Trying to cancel ahm? Avoid the runaround.
Can you cancel your ahm subscription? Check eligibility and conditions
- No lock-in contracts: You can cancel ahm health cover any time – only the Principal Member or an authorised representative can make the request.
- 30-day cooling-off period: Cancel within 30 days of starting or upgrading (with no claims made) for a full refund of premiums paid.
- After cooling-off: You can still cancel anytime, ahm will refund any unused portion of prepaid premiums.
- No cancellation fees for standard domestic health policies.
- OSHC/OVHC exceptions: Overseas student/visitor covers may have different cancellation conditions and possible admin fees.
How to cancel a ahm subscription, service or order
- Call ahm Member Services: Phone 134 246 to speak with an ahm representative.
- Request a callback: Use the “Message us for a call back” option on the ahm Help page.
- Confirm authority: Be ready to verify you’re the Principal Member or authorised contact.
- Set cancellation date: Choose immediate cancellation or a future date (e.g., end of billing cycle).
- Refund of excess premiums: ahm will automatically refund any unused portion of your premium.
- Get confirmation: Request a confirmation email or letter and note the cancellation reference.
- Switching funds? Ask ahm for a Clearance Certificate for your new insurer.
How long does a ahm cancellation take?
- 30-day cooling-off: Cancel within 30 days (no claims) → full refund.
- No notice period: Cancel anytime, Cover ends the day you choose.
- Billing cycle tip: Cancel before your next payment date to avoid waiting for a refund.
- Refund timeline: Most refunds processed within 5–14 days, depending on payment method.
- Post-cancellation documents: ahm sends confirmation and, if applicable, a Clearance Certificate within 14–30 days.
ahm cancellation fees and final charges – what to expect
- Standard domestic health cover: No cancellation or termination fees.
- Only pay for cover up to your cancellation date.
- Cooling-off with claims: You can still cancel but won’t get back the portion covering claimed services.
- OSHC/OVHC: May include small admin fee when refunding unused premiums.
ahm cases submitted through Ajust
I cancelled my ahm policy and was told the refund would take up to ten days, but nothing happened. When I called, they said it hadn’t even been started. It feels like no one’s accountable or listening, and I’m now chasing what should have been simple. - John
I tried to cancel my ahm policy months ago, but instead of ending it, they suspended it. Every step since has been a fight to get it properly cancelled. I shouldn’t have to threaten complaints just to be heard. - Kerrie
Consumer experiences with ahm cancellations
Smooth & simple: Many customers cancel in one phone call, receive prompt pro-rata refunds, and report no fees or pressure to stay.
Minor frustration: Some dislike that cancellation must be done by phone – no self-service option online.
Billing resolved quickly: Any accidental post-cancellation charges are refunded without dispute.
ahm Cancellation FAQs
What’s the fastest way to submit a complaint with ahm?
Calling 134 246 (Mon–Fri, 9am–6pm AEST) is the fastest way to lodge an ahm complaint. You can also email feedback@ahm.com.au or use the secure member portal. Include your policy number, contact details, dates, and what outcome you want. ahm usually acknowledges complaints immediately by phone or within one business day via email, so you can track your case quickly.
What happens after I make an ahm complaint?
ahm first tries to fix simple issues on the spot, like claim errors or policy questions. Complex cases are assigned to a Customer Advocacy case manager who investigates and updates you within 10 business days. If delays occur, ahm must explain why and give a revised timeline. You’ll receive a clear outcome—refund, fix, apology, or explanation—so you know exactly where things stand.
How do I escalate an unresolved ahm complaint?
If your case isn’t resolved within 10 business days or you’re unhappy with the outcome, ask for a senior review from ahm’s Customer Resolutions Manager. You can then contact the Private Health Insurance Ombudsman (PHIO) for free, independent help via ombudsman.gov.au. Keeping records of calls, emails, and case IDs makes escalation faster and stronger.
Will making a complaint affect my ahm health cover or premiums?
No, lodging an ahm complaint won’t impact your health cover, claims, or premiums. Complaints are confidential, free, and designed to improve service. ahm encourages members to raise issues early so they can correct problems quickly. If you ever feel disadvantaged, request a case review or escalate to PHIO for independent oversight.
Tried to cancel but ahm made it difficult?
We’ll help you submit a formal cancellation they can’t ignore.