AHM

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Visiting Australia? And Need a Health Insurance Cover?

Studying, working visiting, or living in Australia - the one health cover always on your side, the OSHC that doesn't let you worry a bit - it's ahm!

Why Choose ahm?

We're a Healthcare Brand to Reckon With!

We have been in the healthcare business since more than 40 years, and have catered to about 360,000 people in Australia, both residents and overseas students. We understand the health related needs of people and we make sure that they get everything they need, whether it's during a medical emergency, or if it is to get an Australian visa.

Ours is a Broad Network!

At the time of any medical emergency, an ah healthcare plan will make sure you get connected to the nearest GP (General Practitioner, as our doctors in Australia known as), a hospital, ambulance, and also a pharmacy, as soon as possible.

We Understand, We Care!

We know that the convenience for a resident by having an access to Medicare is not available with an overseas student. That is why, our brand of OSHC makes sure that every non-resident has an access to all they need to have a healthy stay in Australia.

About ahm

ahm, short for Australian Health Management, has been in the healthcare industry serving hundreds of thousands of people, including both residents and overseas students, across Australia, since over four decades.

Going to a new a country is, in many ways, an adventure worth a lifetime. But, in order to live this adventure, there's a lot of preparation and organizing that one need to put in. One of the things that needs to be taken care of, is arranging an OSHC or Overseas Student Health Cover to go along your visa application.

And while it might sound easy, but it's too commonplace in this day and time to get a visa rejection because of some tardiness, or some aberration in the OSHC. With ahm, though, you will find the process straightforward, and without any hassle at all.

We know how it is to be in a foreign country, and try to make the most of the time and resources available to one. That is why, we have partnership with a broad range of service providers in Australia, dealing with accomodation, banking, cellphones, etc. to help people gone to study or work there, in every way possible. Coming to ahm-OSHC, therefore, will definitely prove to be one of the best decisions you will make.

Main Features

With an ahm health cover plan, a part of the cost of any prescription medication will be paid by us.
ahm will pay the benefits towards the cost of accommodation, OT fee, etc. if you ever fall sick, under the condition that you'd have served the applicable waiting periods.
While most of the times you will have to pay your doctor's fee and claim it later on from us, there are a few GPs who directly charge ahm.
Our health cover plans will have help you meet the visa requirements as stated by the Department of Immigration, therefore help you in getting your visa granted.

Visa Letter Instantly

Going to Australia is a dream of many - whether it is to study at any of the top global institutes there, work at an internationally reputed company, or just live and bask in the glory of the country. But, the stringent healthcare laws make visa acceptance a real difficulty sometimes. With a health cover plan from ahm though, you'd be able to drop all your worries at once! Just don't forget to provide us with your valid personal details including your email id, along with your application.

Discover more

How to Use Questions & Answers HealthCare system in Australia

For more information and to get a quote, visit ahm Here. here.

And Now, It's Time To Roll!

Your dreams of studying, working, or living in Australia will not get quashed because of not having a legitimate health cover, ever! To get in touch with the best overseas health cover for Australia, give us a ring at insurance@aussizzgroup.com.

You will have one of our agents get in touch with you, as soon as possible, with everything you need to know about every health cover plan that we have; you can then choose the plan that best meets your needs!

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ahm OSHC Plan

Health Insurance Criteria

ahm
$39.1
Visa Compliance
Meets Government Requirements These policies will fulfill your international student visa requirements.
Apply directly on this website You can apply through oschaustralia.com.au and in most instances, you will receive your OSHC certificate within 1 minute of purchase.
In Hospital Treatment
Accommodation Public Hospitals: You are covered for accommodation (in a shared ward only), theatre fees,same day services, etc. At a minimum, you are covered for 100% of the rate determined by State and Territory health authorities for services charged to a patient who is not an Australian resident.

