Airborne mould is everywhere, you can't escape it completely unless you live in a bubble. However if your immune system has been impacted by other allergens and viruses then living in a confined space with increased mould spores from your air conditioner is a real cause for concern.
Just cleaning your dirty filters may not be enough
Whilst cleaning the dust and dirt off the filters will increase the airflow of your air conditioner and in turn decrease running costs, it will not prevent mould from growing from the condensation.
Mould often grows in the air chamber behind the coil of the air conditioning indoor unit in places that you can't reach without professional knowledge or trade qualifications.
There's a lot more behind the filters and the coil that need a qualified tradesperson to access to properly remove mould from the fan barrel itself and all the corners inside the casing.
Completely eradicating mould in a humid climate is unfortunately not possible as there are tiny areas that are inaccessible even to tradespeople for it to grow from, but getting regular maintenance service by experienced, qualified professionals will keep it at bay and you will also get great advice on how to reduce it's growth along with other recommendations for optimal performance.
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