Stay Independent with the Personal Alarms Eligible Through AT-HM

24/7 nurse-monitored personal alarms to help you live independently, safely, and confidently.

The Assistive Technology and Home Modifications (AT-HM) scheme is a key part of Australia’s Support at Home program. It provides eligible older Australians with upfront funding for items like personal alarms, separate from their care services budget.


Your aged care assessor will determine whether assistive technology is needed, and if approved, assign a funding tier. Once included in your support plan, INS LifeGuard is the only AT-HM personal alarm monitored by real nurses and other healthcare professionals 24 hours a day.

How AT-HM Funding for Personal Alarms Works

  • How AT-HM Funding for Personal Alarms Works

    • Low – Up to $500
    • Medium – Up to $2,000
    • High – Up to $15,000

    Funding covers the personal alarm itself and support to ensure you can use it safely.

  • What’s Covered Under AT-HM — and What Isn’t

    The Assistive Technology and Home Modifications (AT-HM) scheme provides separate, upfront funding for eligible older Australians as part of the new Support at Home program.


    This funding can help cover the hardware (device) and setup of personal alarms, but there are important limits.


    What AT-HM Does Cover

    INS LifeGuard devices — including the INS LifeGuardian® Watch (Apple or Samsung)

    Other eligible INS LifeGuard assistive technology, such as fall detectors (standalone or pendant), fixed call points and voice-triggered alarms, and smoke and environmental sensors

    Setup, training, and configuration (if required)

    Monthly rental of equipment

    Funded within your approved tier (e.g., Low: $500, Medium: $2,000, High: $15,000)


    What AT-HM Does NOT Cover

    The personal alarm monitoring subscription (e.g., 24/7 nurse support, vital signs monitoring and emergency response)

    Personal alarm monitoring and clinical services or support these are funded separately, privately or under the Support at Home care budget


  • Monitoring Subscription

    Funding the Monitoring Subscription


    The AT-HM scheme does not cover the monitoring service, but it may still be funded privately or under your Support at Home care budget if it aligns with your assessed needs.


    Support Types:

    Safety Support

    • Applies to Monitoring
    • When it’s used: When the primary need is to enable safe independent living or manage fall risk, wandering, etc.

    Clinical Support

    • Applies to Monitoring
    • When it’s used: When the nurse monitoring, health alerts, and data review help manage or detect chronic conditions, cardiac concerns, or early deterioration.

    Examples:

    “Nurse-monitored personal alarm service to provide 24/7 emergency response and safety reassurance for a client at risk of falls.”

     It could be classified under safety supervision/risk mitigation.


    “24/7 monitoring of heart rate, SpO₂, and irregular rhythms with escalation to clinical staff for a client with cardiovascular risk.”

    Can be classified under clinical monitoring / proactive health management.


    To be funded, the monitoring must be:

    Documented in your Support Plan

    Approved by your care provider

    Aligned with your individual risks or care goals


    In many cases, clients do not pay out of pocket for monitoring if it’s included in their plan.


    Even if you purchase the device privately, your provider may still fund the nurse-led monitoring subscription on its own, provided it’s approved as safety or clinical support.

The funding tiers are set at:

  • Low – Up to $500
  • Medium – Up to $2,000
  • High – Up to $15,000

Funding covers the personal alarm itself and support to ensure you can use it safely.

What’s Covered Under AT-HM — and What Isn’t

The Assistive Technology and Home Modifications (AT-HM) scheme provides separate, upfront funding for eligible older Australians as part of the new Support at Home program.


This funding can help cover the hardware (device) and setup of personal alarms, but there are important limits.


What AT-HM Does Cover

  • INS LifeGuard devices — including the INS LifeGuardian® Watch (Apple or Samsung)
  • Other eligible INS LifeGuard assistive technology, such as fall detectors (standalone or pendant), fixed call points and voice-triggered alarms, and smoke and environmental sensors
  • Setup, training, and configuration (if required)
  • Monthly rental of equipment
  • Funded within your approved tier (e.g., Low: $500, Medium: $2,000, High: $15,000)

What AT-HM Does NOT Cover

  • The personal alarm monitoring subscription (e.g., 24/7 nurse support, vital signs monitoring and emergency response)
  • Personal alarm monitoring and clinical services or support these are funded separately, privately or under the Support at Home care budget

Funding the Monitoring Subscription

The AT-HM scheme does not cover the monitoring service, but it may still be funded privately or under your Support at Home care budget if it aligns with your assessed needs.


