ahm.com.au: AHM – Private Health Insurance & Health Cover in Australia

The official site of the Australian Health Management (AHM) is www.ahm.com.au, where detailed information about its products and services is given. AHM is a private health insurance provider of Australia. It provides two types of insurance like Health Insurance, Travel Insurance, and also provides covers for Ambulance, overseas students and overseas visitors.

AHM (Australian Health Management) has more than 35 years experience in the Australian health care industry. It has received reputation as an industry leader in offering a number of health insurance products and customized health management programs.  AHM is a national health insurer with more than 163,000 members around Australia. Now AHM is one of the top 10 health service provider in Australia.  Australian Health Management operates in the Australian Capital Territory, New South Wales, Northern Territory, Queensland, South Australia, Tasmania, Victoria and Western Australia. It offers OSHC (Overseas Student Health Cover) as well as health management and dental and eye care services.

Visit the www.ahm.com.au site to get more information about Australian health management Insurance products, service and programs. People can also search doctor, hospital, provider and provider recognition. Customers of the AHM get total information about AHM from the home page of the site, where home, join now, health insurance, login and sitemap and contact options are given. With this tool, users can register in the site and also get contact details of AHM. You can direct search any information about AHM from site search tool.

After becoming a member of the site you can get benefits like:

• Regular examinations, cleanings and oral hygiene instruction at no charge to you
• Children receive 25% discount on general dental service fees
• $1000 discount on double arch banding (orthodontics)
• Special rates for eyewear products – up to 20% off all year round
• Discounted dental products
• Access to specialist services such as Orthodontics, implants, treatment under sedation for anxious patients and much more.

The main navigation of the site is given under the member login option. This navigation is described with the name of members, products, your health, search for, and about us.

‘Members’ is one of the main sections of the site where people can get information like how to claim, how to pay, Fraud awareness, terms and conditions.

How to claim?

AHM provides range of options for making a claim, that’s why you can choose most convenient method for claiming which is described below:

• Online – login and claim your extras benefits on your fund’s web site any time you like.
• Teleclaims – call us during business hours to process your claim over the phone.
• Mail – post your claim to us, free of charge.
• Counter – make a claim over the counter at our Wollongong office.
• Point of Service – claims your benefit using HICAPS and only pays the gap.

Before making a claim, members should have their membership number, Date the service was provided, Details for the provider of the service, Name and type of service provided, and Cost of the service.

How to pay?

Customers of the AHM pay their premium amount by using many options which are given below:

• Direct Debit: You can arrange a Direct Debit from your cheque, savings, or credit card account. Deductions can be made on a weekly, fortnightly, monthly, quarterly, half yearly or yearly basis. For this option, download payment forms from the site and fill up with bank account details and return it free of charge to Australian Health Management, Reply Paid 75885, Matraville NSW 2036.
• Online: Using credit card, make one off payment through their secure website. Simply log in to member services, select “Make a Payment”, and follow the steps.
• BPAY: It is simple and convenient way for making a payment. To make a BPAY payment, use the ahm BPAY biller code 57430. Your BPAY reference number is your new membership number.
• Phone: You can make a credit card payment over the phone; just call on 134 246.

Fraud Awareness

AHM also provides Fraud Awareness service. Their purpose is to minimize loss from fraud so they can maximize the amount available for benefit payments to you. At this section, members will get complete information about it. Read the terms and conditions before using its service and if you have any questions about its service, then visit ‘common questions’ sub-navigation to get answer about your questions.

Members can get AHM products’ details from its product section, in which information about below products is given.

Health Insurance: Health insurance is main product of AHM, which gives you control of your health care and permits you and your family to access the right health services at the right time; to choose the doctor, hospital and timing of your treatment. With health insurance you can access to a wide range of private hospitals and can rest assured that you are in good hands. In health insurance, they give two types of private health insurance cover like hospital cover and extras cover and also it covers some of the costs of hospital treatment as a private patient including doctor’s charges and hospital accommodation. From this page, you can make a claim or payment, track transactions, update details, and more, just by logging in to the Members area.

