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Get a gift voucher worth up to $100 when you add hospital cover.

Offer ends 20 December 2017. More info

Get a gift voucher worth up to $100 when you
add hospital cover.

Offer ends 20 December 2017. More info

family

Extras cover

Holy molars?

Heaps of dental for the whole family.

Claim straight away on most extras

like optical and routine dental.

No gap dental check-ups

Available at select dentists.

family extras
Australian Government Rebate 25.934%
Lifetime Health Cover Loading 0%

What’s included

Service
Annual limits
Per person
Waiting period

Routine dental

$500None

Complex dental

$60012 months

Major dental

$75012 months

Orthodontics

(Lifetime limit applies)
$70012 months

Optical

$220None

Physiotherapy

Maximum of 1 initial consultation per person per service.
$300None

Chiropractic

Maximum of 1 initial consultation per person per service.
$300None

Osteopathy

Maximum of 1 initial consultation per person per service.
$300None

Natural therapies

$300None

Pharmacy

$350None

Health improvement

$250None

Diet & nutrition

$250None

Psychology & hypnotherapy

$250None

Speech therapy

Maximum of 1 initial consultation per person per service.
$250None

Occupational therapy

Maximum of 1 initial consultation per person per service.
$250None

Eye therapy

Maximum of 1 initial consultation per person per service.
$250None

Podiatry

$250None

Orthotics & orthopaedic shoes

$15012 months

Hearing aids

$1200(every 3y)12 months

Pre & post natal services & birthing courses

$250(per rolling year)None

Medical gases

$100012 months

Joint fluid replacement injections

$640(per rolling year)12 months

Travel & accommodation

$200None

Emergency Ambulance

TAS and QLD residents are covered by their State schemes.
No limit1 day
Get the best dental limits we offer with super extras 

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) 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.

Dental check-ups include only:
Periodic and comprehensive examination
Clean and polish or scale and clean
Fluoride treatment

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

Add hospital

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
See all hospital cover

Great reasons to join

Loyalty rewards

On family 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.

Need more info?
Product guide (pdf)
Not what you are looking for?
See all products
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. We recommend you keep a copy of the product guide for future reference.