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Cover me for:Price is for
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$- weekly

Add hospital cover to get 6 weeks free + no 2 & 6 month waits on extras. See terms
Add hospital cover to get 6 weeks free + no 2 & 6 month waits on extras. See terms

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60% back on extras. That’s extra nice.

60% back on included extras up to your annual limit

Emergency ambulance included
TAS and QLD residents are covered by their state schemes.

100% back on optical
Frames, prescription lenses and contact lenses included.

Add hospital cover
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Australian Government Rebate 25.934
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Lifetime Health Cover Loading 0%
Add hospital cover to get 6 weeks free + no 2 & 6 month waits on extras. See terms
Add hospital cover to get 6 weeks free + no 2 & 6 month waits on extras. See terms

You choose extras providers - not us

First, what exactly are extras providers? That’s just what we call the dentists, optometrists, chiropractors, physiotherapists and many other professionals who provide health services. Unlike some health insurers, we let you choose which providers you can claim your included extras from, as long as they are legally qualified to practise in Australia and have been recognised by ahm.


What’s covered

Service
Annual Limits
Per person
 Per familyWaiting Period

Routine dental

$650$13002 months

Complex dental

Major dental


$600(shared limit)$1200(shared limit)12 months

Physiotherapy

Chiropractic

Osteopathy


Maximum of 1 initial consultation per person per service.
$350(shared limit)$700(shared limit)2 months

Remedial massage

$200$4002 months

Optical

$200$4006 months

Emergency Ambulance

TAS and QLD residents are covered by their State schemes.
No limitNo limit1 day
Lifestyle is our most popular extras product, find out why 

About limits

A limit is the total amount you can claim back on extras. Limits are reset at the start of each financial year (1 July).

What is a Waiting Period?

This is a set amount of time you must wait before you can claim any money back for a service included in your cover.

A waiting period applies when you:

  • first join, or re-join after some time without health insurance
  • change to a higher level of cover
  • get cover for additional services or increase your limits.

If you switch to us from another private health insurer, we’ll generally recognise any waiting periods you’ve already served for comparable extras.

Make a nasty surprise less nasty

Add hospital cover to your extras and you’ll also add peace of mind.

See white lite hospital cover

30 day cooling off period

It’s OK if you change your mind. Just let us know within 30 days of joining and as long as you’ve made no claims we’ll refund your premiums.

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PHI code of conduct

Before buying any of our health insurance, it’s important that you read and understand the product information for the cover you have chosen. Read and retain a copy of the product guide for future reference.