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lifestyle extras

Extras cover for a healthier lifestyle.

It’s our most popular extras cover

17 Alternative & complementary therapies on offer

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

loyalty rewards

Get more the longer you stay with us

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lifestyle 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
 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

$350$875None

Chiropractic

$350$875None

Osteopathy

$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).

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

lifestyle 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.

Cover for the things you might need

Why not combine lifestyle extras with white starter hospital.

See white starter 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.