & reattach my uni aged kids to our policy. I sooke with a Feenix ( I think) & received an unususlly good level of service. Over tge last 0 months or so, Ive had extensive dealiings with Budget direct support over the course of a motor vehicle claim. Your client seevices officer, was Helpful… Read more ·  1

Effective Empathetic Constructive. Really restored my opinion of & hopes for good customer service. Worth reviewing the csll as an examplar (in my humble opinion). Thank you. Brett Cullen.

Lee was cheerful and extremely helpful and knowledgeable of products and took the time to compare what we had to the best cover for us. Lee managed to save us on our monthly premium . Excellent service!! Show details ·  1

I spoke with an AHM representative today named Erin. I had a wonderful experience. She was polite, helpful, and genuinely understanding of my situation. Erin was professional, compassionate, and attentive. Thank you for making a difference! Show details ·  1