Travel Insurance: AHM offers the option of two comprehensive travel insurance policies provided by world’s largest and most respected travel insurance specialists Cover-More. It offers travel insurance at 30% off retail rates on ‘Options’ travel insurance.

Benefit of Travel Insurance

• Overseas medical and dental cover
• Access to our 24 hour assistance team
• Cover for Amendment or Cancellation costs
• Cover for loss or theft of luggage, personal effects, travel documents and money
• Rental car insurance excess cover.

Ambulance Cover: If you want protection against the high costs involved with Ambulance services without purchasing private health insurance, then it is important to consider Ahm Ambulance Cover. Without this cover, Medicare will help pay for your hospital costs if you are hospitalized after an accident, but will not help with the cost of an ambulance if you need to get to the hospital or transfer between hospitals.

Overseas Students: Overseas student Health Cover (OSHC) helps you pay for hospital and medical services which you may need while studying in Australia. As an overseas student, it is a necessity of your overseas student visa that you have OSHC for the entire duration of your stay in Australia. By OSHC, AHM covers cost of Doctors, Hospitals, Prescription Medicines, Pathology and X-rays, Emergency ambulance transport, and Prosthetic devices.

Overseas Visitors: When you visit Australia, it is a smart move to take out visitors insurance. With Medibank Visitors cover you can take steps to ensure that, if you require hospital or medical treatment, you have greater control over who treats you, where you are treated and how soon.

Benefits of Australian health insurance for overseas visitors

• Emergency medical advice and assistance
• Referrals to doctors or medical centres for medical treatments and assistance with making appointments
• Access to a solicitor for general legal advice and referrals
• Phone assistance to replace travel documents or passports
• Interpreters available for Japanese, Mandarin, Indonesian, Malay, Cantonese, Thai, Korean and Portuguese speakers. Other languages are available on request.

Third and very important navigation of AHM is your health, where it gives details about its health program like Going to hospital, total health programs, dental & eyecare, health alerts and healthy eating.

Total health programs:Improve your health with AHM Total health programs, in which AHM offers five types of health program:

Health Coaching: It is six month support program to help you improve or maintain your health or manage a condition to prevent chronic disease. It includes a series of telephone calls made by qualified clinicians including dietitians, exercise physiologists and occupational therapists.

Hospital Substitute services: With this service, people can choose to recover at home rather than in hospital. Their health consultants tailor a package of care services to help your recovery and ahm pays 100% of the cost for services delivered when part of an ahm program or when provided by an ahm recognized provider.

Chronic care : Ahm’s chronic care program can help to improve your quality of life and provides assistance to your cares if you have them. It is confidential, telephone-based program staffed by registered nurses and health consultants trained to give you extra support and advice helping you better manage your condition.

Ahm’s Total Health for Pregnancy: Ahm’s Pregnancy Support program will give you additional help and information throughout your pregnancy up until your baby is 12 months old. Their midwives contact you at key dates during your pregnancy to help you with questions about your pregnancy, diet, exercise or baby care.

Dental and eye care program:People can access a wide range of quality and affordable services from their dental practices located in Haymarket, Parramatta and Wagga Wagga. And their eye care practices located at Haymarket and Parramatta offer the very best and latest in eye care and can cater for all of your eye care needs. For detailed information about this program, visit Dental and eye care section at the site.

In ‘Your health’ navigation, health alerts and health eating programs’ information is given. At this page it gives Nutrition & Healthy Eating archive, containing articles which are written by renowned dietitian and nutritionist Catherine Saxelby.

‘Search for’ option is given to find locations about hospital, doctor and provider.

Find Hospital: To browse through full list of their hospitals, choose your state from the list  and click on the Hospital Listing button. To narrow your search you can also enter the Hospital Name and/or Post code.

Find Doctor: From the site, people can find a doctor location by giving name, family name, Post code, city, state and selecting specialties from adjacent suburbs at Find Doctor page.

Find provider: To search provider, enter provider specialty and provider details like post code, number, surname at this page.

Get Quote

Quick Quote tool is given on the website to get a quick quote for your choice of ahm health cover, you need to enter information about your cover, address, choose hospital cover and extras cover, payment option and your date of birth.