Private Hospitals: All OSHC providers have agreements with private hospitals. You will be covered for accommodation in a shared ward(or where available, a private ward), theatre fees, same day services, if you visit a hospital that your insurer has agreement with. At a minimum, you will be covered for 100% of the charges for all insurable costs raised by a contracted hospital. For a private hospital(where your insurer does not have an agreement) you have to pay the difference between hospital charges and default rate for insurer(this could be very high).
Accident and Emergency Services Public Hospitals: You are covered for accident and emergency services. At a minimum, you are covered for 100% of the rate determined by State and Territory health authorities for services charged to a patient who is not an Australian resident.

Private Hospitals: All OSHC providers have agreements with private hospitals. You will be covered for accident and emergency services for a hospital where your insurer has an agreement with. At a minimum, you will be covered for 100% of the charges for all insurable costs raised by a contracted hospital. For a private hospital(where your insurer does not have an agreement) you have to pay the difference between hospital charges and default rate for insurer(this could be very high).
Outpatient and Post Operative Where you are treated in a hospital as an out patient (not admitted) or where you are treated post operatively:

Public Hospitals: You will be covered for accident and emergency services. At a minimum, you will be covered for 100% of the rate determined by State and Territory health authorities for services charged to a patient who is not an Australian resident.

Private Hospitals: All OSHC providers have agreements with private hospitals. You will be covered for outpatient and postoperative services for a hospital where your insurer has an agreement with. At a minimum, you will be covered for 100% of the charges for all insurable costs raised by a contracted hospital. For a private hospital(where your insurer does not have an agreement) you have to pay the difference between hospital charges and default rate for insurer(this could be very high).
Doctor Services In a Hospital, you will receive 100% benefit listed in MBS for the treatment by doctors (including specialists).

100% of MBS
Out of Hospital Treatment
Standard GP Consultation You will get 100% of benefit listed in MBS for consultations with general practitioner (GP) where you are not in a hospital.

100% of MBS
Specialists You will get a percentage of benefits listed in MBS for consultations with specialist where you are not in a hospital.

85% of MBS
Pathology and X-rays You will get a percentage of benefits listed in MBS for pathology or X-Ray services where you are not admitted to a hospital.

85% of MBS
Other
Emergency Ambulance Services Emergency service is where you need immediate treatment and there is no other reasonable way to get to a hospital.
Surgically Implanted Prosthesis You will receive 100% benefit listed in Federal Government Prosthesis Schedule for surgically implanted prosthetics.
Prescription medicines You have to contribute an amount before the insurer will pay a benefit, when claiming for a prescription medicine. This contribution is equivalent amount to those listed in current Pharmaceutical Benefits Scheme (PBS).
This benefit is limited to:
  • $50.00 per prescribed item
  • $300.00 per person per calendar year
  • $600.00 in total per calendar year for Family cover

$50 item limit
$300 person limit pa
$600 family limit pa
Waiting Periods
Pre-existing Psychiatric You cannot claim any service for a defined waiting period, if you have a pre-existing psychiatric condition that needs treatment. Waiting periods for each insurer are listed.
2 Months
Pre-existing Conditions You cannot claim any service for a defined waiting period, if you have a pre-existing condition (that is, a condition where symptoms existed any time in the 6 months before arriving in Australia).
12 Months
Obstetrics You cannot claim any service for a defined waiting period, for obstetrics and pregnancy related services.
12 Months
Extra Features
Refund Policy Usually you are entitled to a full refund if your visa application is rejected. Some providers charge either a minimum cover or a refund processing fee, if you are not entitled to a full refund (for example, you finish your studies early).

No fees
  GET QUOTE

Visa Compliance

Meets Government Requirements

Apply directly on this website

In Hospital Treatment

Accommodation

Accident and Emergency Services

Outpatient and Post Operative

Doctor Services

100% of MBS

Out of Hospital Treatment

Standard GP Consultation

100% of MBS

Specialists

85% of MBS

Pathology and X-rays

85% of MBS

Other

Emergency Ambulance Services

Surgically Implanted Prosthesis

Prescription medicines

$50 item limit
$300 person limit pa
$600 family limit pa

Waiting Periods

Pre-existing Psychiatric

Pre-existing Conditions

Obstetrics

Extra Features

Refund Policy

No fees

Gap scheme

Repatriation to home country

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