Support Types:

Safety Support

  • Applies to Monitoring
  • When it’s used: When the primary need is to enable safe independent living or manage fall risk, wandering, etc.

Clinical Support

  • Applies to Monitoring
  • When it’s used: When the nurse monitoring, health alerts, and data review help manage or detect chronic conditions, cardiac concerns, or early deterioration.

Examples:

“Nurse-monitored personal alarm service to provide 24/7 emergency response and safety reassurance for a client at risk of falls.”

 It could be classified under safety supervision/risk mitigation.


“24/7 monitoring of heart rate, SpO₂, and irregular rhythms with escalation to clinical staff for a client with cardiovascular risk.”

Can be classified under clinical monitoring / proactive health management.


To be funded, the monitoring must be:

  • Documented in your Support Plan
  • Approved by your care provider
  • Aligned with your individual risks or care goals

In many cases, clients do not pay out of pocket for monitoring if it’s included in their plan.


Even if you purchase the device privately, your provider may still fund the nurse-led monitoring subscription on its own, provided it’s approved as safety or clinical support.

Compare Our Personal Alarm Solutions under the AT-HM Scheme

INS LifeGuardian® Watch

A Smarter Personal Alarm — No Lanyard. No Stigma.

The INS LifeGuardian® Watch is a modern personal alarm that replaces the traditional pendant with smart, wearable technology, discreet, stigma-free, and designed for real life.


The INS LifeGuardian® Watch is the only nurse-monitored smart watch personal alarm approved under the Assistive Technology and Home Modifications (AT-HM) Scheme, and it’s fully compatible with the Support at Home program.


Whether you're at home or out in the community, the watch connects you directly to INS LifeGuard’s 24/7 Emergency Response Centre, staffed by qualified nurses who can assess, triage, and coordinate your care, not just respond.


It’s more than a button; it’s real clinical care from real nurses, with built-in health monitoring to help detect early warning signs and support the management of chronic conditions.


  • Claim the device and set up through your AT-HM funding tier
  • Ask your provider about including the monitoring subscription under Clinical Care or Safety Support via your Support at Home care budget

LifeGuard SmartTracker V3 & SafetyWatch V3

Reliable mobile safety with GPS and two-way communication

LifeGuard SmartTracker V3 & SafetyWatch V3 are portable, wearable personal alarms designed for people who are active in the community or often on the move. With built-in GPS location tracking and a two-way speaker, you’re always connected to INS LifeGuard’s 24/7 nurse-staffed Emergency Response Centre, no matter where you are.


These devices are ideal for users who want lightweight, easy-to-use protection in and outside the home. Devices are covered under the AT-HM Scheme, which provides simple, mobile safety with professional response when you need it most.


  • GPS-enabled location tracking
  • Built-in speaker/microphone for direct communication
  • AT-HM (Technology) funding approved

In-Home Personal Alarm Systems

24/7 home-based protection with waterproof pendants

Our In-Home Alarm Systems are designed to provide peace of mind for individuals around the home. The diallers include waterproof pendants or wristbands that can be pressed to instantly connect with our nurse-led Emergency Response Centre, available 24/7.


They’re ideal for individuals at risk of falls, recovering from surgery, or simply wanting added reassurance while living independently. Optional fall-detection pendants are available to enhance safety further.


  • AT-HM (Technology) funding approved
  • Waterproof wearables – pendants or wristbands
  • Optional fall detection

Contact INS LifeGuard

You or your care coordinator can contact us directly once you receive your support plan. We’ll help you choose the best option and guide you through the next steps.

Real Users, Real Peace of Mind

Find Out How INS LifeGuard Under the AT-HM Scheme Makes a Difference

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More Client Feedback

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I wanted to express my heartfelt thanks to Bev and Taliah for their wonderful service and quick action the other night when my wife needed an ambulance. I was truly impressed with the level of care and professionalism they provided.

— Tony K.
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My daughter and I want to extend our sincere thanks to Belinda and Tim for their help overnight. The continuous callbacks to check on me were so comforting. They were both wonderful, and I am deeply grateful for their kindness.

