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Can you get a refund from ahm? Check eligibility first
- 30-day cooling-off: New members (or existing members who’ve changed cover) can cancel within 30 days of the policy start and get a full refund of premiums paid, provided no claims have been made.
- No claims condition: If you have claimed during the cooling-off period, the cost of benefits paid will be deducted from any refund.
- Pro-rata refunds after cooling-off: Cancel any time and get a refund for the unused portion of prepaid premiums.
- Membership changes: If downgrading or removing dependants results in overpayment, ahm refunds or credits the difference.
- OSHC policies: Overseas Student Health Cover has separate refund rules requiring documentation; eligible refunds are usually pro-rata, sometimes minus an admin fee.
How to get a refund from ahm
- Contact ahm: Call 134 246 or request a callback/message via ahm’s contact options. Only the primary member or an authorised representative can cancel.
- Confirm cancellation date: Usually immediate or a chosen future date.
- Ask for refund calculation: Staff will confirm any pro-rata or full refund amount and the refund method.
- Cooling-off requests: State you are exercising your cooling-off rights so they can verify no claims and process a full refund.
- Provide payment details if needed: Refunds are sent to the account/card on file unless otherwise arranged.
- Request written confirmation: Ask for an email outlining the cancellation date and refund amount.
ahm’s refund timeframe - how long it takes
- Processing: Refunds are generally processed within a few business days of cancellation.
- Bank transfers: ~3–5 business days to appear in your account.
- Credit card refunds: Similar timeframe, but can take up to a week depending on your bank’s cycles.
- OSHC refunds: Usually 5–10 business days after documentation is approved.
- Possible delays: Public holidays, closed/expired accounts, or overlapping with billing dates may add days.
ahm’s refund methods - how you'll get your money back
- Direct bank deposit: For members paying by direct debit.
- Credit card reversal: For premiums paid by card.
- Cheque: Rare; used if electronic refunds aren’t possible.
- Alternative account: Arranged if the original account is closed.
- OSHC refunds: Paid to original payment method or nominated Australian bank account.
Common refund issues with ahm
- Cancellation requires a phone call, which some members find time-consuming.
- Confusion over pro-rata amounts. Refunds only cover unused premium.
- Recent claims can reduce the refund.
- Missed refunds if bank/card details are outdated.
- Email queries may be slower to resolve than phone calls.
ahm cases submitted through Ajust
Customer experiences with ahm refund cases
Quick cooling-off refund: Full premium returned within 3 days for a new member who cancelled early and had no claims.
Pro-rata clarification: Annual prepayment refunded correctly after a member queried the amount; resolved after explanation of calculation.
Smooth insurer switch: Unused portion of month refunded within a week when moving to a new fund.
How ahm Refund Policy Compares to Competitors
- Medibank: Same 30-day cooling-off and pro-rata refund rules (Medibank owns ahm).
- Bupa, NIB, HCF: All must refund unused premiums by law; cooling-off periods are standard. Some competitors offer online cancellation forms (e.g., NIB), whereas ahm requires a call.
- Smaller funds: Often praised for personal service, but refund outcomes are the same under industry regulations.
Official ahm Refund Resources & Links
ahm Refund FAQs
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