Essential Hospital & Essential Hospital Level 5

Essential Hospital includes hospital accommodation and ambulance fees and comes with or without a co-payment. More on how the co-payment works.

It's suitable for singles, couples and families who don’t need cover for pregnancy, hip or knee replacements.

What am I covered for?

Essential Hospital and Essential Hospital Level 5 include the following:

• Hospital accommodation — private or shared room at most private and all public hospitals in Australia*
• Operating Theatre*
• Major Eye Surgery
• Psychiatric Services
• Rehabilitation
• Coronary Care
• Intensive Care
• No Gap prostheses and the minimum benefit for Gap Permitted prostheses^a
• Ambulance transport
• Disease prevention, chronic disease management and hospital substitute programs
• Doctor health checks and Healthy Heart checks

For a full run down, download a policy document, effective 1 May 2008.

* Except for restricted services (below)

^a From 31 October 2005, Commonwealth legislation allows for a Gap payment for a small number of prostheses on the Government’s Prostheses List. The majority of those listed are No Gap prostheses that are fully covered by ahm. Find out more »

Restricted Services

With Essential Hospital and Essential Hospital Level 5 you receive a restricted benefit for some services as follows:

• Hip and Knee Joint Replacements
• Pregnancy related services (obstetrics)
• Assisted reproductive services such as IVF and GIFT Programs
• Services not covered by Medicare

Restricted services attract a default benefit which is determined by the Federal Government.

What does it cost?

It's easy to check the cost of your health insurance, just use our Quick Quote.

To compare quotes for all our hospital covers, check our Premiums at a Glance.

Join ahm

• Interested in joining ahm? Find a cover to suit you using our Health Cover Selector.
• If you would like our help in choosing the best health insurance cover for you, call the fund on 134 246 or we can call you.

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Please Note: For definitions on the terms used above, please see Important Information.
This is important information about your policy. Please read this in conjunction with your policy document which you can download and save for future reference.