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Compare Kogan health insurance

How Kogan rates for member complaints, gap cover and ambulance.

CHOICE staff
CHOICE staff

Kogan summary

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

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

Phone: 1300 100 210


Is Kogan nonprofit?


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.

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

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

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.

Does Kogan offer any discounts?

Discount for direct debit: None

Discount for annual prepay: None

Total discount for annual prepay via direct debit: None

Youth discounts: None.

Does Kogan offer ambulance cover?

Yes. 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. 

Does Kogan offer family policies that cover adult children?

Yes, adult children are covered up to age 25. 

Does Kogan let you claim online or in-app?

Yes. Online claiming for all services.