Cover me for:Price is forcover inper
Score a gift card worth up to $100 when you add hospital to this extras cover.

Offer ends 16 November 2016. See the terms.

super extras

If you want the best extras cover we have to offer

Claim more back with our highest level of extras cover
our top cover

The best we have to offer

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

loyalty rewards

Get more the longer you stay with us

Add hospital cover
super extras
Australian Government Rebate 26.791

Lifetime Health Cover Loading 0%

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

Annual Limits
Per person
Waiting Period

Routine dental

No limitNone

Complex dental

$100012 months

Major dental

$110012 months


(Lifetime limit applies)
$90012 months



Laser Eye Surgery

(Lifetime limit applies)
$900(per eye)2 years







Alternative & complementary therapies




Health improvement


Diet & nutrition


Psychology & hypnotherapy


Speech therapy


Occupational therapy


Eye therapy






Orthotics & orthopaedic shoes

$20012 months

Hearing aids

$1600(every 3y)12 months

Pre & post natal services & birthing courses

$300(per rolling year)12 months

Medical gases

$120012 months

Joint fluid replacement injections

$640(every 3y)12 months

Travel & accommodation


Outpatient procedure room fees

$360(per procedure)None

Post-Operative & Medical Aids


Emergency Ambulance

TAS and QLD residents are covered by their State schemes.
No limit1 day

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

super 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.

Add hospital for comprehensive cover

Why not combine super 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.

Not what you are looking for?
See all your options
PHI code of conduct

*Price is for Single cover in NSW paying by direct debit and includes an Australian Government Rebate of 26.791%.

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.