— Beryl G.
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I want to thank everyone at INS for their assistance when my blood pressure dropped to 70 and I eventually needed several blood transfusions in the hospital. I'm not sure what would have happened if I hadn’t been wearing my pendant. I’m incredibly grateful for the service.

— Mr. B.
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I would like to thank and praise Rosie who looked after 2 calls for ambulances on Tuesday evening with me. Rosie definitely went above and beyond with her help, not only for the two residents but for me, who has no medical background!

— Angela, Village Manager
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I recently had a friend who was assisted by INS LifeGuard, and I just wanted to express my appreciation for the service they provided. The questions they asked were spot-on, and the kindness they showed was both relevant and reassuring.

— Marilyn
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I wanted to thank Kristie for her assistance this morning when I required an ambulance. They arrived promptly, and after experiencing a bout of vertigo, I’m already home and feeling much better. I’m very thankful for the care I received.

— Noeline E
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I want to thank John for his quick action in calling 000 when my grandson was in shock after losing his grandfather. I’m truly grateful for his patience and understanding during such a difficult time.

— Mrs. Lynette P
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I want to express my heartfelt thanks to Ben W for the help he provided in June when my husband was unwell. I’m happy to share that my husband is now home and recovering well.

— Ms. Laurie M
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I am very grateful to Abbey for the help she provided when I had a fall in June. Her support was truly appreciated.

— Elizabeth M
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I want to say a BIG THANK YOU to Robyn for saving my life recently when I had a stroke.

— Mrs. Pamela B
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I want to express my gratitude to INS for their speedy response and for the help of their nurse, who was most caring and arranged for an ambulance to convey me to the hospital, where I received the appropriate attention.

— Mr. Tom W
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I called to thank Rosie and the staff for calling an ambulance for my neighbor, Sally, when she fell. She is currently in the hospital and, unfortunately, broke her arm.

— Maree
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I want to thank the INS nurses for their quick action in getting me an ambulance in April. I underwent major surgery and spent three weeks in the hospital.

— Mr. David G
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I want to express my deepest gratitude to Nurse Belinda, who was there for me when I urgently needed an ambulance. Having this system in my home feels like having another person living with me—I no longer feel alone.

— Mrs. Morton
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I want to express my heartfelt thanks to Robyn for the assistance she provided me the night before last when I needed the ambulance. I was extremely impressed with the nurse, the INS service, and the quick response time of the ambulance.

– Yvonne L.
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I called to personally thank Roz for her help when I needed an ambulance. Your support was invaluable, and I’m truly grateful.

— Mrs. Jeannie A.
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I want to extend my heartfelt thanks to Tim for assisting me recently with my faulty smoke detector. Your help was much appreciated.

— Mrs. Cook
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I want to express my deep gratitude for all the support given to my mother over the last two years. A special thank you to Shay for being there during a very distressing time—it meant the world to me.

— Wonita
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A big thank you to Ben W for your assistance the other morning. I truly appreciated how you kept me updated on what was happening during the three hours I was on the floor. Your support made a challenging time much easier.

– Bill H
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I wanted to extend my heartfelt thanks to Kristie and Shay for their promptness and care yesterday. Your quick response and attention to detail made all the difference. Thank you so much!

– Mr. S and Mrs. P
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I want to thank John for helping me with my alarm last week when I was short of breath. I was transported to the hospital, where it was determined I had blood clots in my lungs. I feel very lucky to be alive, and I’m deeply thankful to all the INS staff who assisted me.

– Mrs. Long
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I want to express my deep gratitude to Ceara for calling the ambulance for my wife. Your quick thinking and excellent service made all the difference, and I cannot thank you enough.

— Allan T
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I would like to sincerely thank you for your service. It has saved my mother several times after falls at home while she was alone. Knowing that she had help if she needed it gave us great peace of mind.

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Hi Kimberley, I just want to say how much I appreciate your professionalism, care, and kindness since our first communication yesterday. You've been an absolute blessing, and I’m so thankful for how attentive and helpful you’ve been. I’m really looking forward to getting this installed for Dad.

— Natalie S.
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Huge thank you to Roz. I didn’t think I needed the alarm, but after using it twice now for falls, I’m very grateful.

