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lifestyle extras

Extras cover for a healthier lifestyle.

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.

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lifestyle extras
Australian Government Rebate 25.934
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What’s included

Service
Annual limits
Per person
 Per familyWaiting period

Routine dental

$500$1000None

Complex dental

$600$120012 months

Major dental

$750$150012 months

Orthodontics

(Lifetime limit applies)
$600No limit12 months

Optical

$200$400None

Laser eye surgery

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

Physiotherapy

Maximum of 1 initial consultation per person per service.
$350$875None

Chiropractic

Maximum of 1 initial consultation per person per service.
$350$875None

Osteopathy

Maximum of 1 initial consultation per person per service.
$350$875None

Natural therapies

$400$800None

Pharmacy

$350$700None

Health improvement

$250$500None

Psychology & hypnotherapy

$250$500None

Diet & nutrition

$400$800None

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

Cover for the things you might need

Why not combine lifestyle extras with white starter hospital.

See white starter 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.

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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.