Our top 5 tips for making the most of extras cover

After you've served any waiting periods, it's time to start using your extras cover. Depending on your type of cover, you'll have either one amount to use across all your included extras or an amount you can claim for each type of service. These amounts are your annual limits.

To help you get started, here are some top tips on making the most of your extras cover.

1. Check what you can claim

Everyone knows about the big three (dental, physio and osteo), but your extras cover may also include things like 100% back on optical, plus natural therapies like remedial massage and acupuncture.

To find out what's included in your extras cover, check out our product guides or log in to your account.

2. Use them before you lose them

Your annual extras limits reset every 1 July. So when it's getting close to 30 June (or any time really), log in to your account and check if you've got any unused benefit amounts you can still claim. You might get a pleasant surprise!

3. You might be able to claim in more places than you think

Don't want to break up with your physio, optometrist, or other extras provider you've grown fond of? Unlike some health insurers, we'll pay the same benefits at most 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. If you’re looking for a new provider, try our find a provider tool.

We've also partnered with select dentists to give you up to 2 dental check-ups per financial year with no out of pocket cost on eligible packages and extras only products. Find out more.

4. Think about which extras you're likely to use

Sounds a bit obvious, but it's important. If you're likely to only use one or two services (e.g. just physio or dental) then a flexi limit is a good option. Our black+white flexi packages give you one lump sum to use on one, or all of your included extras* plus a separate optical limit*. Which really means... if you want to spend more time at the dentist, who are we to stop you?

5. Make friends with our benefit calculator

Before you head off to your favourite provider, log in to your account and use the beneift calculator to get an idea of what you'll get back on an extras claim.

Log in