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family extras

This one’s all about family – yours.

From braces to speech therapy; Extras cover for families

More on dental from check-ups to major dental

Claim straight away on most extras such as Optical & Routine dental

loyalty rewards

Get more the longer you stay with us

Add hospital cover
family extras
Australian Government Rebate 25.934
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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
Waiting Period

Routine dental

$500None

Complex dental

$60012 months

Major dental

$75012 months

Orthodontics

(Lifetime limit applies)
$70012 months

Optical

$220None

Physiotherapy

$300None

Chiropractic

$300None

Osteopathy

$300None

Natural therapies

$300None

Pharmacy

$350None

Health improvement

$250None

Diet & nutrition

$250None

Psychology & hypnotherapy

$250None

Speech therapy

$250None

Occupational therapy

$250None

Eye therapy

$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).

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.

Loyalty rewards

Get more the longer you stay with us

family extras offers loyalty limits. Your annual claiming limit for some services will increase after you’ve been with us for 5, 10 and 20 continuous financial years. See your product guide for more information.

Be prepared for growing families

Why not combine family extras with top hospital.

See top 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.