— Robert M.
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Thank you so much, INS, for helping my husband last week when he was suffering from bad neuralgia. Your support meant the world to us, and we are very grateful.

— Mrs. Leonie R.
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Thanks to the INS staff for all the wonderful and caring work over the years since I have been in the village.

— Jillian

I just wanted to take a moment to thank INS for all the assistance they've provided me over the years. Your help has been truly appreciated.

— Judith B., Campbelltown
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I recently spoke with Ben M and was incredibly impressed by his politeness and knowledge about the equipment. I want to wish everyone at your company happiness and love during Christmas and the New Year. You are all lifesavers!

— Mr. Hanna
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I want to express my extreme happiness with INS and how they collaborated with emergency services to ensure a quick and pleasant outcome when I needed an ambulance on Saturday. I’m especially grateful to Ben W. for his care and efficiency—he’s wonderful!

— Mrs. Barbara H.
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I want to express my appreciation for the consistent and caring support I received from INS. Beverley and Shay responded promptly to my specific actions on file and even checked in with me to ensure I was okay. Thank you both for your dedication!

— Vanessa R.
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I would like to express my appreciation of the service supplied by INS.The questions they asked and the kindness they expressed were very relevant and assuring.

— Marilyn
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I want to thank Lisa for her assistance while I was shivering on the floor waiting for the ambulance. She kept me sane while I was waiting.

— Mrs. Connie H.
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Sandra and I wanted to express our appreciation for the great service and efforts from George when Sandra was unwell recently. Great job, George!

— Bruce
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Thank you for always being there and the friendly service you have always given [Mum]!

— Gwen R
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Thank you for the INS LifeGuard for my husband to use when I had to go out for an appointment sometimes, knowing he would be able to use the pendant if needed.

— Carole H
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I want to extend my deepest gratitude to Julie for the wonderful job she did when we had to call an ambulance for my husband last month.

— Mrs. Fox
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I wanted to thank Karen for the assistance she provided with my father overnight.

— Sam
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Thank you, INS, for taking such good care of my dad during his time of distress when he was struggling to breathe and feeling scared. Your help meant the world to us.

— Charles’ Daughter
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Awesome, thanks for your great customer service, Ash! You really helped me out with a resident’s device, and I appreciate it.

— Robyn
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I want to thank Kristie, Ben W, and Shay at INS for the thoughtful way they handled the alarm when my Mum needed help the other night. Your care and communication meant so much to us.

— A Client's Daughter
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I’d like to extend my gratitude to Ceara and Shay for the care they showed my mother last week after her fall. Their assistance meant the world to us.

— Mrs. Kathleen’s daughter

During a recent medical emergency, my husband and I were immensely reassured by the prompt and professional response from INS LifeGuard Service. Robyn, a team member at INS, provided calm and effective support, quickly notifying the ambulance team and offering assistance over the phone. The swift arrival of the Village Manager further strengthened our confidence in the emergency care system. Now that my husband is recovering, we remain deeply appreciative of the compassionate and efficient service. We are so grateful for the reliable and comprehensive support provided by INS.

— Mr. and Mrs. Davis

Your phone and wrist button made me feel safe and secure in my home when through illness I felt vulnerable. The fact that I knew that I only had to press a button to have someone on the other end talk to me and arrange an ambulance allowed me to stay independent for as long as possible.

— Barbara

During a recent medical emergency, my husband and I were immensely reassured by the prompt and professional response from INS LifeGuard Service. Robyn, a team member at INS, provided calm and effective support, quickly notifying the ambulance team and offering assistance over the phone. The swift arrival of the Village Manager further strengthened our confidence in the emergency care system. Now that my husband is recovering, we remain deeply appreciative of the compassionate and efficient service. We are so grateful for the reliable and comprehensive support provided by INS.

— Mr. and Mrs. Davis

Firstly, I would like to thank you for the consistent high-quality service you have provided to The Willows Residents during 2023. Your team responds with efficiency and kindness at all times and we value the attention and care given through all the calls we have made to you. THANK YOU!!!

Just wanted to say a huge THANK YOU for all your time and patience on the phone today Nicole. As a virgin INS user, I emailed you. You called me right away and were so patient and took the time to learn a little of what our village required from this system. You then patiently explained the functions of the portal, paying attention to the functions which [our village] would find helpful.

