What is extras cover?

Help with the bill for things like routine dental check-ups, chiro and physio.

What do most people use extras cover for?

These are the most popular things our members claim for, but they aren’t all included in every type of ahm extras cover.

Routine dental

For example, x-rays, cleans and regular consults with your dentist. Nothing crazy, but still super important.

Optical

Need some new prescription glasses or contact lenses?

Remedial massage

Treatment of the body, typically in the form of massage, to assist in rehabilitation, pain and injury management.

Physio

Consults as well as group or class sessions for hydrotherapy, clinical Pilates treatment, antenatal exercise and rehabilitation.

Osteo

Osteopathy involves stretching and the manipulation of bones and muscles.

Chiro

Manipulation or adjustment of the spine and the diagnosis and management of spinal health related problems.

See all extras

How it works

1 Choose it

We have a range of different types of extras health cover to suit different needs and budget, so you can find the best extras cover for you.

View our range of extras.

2 Use it

Visit your dentist, physio or other recognised extras provider when your waiting periods are over and start using your health insurance extras to claim.

3 Split the bill

You’ll have a card from us so we can work out the difference you’ll need to pay (if any) right away. You can’t use Medicare and your insurance on the same bill. Annual limits apply (see FAQs below).

4 Save the bill

If your provider can’t process your claim on the spot, just keep your receipt so you can submit it yourself on our app, website or over email.

The money can go into your nominated bank account either way.

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Common questions

Most extras services are subject to annual limits. This is the maximum amount you can claim for services included in your cover every financial year that you’re with us.

If you’ve had cover previously, the benefits that have been paid under your previous cover will be taken into account in determining how much of your annual limits you’ll have left in your new ahm cover.

Tell me more about annual limits

The dentists, optometrists, chiropractors, physiotherapists or other professionals who provide allied health services are referred to as providers. Learn more about physio, chiro and osteo cover.

We have no 'network' of providers that our members can use. That means you can see anyone as long as they’re recognised by ahm. So you most likely won’t have to travel across town to go to a certain physio - you can go where it suits you. The more comprehensive your cover the more we can help with the bill, as long as you choose to see a recognised provider.

If you want specifics on providers check out our member guide.

And you can use this tool to find which providers are closest to you.

Check out our full range of extras cover

We’ve got a range of extras cover based on your needs.

Find extras cover

Find extras and hospital cover that suits your needs

Want both? We’ve got a range of extras and hospital cover options.

Find cover