ahm OSHC

Simple, affordable health cover for international students

ahm is an Australian health insurer and a subsidiary of Medibank, operating as one of the six approved OSHC providers. ahm OSHC is positioned as a budget-friendly, straightforward alternative, focusing on simplicity and value. ahm offers competitive pricing while maintaining the core coverage required under Australian regulations. Approved by the Department of Health for OSHC in all Australian states.

8
Overall Rating / 10
Coverage7.8
Value9
Support7.5
Network7.8

Premium Ranges (2026)

Single — 12 Months
$585 – $995 AUD
Couple — 12 Months
$1,168 – $1,985 AUD
Family — 12 Months
$1,460 – $2,485 AUD

ahm is typically the most competitively priced option. Actual rates depend on cover duration and level.

Coverage Details

Hospital

100% MBS fee for shared ward in public hospitals

Medical

  • GP consultations (100% MBS)
  • Specialist consultations (85-100% MBS)
  • Pathology and radiology (85-100% MBS)

Pharmaceutical

Up to $50 per prescription, annual max $300 (single) / $600 (family)

Mental Health

Covered under hospital and medical benefits

Waiting Periods

General
No waiting period for most services
Pre-existing
12 months
Pregnancy
12 months
Psychiatric
2 months

Key Features

Budget-friendly premiums — often the lowest cost option
Simple, no-frills cover structure
24/7 health advice line
Online claims via ahm app
Backed by Medibank network infrastructure
Straightforward policy management

Considering ahm (Australian Health Management)?

Visit their website for the latest premiums and to purchase OSHC directly.

Visit ahm (Australian Health Management) Compare All Providers