I just wish to say thank you to the INS staff member who assisted us, Alison. She was very calm and caring and made the effort to check in on the situation over the several hours the call was active. She helped alleviate some of my distress, and I hope that you can note this on her file or at least pass on my thanks to her once more.

— Retirement Village
John Doe's Image

I recently spoke with our resident, and she couldn’t praise you enough for the amazing care, compassion, and professionalism you provided her. I also want to extend my personal thanks for your help and the service you offer. I’m on the phone with your team many times a week, and I can add my compliments to this one.

— Village Staff Member

Thank you so much, INS, for all your assistance! I am Mrs. B’s daughter, and I wanted to express how grateful I am for everything. I believe in giving credit where it’s due, and everyone at INS was so helpful in swapping over and setting up my mother’s new alarm device. Your support has been invaluable.

— Margaret

I wanted to take a moment to express my deep gratitude for the exceptional service my wife and I received. Both of us had contracted Covid, and when my wife needed to be transported to the hospital, everything went off without a hitch—like a Swiss watch. I’m particularly thankful to John, who handled our alarm call with such professionalism. Thank you to everyone involved in providing us with such excellent care.

— Arthur T

On behalf of our independent living village I must pass on our sincere thanks as your team have been really impressive lately with responding to emergencies, especially regarding one of dear residents who required an ambulance yesterday whilst having lunch in our clubroom...response time was fantastic…..well done!

I want to thank two of your staff members who I spoke to recently. They were both so kind and understanding during what was an incredibly difficult time for us. Staff who are so caring, especially during such tough times, are truly a credit to any organisation. Thank you so much.

— Debra N.

I’m the manager of one of our new village sites, and I wanted to share some positive feedback with INS. The residents have been very complimentary of our team, especially the nurses who respond to the emergency alarms. They were lovely, and it’s clear we’re doing a great job. Well done, everyone!

Your phone and wrist button made me feel safe and secure in my home when through illness I felt vulnerable. The fact that I knew that I only had to press a button to have someone on the other end talk to me and arrange an ambulance allowed me to stay independent for as long as possible.

— Barbara

I want to extend my gratitude for your continued excellent service. My daughter shared that the old unit worked perfectly on Monday, helping secure an ambulance for Mum. The person from INS who assisted us was extremely calm and helpful. I thought you might appreciate this positive feedback.

Ready to Get Started?

You or your care coordinator can contact INS LifeGuard directly to arrange your personal alarm.

Assistive Technology (AT-HM) Funding

Frequently Asked Questions

A comprehensive guide to the INS LifeGuard personal alarms and how they fit into Australia’s Assistive Technology and Home Modifications (AT-HM) Scheme, part of the Support at Home program under My Aged Care.

  • Can I get an Apple Watch, Samsung Galaxy Watch, or other smartwatch funded through AT-HM?

    Yes — with the INS LifeGuardian® Watch you pick if you would like Apple (iOS) or SamSung Galaxy.


    While standard mainstream smartwatches aren’t eligible on their own, INS LifeGuard offers a fully supported wearable device that combines the familiar features of an Apple or Galaxy Watch with advanced safety and clinical monitoring. It’s recognised under the Assistive Technology category ISO 22 29 06 – Personal Emergency Alarm System and is eligible under the AT-HM scheme.


    To access the INS LifeGuardian® Watch through AT-HM:

    • It must be clinically justified as part of your aged care needs weather monitoring safet, mobility, falls or health conditions.
    • You must get it included in your approved Support at Home plan

    Ask your care provider or assessor to include the "INS LifeGuardian® Watch" in your Support at Home plan under the AT-HM category.   If they’re unsure, direct them our website or have them call 1800 636 226 for assistance with ordering and eligibility.


    As the only personal alarm provider with a nurse-led response team, INS LifeGuard doesn’t just offer peace of mind — we provide real clinical care at the press of a button. Our premium monitoring service also track vital signs, supporting not just your safety but also your wellbeing at home.

  • What is the Assistive Technology and Home Modifications (AT-HM) Scheme?

    The AT-HM Scheme is part of Australia’s Support at Home reforms. It provides separate, upfront funding for approved assistive technology and home modifications — including personal alarms like the INS LifeGuardian® Watch.


    The AT-HM Scheme officially launched on 1 November 2025.

