Is NIB better than AHM? in 2025

Insurance Provider Comparison

Compare different insurance providers and their features

Feature	AHM$1,214.00	NIB$1,305.16
Why Buy with Us?	Latest Offer	Latest Offer
Meets government requirements
AHM NIB
Apply directly on this website
AHM NIB
Accommodation
AHM NIB
Accident and Emergency Services	All hospitals	Public and Agreement only
AHM All hospitals NIB Public and Agreement only
Outpatient and Postoperative
AHM NIB
Doctor Services	100% of MBS	100% of MBS
AHM 100% of MBS NIB 100% of MBS
Standard GP Consultation	100% of MBS	100% of MBS
AHM 100% of MBS NIB 100% of MBS
Telehealth	100% of MBS	100% of MBS
AHM 100% of MBS NIB 100% of MBS
Specialists	85% of MBS	85% of MBS
AHM 85% of MBS NIB 85% of MBS
Pathology and X-rays	85% of MBS	85% of MBS
AHM 85% of MBS NIB 85% of MBS
Emergency ambulance services
AHM NIB
Surgically implanted prosthesis
AHM NIB
Prescription Medicines	$50 item limit $31.60 co-payment $500 person limit pa $1000 family limit pa	$50 item limit $30 co-payment $500 person limit pa $1000 family limit pa
AHM $50 item limit $31.60 co-payment $500 person limit pa $1000 family limit pa NIB $50 item limit $30 co-payment $500 person limit pa $1000 family limit pa
Pre-existing Psychiatric	2 Months	2 Months
AHM 2 Months NIB 2 Months
Pre-existing Conditions	12 Months	12 Months
AHM 12 Months NIB 12 Months
Obstetrics	12 Months	12 Months
AHM 12 Months NIB 12 Months
Refund Policy	limited fees may apply	no fees
AHM limited fees may apply NIB no fees
Support Services	24-hr health and emergency support line	24-hr health support line
AHM 24-hr health and emergency support line NIB 24-hr health support line
Policy Document
Buy Now	Buy Now	Buy Now