Question 1

Who is eligible for the annual limit rollover?

Accepted Answer

To be eligible for the annual limit rollover, you must have held an ahm extras product on 30 June 2025 and remained on the same extras product as when the annual limits were rolled over.

Any unclaimed annual limits from the 2024/2025 financial year for existing ahm extras customers will be rolled over into the new financial year (except for any unused annual limits rolled over from the 2023/2024 financial year). Excludes optical and orthodontics where they have a separate annual limit and some other limit types.*

If you’ve been an ahm member in the past and are returning, note that any extras claims made this financial year may be deducted off your limits when re-joining.

If you changed to another extras product after 30 June 2025 any annual limit rollover would not apply to your new product.
*Limit rollover excludes: optical and orthodontics where they have a separate annual limit; pre and post-natal services and joint fluid replacement injection rolling year limits; orthodontics and laser eye surgery lifetime limits; hearing aid limits that reset every 3 financial years; and limits on the number of services allowed per financial year. Waiting periods apply.

Question 2

Which products are eligible for the annual limit rollover?

Accepted Answer

All extras products including extras only, packages and hospital and extras combinations are eligible for the annual limit rollover - regardless of your state, how many members you have on your policy and excess. As long as you have an extras product at 30 June 2025 with unclaimed extras annual limits that are eligible*, we’ll roll these over for you.

If you used up your family limits in the 2024/2025 financial year, individual unclaimed limits will not roll over, as the maximum policy limit had been claimed.
*Limit rollover excludes: optical and orthodontics where they have a separate annual limit; pre and post-natal services and joint fluid replacement injection rolling year limits; orthodontics and laser eye surgery lifetime limits; hearing aid limits that reset every 3 financial years; and limits on the number of services allowed per financial year. Waiting periods apply.

Question 3

I have received my rollover annual limit but I want to change my product, what will happen to my rollover limits?

Accepted Answer

Any annual limit rollover will be based on the ahm extras product you held on 30 June 2025. If you change to another extras product after this date, any annual limit rollover will not apply to your new product and you will have access to the standard annual limits on the new product, as per your product guide – keep in mind any benefits paid within the 2025/2026 financial year will be taken into account on your new product. However, if you only make changes to your hospital product or move to another state, this will not impact your annual limit rollover.

It’s important to know that any new members added to your policy after 30 June 2025 are not entitled to any annual limit rollover. If you remove members from your policy, they may also lose their annual limit rollover if they choose to take out a different product.

It’s important to know that any new members added to your policy after 30 June 2025 are not entitled to any annual limit rollover. If you remove members from your policy, they may also lose their annual limit rollover if they choose to take out a different product.

Question 4

What annual limits are rolling over and are there any exclusions?

Accepted Answer

If you, or any member on your membership had unclaimed annual limits from the 2024/2025 financial year, these have been rolled over into the new financial year. Excludes optical and orthodontics where they have a separate annual limit, pre and post-natal services and joint fluid replacement injections rolling year limits, laser eye surgery and orthodontics lifetime limits and hearing aid limits which reset every 3 financial years.

If your product has family limits, if you have used up your family limits in the 2024/2025 claiming year, your individual unclaimed annual limits will not roll over. Any unused annual limits from the 2023/2024 financial year that were previously rolled over into the 2024/2025 financial year will not be rolled over again.
To check your eligibility go to your product guide or log in to your account.

Question 5

If I’ve already used up my family limits, will my individual ‘per person’ annual limits still rollover?

Accepted Answer

No, if you have used up your family limits in the 2024/2025 claiming year, your individual unclaimed annual limits will not rollover.

Question 6

I'm on a product with loyalty rewards, am I eligible for the annual limit rollover and still get my loyalty rewards?

Accepted Answer

Yes, if you are on an extras product with loyalty rewards, you will still be entitled to your loyalty rewards and we will additionally roll over your eligible unclaimed annual limits. Excludes optical and orthodontics where they have a separate annual limit and some other limit types*.
To check what you could be eligible for, go to your product guide or log in to your account.
*Limit rollover excludes: optical and orthodontics where they have a separate annual limit; pre and post-natal services and joint fluid replacement injection rolling year limits; orthodontics and laser eye surgery lifetime limits; hearing aid limits that reset every 3 financial years; and limits on the number of services allowed per financial year. Waiting periods apply.

