17 different therapies you can claim on.
No 2 or 6 month waiting periods
on included extras.
No gap dental check-ups
Available at select dentists.
Annual limitsPer person
|Per family||Waiting period|
Orthodontics(Lifetime limit applies)
|$600||No limit||12 months|
Laser eye surgery(Lifetime limit applies)
|$600(per eye)||No limit||2 years|
PhysiotherapyMaximum of 1 initial consultation per person per service.
ChiropracticMaximum of 1 initial consultation per person per service.
OsteopathyMaximum of 1 initial consultation per person per service.
Maximum of 1 initial consultation per person per service.
|$250(shared limit)||$500(shared limit)||None|
Diet and nutrition
Emergency AmbulanceTAS and QLD residents are covered by their State schemes.
|No limit||No limit||1 day|
A limit is the total amount you can claim back on extras. Limits are reset at the start of each financial year (1 July) unless it is a lifetime limit.
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.
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’ll pay the same benefits at all extras providers, as long as they are legally qualified to practise in Australia and have been recognised by ahm. So you choose your provider, not us.
No gap dental check-ups
We’ve struck a great deal with a number of dentists to offer you 100% back on dental check-ups.
Just a heads up, claims paid for dental check-ups come off your annual limit for routine dental which resets every financial year (1 July).Find a participating dentist
The top 3 reasons people get hospital cover:
- Choose your own doctor or specialist
- Helps you skip the queue for non-emergency treatments in a hospital
- Get more choice on which hospital you go to
Great reasons to join
On lifestyle extras you get more the longer you stay with us. Your annual claiming limit for some services will increase after you’ve been with us for 5, 10 and 20 continuous financial years. See the product guide for more information.
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.
Before buying any of our health insurance, it’s important that you read and understand the product information for the cover you have chosen. We recommend you keep a copy of the product guide for future reference.