AHM OSHC: coverage and waiting periods
Last updated: May 6, 2026
AHM OSHC Single Hospital coverage: included/excluded services, MBS-based medical, prescription co-pay, annual limits, waiting periods. 24/7 Health and Support Line and member app included.
AHM OSHC offers a Single Hospital cover policy for international students in Australia. AHM is part of the Medibank Group.
Hospital cover
Out-of-pocket expenses may apply above the MBS benefit if the doctor charges more than the listed fee.
Medical cover (out-of-hospital)
Prescription medicines
Members contribute up to AUD 50 per prescription before AHM pays benefits. Annual limit: AUD 300 per single membership / AUD 600 per couple/family membership. Only PBS-listed medicines are covered.
Annual limits
Maximum benefits payable per member or membership per calendar year (Jan 1 – Dec 31). Limits reset each January.
Waiting periods
Pre-existing condition definition. Any ailment, illness, or condition where signs or symptoms existed at any time during the 6 months before joining, whether diagnosed or not.
Switching from another OSHC fund. If joining within 2 months of leaving a previous Australian OSHC, members may not need to re-serve waiting periods already served on the previous policy.
Member services
- Choice of hospital and treating doctor or specialist.
- 24/7 Health and Support Line.
- Online Member Services (OMS) and AHM OSHC mobile app.
- Direct claims at participating providers.