An annual limit is the maximum amount we can help with the bills for your services and items included on your cover within a financial year (1 July to 30 June). Annual limits are subject to per person limits.

Each person on your cover can claim up to the per person limit within a financial year - except if a family limit has already been reached by other members on the cover, or if a lifetime limit applies and has already been reached by that person.

The maximum amount of benefits we pay towards a group of included services and items in a financial year– but as the name suggests, it’s flexible. Some people may want a little more physio and a little less osteo for example, and that’s possible with a flexi limit. That means you have more control and choice over the services you want to use your health insurance for.

A lifetime limit is the total benefit you can claim for a service in a lifetime, across all insurers. At ahm, lifetime limits only apply to orthodontics and laser eye surgery. When you reach this limit, we can’t help with the bill for those services ever again, even if you change your cover. It’s important to remember that lifetime limits carry across providers. That means if you were to reach your lifetime limit at ahm, it would not reset if you switch to another insurance fund.

With loyalty limits, the longer you’re a member, the more you can claim (up to a maximum limit – refer to your product guide). Loyalty limits are only offered on some types of extras cover, and are calculated by using the number of full financial years the Principal Member has continuously held an ahm cover.