  • How much AT-HM funding can I receive?

    Funding is grouped into three tiers based on assessed need:


    Tier: Low

    Allocation: $500

    Time to Use: 12 months


    Tier: Medium

    Allocation: $2,000

    Time to Use: 12 months


    Tier: High*

    Allocation: $15,000

    Time to Use: 12 months


    *Higher funding amounts may be approved with clinical evidence.


    Note: Funds do not carry over after 12 months.

  • Why are INS LifeGuard’s personal alarms “Prescribed”?

    Personal emergency alarms (like the LifeGuardian® Watch) are classified as prescribed under AT-HM due to their clinical importance and safety role.


    They’re only funded if:

    • You’ve had a Support at Home assessment
    • The item is listed in your approved support plan
    • There is a documented clinical or safety-related need

    INS LifeGuard is the only nurse-on-call personal alarm provider under the Support at Home assistive technology.  Products are listed under ISO 22 29 06 – Personal Emergency Alarm System and are eligible when prescribed appropriately.

  • Who is eligible for AT-HM funding?

    You may be eligible if you:

    • Are 65 or older, or 50+ if Aboriginal and/or Torres Strait Islander
    • Have been approved for aged care under the Support at Home program
    • Are transitioning from a Home Care Package (HCP) or the Commonwealth Home Support Programme (CHSP)

    Eligibility is confirmed through an aged care assessment arranged via My Aged Care.

  • I already receive a Home Care Package — do I need to reapply?

    Not necessarily. From 1 November 2025, the Support at Home program will replace Home Care Packages. Most recipients will be automatically transitioned.


    However:

    • Some clients may stay on their existing HCP for a period (“grandfathering”)
    • Transition timing may vary by government policy
    • You can use unspent HCP funds to purchase approved assistive technology like the LifeGuardian® Watch
    • If no funds are available, your provider can request a Support Plan Review to access AT-HM funding
  • How do I apply for AT-HM funding?

    1. Register with My Aged Care: myagedcare.gov.au or call 1800 200 422
    2. Undergo an aged care assessment
    3. Receive your support plan with an assigned AT-HM tier
    4. Work with your provider or case manager to access approved items like the INS LifeGuardian® Watch

    Note: CHSP clients are not eligible for AT-HM unless they transition to Support at Home.

  • Does AT-HM funding cover monitoring services?

    No — AT-HM funding covers only the device and setup costs.

     However, the ongoing monitoring subscription (nurse-led response, health alerts, etc.) may be covered through your general Support at Home care budget, if:

    • It supports your clinical or safety needs
    • It is documented in your support plan
    • Your provider approves it as a care-related expense

    If you purchase the device privately, the monitoring may still be claimable on its own.

  • Can I claim the LifeGuardian® Watch under other My Aged Care programs?

    Yes, depending on your funding program:

    • Home Care Package (HCP): You can use unspent funds to purchase approved devices
    • CHSP clients: Cannot claim through AT-HM unless they transition to Support at Home

    Your care coordinator can confirm your eligibility and available options.

  • What other home safety equipment is available through INS LifeGuard under AT-HM funding?

    In addition to personal alarms, INS LifeGuard offers a range of home safety solutions that may be eligible for funding under the Assistive Technology & Home Modifications (AT-HM) Scheme, especially when aligned with your safety or independence goals.


    These include:


    Monitored Smoke Alarms

    Automatically alert our 24/7 Emergency Response Centre in the event of smoke or fire.


    Flashing/Strobe Smoke Alarms

    Designed for people with hearing impairments — emits visual alerts when smoke is detected.


    Security Key Holders 

    Enable authorised emergency responders to enter the home safely if you can’t answer the door.


    Seizure Mats

    Pressure-sensitive mats that detect seizures or unusual movements, triggering an alert.


    Call Points

    Fixed emergency buttons installed in high-risk areas (e.g. bathrooms, bedrooms) for quick access to help.


    Fall Sensors

    Detect falls automatically and trigger a nurse-led response, even if you’re unable to press your alarm.


    All of these solutions are monitored by our qualified nursing team and designed to support independent living with peace of mind.

    Speak to your provider about including them in your AT-HM funding request.

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Still Have Questions?

Talk to your care coordinator, or contact INS LifeGuard directly