Question 7

How does this impact my waiting periods?

Accepted Answer

You won’t have to re-serve any additional waiting periods before you can claim any rolled over annual limits. However, if you are still in a waiting period, you will still need to serve the remainder of these before you can access the rolled over annual limits (including upgraded services). No benefits are payable for services received during a waiting period.

Question 8

How can I see what my annual limit rollover is?

Accepted Answer

To understand what has been rolled over, you will be able to view these by logging into your account. You may be able to see the annual limits for other members on your policy depending on your current privacy settings. If you don’t have an online account, you can register online.

Benefits are processed based on date of service, so any services received prior to 30 June 2025, will be deducted from your 2024/2025 annual limit.

Question 9

How long do I have to make a claim using my rolled over annual limit?

Accepted Answer

You can claim the rolled over annual limits for services received from 1 July 2025 up until 30 June 2026. Remember, you have up to 2 years from the date of service to make a claim. Benefits are processed based on the date of service, so any services received prior to 30 June 2025, will be deducted from your 2024/2025 annual limit.

Question 10

How will my claims work with both the annual limit and rolled over annual limit?

Accepted Answer

Claims for any services received between 1 July 2025 and 30 June 2026 will be deducted from your standard annual limit before being deducted from your rolled over annual limit. However, if you make a claim where the date of service is between 1 July 2024 and 30 June 2025, benefits will be deducted from your rolled over annual limit, as these are unclaimed limits from the previous financial year.

Question 11

What if I change my hospital product, will my rolled over annual limit be impacted?

Accepted Answer

If you are only making a change to your hospital product but maintained the same extras product that you held on 30 June 2025, your annual limit rollover will not be impacted. If you hold a hospital and extras product and decide to move to another hospital and extras product, you will lose your annual limit rollover.

Question 12

My policy is currently suspended, will my unclaimed annual limits still roll over?

Accepted Answer

If your extras policy was suspended on 30 June 2025, you will be eligible for your eligible unclaimed annual limits from the 2024/2025 financial year to roll over into the next financial year, as long as you resume on the same extras product before 30 June 2026. Remember, no benefits will be paid for treatment received while your policy is suspended.

Question 13

How can I make a claim for my rolled over limits?

Accepted Answer

You can make a claim just like you normally would for extras services! For most services, you can claim on-the-spot at your provider with your member card, by logging in to your account or via the ahm app.

Question 14

What’s the difference between a benefit and an annual limit?

Accepted Answer

A benefit is what ahm will pay towards the cost of an extras service that you receive, and the limit is the maximum amount in benefits that we can pay you towards that service (or group of services) for the financial year. So by rolling over your unclaimed annual limits, you’ll have more to use towards your extras services during the 2025/2026 financial year. The amount of the benefit we pay towards each service will remain the same.

Question 15

Why is optical and orthodontics excluded when it has a separate annual limit?

Accepted Answer

Our focus is to give back any unclaimed extras annual limits. With our 100% back benefit for optical and orthodontics on most of our products, most members who claim towards optical and orthodontics use their entire annual limit in one purchase given the cost of the service. Other services that will be rolling over such as physiotherapy and osteopathy may require a few visits before using up an annual limit, meaning members may need more time to use these unclaimed annual limits.

Question 16

What if I switch to ahm but I've already used up my extras limits?

Accepted Answer

If you take out an ahm extras product by 30 June 2025 and you've switched from another fund where you used up some or all of your extras limits, your extras limits will reset and you will be entitled to a new set of extras limits with ahm. This means that you will be able to roll over any unused eligible extras limits into the 2025/2026 financial year.

Question 17

Will you roll over my unused extras annual limits every year?

Accepted Answer

Unlike some of our other benefits, limit rollover isn’t a product feature, and is assessed yearly on a case-by-case basis, so we will continue to review whether we offer limit rollover each year.

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