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Cover me for:Price is for
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Extras cover

Natural therapies

17 different therapies you can claim on.

Claim straight away on most extras

like optical and routine dental.

No gap dental check-ups

Available at select dentists.

lifestyle extras
Australian Government Rebate 25.934%

What’s included

Annual limits
Per person
 Per familyWaiting period

Routine dental


Complex dental

$600$120012 months

Major dental

$750$150012 months


(Lifetime limit applies)
$600No limit12 months



Laser eye surgery

(Lifetime limit applies)
$600(per eye)No limit2 years


Maximum of 1 initial consultation per person per service.


Maximum of 1 initial consultation per person per service.


Maximum of 1 initial consultation per person per service.

Natural therapies




Health improvement


Psychology and hypnotherapy


Diet and nutrition


Emergency Ambulance

TAS and QLD residents are covered by their State schemes.
No limitNo limit1 day
Lose the family limits with family 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 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.

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