Extras Cover

Like to look after yourself? Good on you. Extras health insurance is perfect for helping to pay towards the cost of things like routine dental check-ups, optical, physio, and other everyday health services.

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With ahm extras cover, you're good!

You choose who you use

With ahm, we don’t really have a 'limited network' of extras providers. You’ll get consistent benefits back for an included service at most recognised providers*, so you don’t have to switch from your usual physio or chiro!
*Except for no-gap dental check-ups where you need to visit selected dentists.

No-gap dental

With extras cover on eligible products, you could get up to 2 dental check-ups per financial year with no out-of-pocket costs at selected dentists, subject to annual limits and excluding specialists. Find out more

Emergency Ambulance cover sorted

Unlimited Emergency Ambulance cover is included on all of our extras only products, for extra peace of mind if you need to be taken to hospital in an emergency. A one day waiting period applies. Find out more

Hate to wait?

Depending on what level of extras cover you choose, some of our inclusions don’t have any waiting periods, which means we can start helping with the bill right away. For example, if our Lifestyle Extras cover suited your needs and you wanted to sign up, you wouldn’t have any waiting periods for routine dental, optical, physio, chiro, osteo, remedial massage, or psychology and counselling. Win.

Find extras cover that suits your needs

value extras

A broad range of services including dental, psychology, counselling, physio, chiro, plus 100% back on optical up to your annual limits.

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black 60

60% back on dental and therapies such as physio and remedial massage, plus 100% back on optical, up to annual limits.

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lifestyle extras

Dental including braces, plus optical and laser eye surgery. You’ll be loving life with plenty of extras goodness.

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*Price is for single cover in NSW paying weekly by direct debit. Price reduced by an Australian Government Rebate of 24.288% (based on an age of under 65 years old, single income of $101,000 or less per year).

Three different categories of Extras products

1. Percentage back (Black 50, 60, 70)

Refers to % of a provider charge you can claim (up to your limits). Easy maths! This might be best if you tend to visit your health provider a few times per year and want a bit more back each time (depending on the percentage back).

2. Set benefit back

You'll get a specific dollar amount back for your included services (up to your limits). This might be best if you need to claim straight away for certain services, as these extras products have no 2 & 6 month waiting periods.* This might be better for you if you tend to visit your health provider regularly over a longer period.

*12 month and 2 year waiting periods still apply for some services on these products. See product guides for more information.

3. Flexi limit

The most flexible, as the name suggests. Gives you greater choice and control over what you can claim for, with one total dollar amount to use across included extras you value the most. Available if you have packaged extras and hospital cover. More about flexi limits

More tips for getting the most out of your cover

Need hospital cover with that?

Browse hospital & extras

Billboard stating "Got questions? We’ve got the answers"

Common questions

You can claim straight away with no 2 & 6 months waiting periods on some of our products - this includes value, lifestyle, family and super extras. When comparing different insurance products, it's a good idea to check the waiting periods for certain inclusions (the waiting period is a set amount of time you must wait before you can claim for the cost of items, treatments or services that are included under your cover).

Also, if you switch to us within 30 days of leaving another private health insurer, we’ll generally recognise any waiting periods you’ve already served for comparable benefits.

Learn more about waiting periods

For most services, you can claim on-the-spot after your appointment, by scanning your ahm membership card (or virtual card in the app), if your recognised provider has a HICAPS machine. You’ll only need to pay the difference between the total amount charged by your recognised provider and any benefit we pay.

Alternatively, you can also pay the full price after the appointment, then log into your ahm account online afterwards, and make a claim that way.

More reasons to join

100% back on optical

Need some fresh specs? With eligible ahm extras cover, you’ll get 100% back on included optical services (up to your annual limits) on the cost of things like frames, repairs, prescription lenses and contacts. Waiting periods apply.

Claim on useful stuff

Depending on your ahm extras cover, you can also claim on useful stuff like Cancer Council UV products, custom made mouthguards, stress management courses and orthotics and orthopaedic footwear.

Get more out of your extras