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ahm OSHC
ahm · Standard (with GP) · OSHC — students
Our score 8.8 / 10Approved OSHCMeets 8501No hospital excess
Medibank's budget brand. Consistently one of the cheapest single OSHC premiums, riding on Medibank's national network.
What is good
- Consistently the lowest single premium of the six funds
- Emergency treatment at any hospital, not just agreement ones
- Rides on the Medibank national hospital network
What to watch
- Specialists and imaging at 85% of MBS — higher out-of-pocket than Bupa
- Routine dental and glasses are not covered
Benefit detail
- GP visits
- 100% of MBS
- Specialists
- 85% of MBS
- Pathology & imaging
- 85% of MBS
- In-hospital treatment
- 100% of MBS
- Private hospital network
- Prescriptions
- $50 per item · $500 a year
- Emergency ambulance
- Repatriation
- $20,000
- Hospital excess
- $0
- Direct billing
- Telehealth
- App claims
Waiting periods
- Pre-existing conditions
- 12 months
- Pregnancy and birth
- 12 months
- Mental health
- 2 months
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Policies are underwritten and issued by Australian registered health insurers; we handle the quote and the sign-up. The insurer’s policy document and PDS are the authority on price and cover.