Compare Kogan health insurance


An online-only health fund, in partnership with AHM owned by Medibank Private, which opened in 2018.

Fund information


Kogan summary

Is Kogan nonprofit? 

Does Kogan get many complaints from members? 

How good is Kogan's gap cover? 

How many hospital agreements does Kogan have in my state? 

Does Kogan offer any discounts?

Does Kogan offer ambulance cover?

Does Kogan let you claim online or in-app?

What CHOICE Community says about Kogan

Kogan summary

Kogan

Kogan Health is an online health fund which opened in 2018 through a commercial partnership with AHM health insurance. AHM is owned by Medibank Private and has over 650,000 members. Together, the Medibank Group has 3.7 million customers and is one of Australia's largest health insurers.

Almost all Kogan policies are identical to AHM policies but with Kogan branding so the information on this page mostly refers to AHM and it's parent company, Medibank Private.

Phone: 1300 100 210

Email: info@ahm.com.au

Website: koganhealth.com.au

Is Kogan nonprofit?

No.

Find better health cover with CHOICE. Compare health insurance now.

Does Kogan get many complaints from members?

Kogan complaints rating: Medium

(Includes AHM complaints)

When we score policies we give each fund a complaints rating, based on the number of complaints and serious disputes the Ombudsman deals with. We take into account the size of the fund, so big funds don't get automatically penalised for having more complaints.

  • The ratings are Low, Medium and High. A Low rating is better than a High rating – it means the fund has fewer complaints and fewer serious disputes for its size.
  • The infographic below shows the complaints about the fund to the Ombudsman as a percentage of all complaints. Complaints can be about benefits or customer service. The most serious complaints are escalated for investigation.
  • The higher the share of complaints a fund receives above its market share, the worse its performance compared to other funds. If its share of complaints is below its market share, that's a better result.

Medibank, AHM and Kogan account for...

26.9% of the health insurance market

34.4% of all complaints about benefit payments

71.4% of all complaints about service

26.3% of all complaints that are escalated to investigations.

How good is Kogan's gap cover?

A medical gap is the difference between Medicare's recommended fee and what your doctor actually charges for a treatment or service.

Health funds have agreements with particular doctors and hospitals to cover all of the gap, which are called 'no gap agreements', or part of that gap, which are called 'known gap agreements' (these will have lower out-of-pocket costs, usually less than $500).

Our graphic below displays the CHOICE gap rating for Medibank (Kogan and AHM's parent company), which takes into account the percentage of services where members either paid no gap or a known gap, compared to the state average.

Rating scale

  • Above average
  • Average
  • Below average
  • Well below average

We also display the percentage of medical services that AHM covers with no gap, and compare it to the industry average. The higher the percentage, the more effective the fund's gap scheme is in a state or territory.

AHM Health gap cover performance by state

New South Wales (NSW)

Average

Australian Capital Territory (ACT)

Average

Victoria (Vic)

Average

Queensland (Qld)

Average

South Australia (SA)

Above average

Western Australia (WA)

Below average

Tasmania (Tas)

Average

Northern Territory (NT)

Average

Percentage of medical services covered with no gap

New South Wales (NSW)

AHM – 88.4%

Industry average – 86.3%

Australian Capital Territory (ACT) 

AHM – 79.8%

Industry average – 76.7%

Victoria (Vic) 

AHM  – 84.6%

Industry average – 85.0%

Queensland (Qld) 

AHM – 87.6%

Industry average – 85.1%

South Australia (SA) 

AHM – 90.3%

Industry average – 86.8%

Western Australia (WA) 

AHM – 73.6%

Industry average – 90.1%

Tasmania (Tas) 

AHM – 92.2%

Industry average – 83.0%

Northern Territory (NT) 

AHM – 81.6%

Industry average – 80.1%

How many hospital agreements does Kogan have in my state?

The benefit amount your fund pays you for hospital services depends not only on the type of cover you buy, but also whether your fund has an agreement with the hospital where you're treated. 

The table below shows how many hospital agreements Kogan has in your state compared to the fund with the highest number (the industry maximum). Note that public hospitals don't have agreements with specific funds and are generally treated as though they're agreement hospitals.

Kogan Health has

ACT

5 private hospital agreements out of an industry maximum of 7

4 day hospital agreements out of an industry maximum of 8

NSW

88 private hospital agreements out of an industry maximum of 100

75 day hospital agreements out of an industry maximum of 100

NT

1 private hospital agreements out of an industry maximum of 2

1 day hospital agreements out of an industry maximum of 2

Qld

52 private hospital agreements out of an industry maximum of 58

40 day hospital agreements out of an industry maximum of 53

SA

26 private hospital agreements out of an industry maximum of 27

19 day hospital agreements out of an industry maximum of 28

Tas

5 private hospital agreements out of an industry maximum of 8

4 day hospital agreements out of an industry maximum of 6

Vic

69 private hospital agreements out of an industry maximum of 79

53 day hospital agreements out of an industry maximum of 79

WA

20 private hospital agreements out of an industry maximum of 23

18 day hospital agreements out of an industry maximum of 29

Find better health cover with CHOICE. Compare health insurance now.

Does Kogan offer any discounts?

Discount for direct debit: None

Discount for annual prepay: None

Total discount for annual prepay via direct debit: None

Does Kogan offer ambulance cover?

All Kogan/AHM extras, hospital and combined policies cover emergency ambulance in all states. 

Cover is capped for:

  • Starter and Lite policies - one claim per financial year for a single policy and two claims per financial year for a couple or family policy. 

Do you need ambulance cover?

Depending on where you live, you may not need a policy with ambulance cover. 

  • In Queensland or Tasmania, emergency ambulance services are covered by your state government. 
  • In NSW and the ACT, all hospital policies come with emergency ambulance cover – so you'll be covered with any hospital or combined policy you select. 
  • In South Australia, Victoria and the Northern Territory you can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance in your state or territory or refund at least part of the cost of the ambulance service cover. 
  • Rural WA: You can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance or refund at least part of the cost of the ambulance service cover. 
  • Metropolitan WA: If you want to be covered for ambulance you need to buy a health insurance policy with ambulance cover.

Does Kogan let you claim online or in-app?

Online claiming for all services.


Find better health cover with CHOICE. Compare health insurance now.

What CHOICE Community says about Kogan

The CHOICE Community is the online forum for Australian consumers, open to CHOICE members and supporters. Join the conversation about Kogan to share your experiences or gain more insights into this health fund.