Good news – eligible members have a whole lot of extra time to use their unused routine dental extras annual limits... a whole financial year extra in fact. Yay!

At ahm, extras annual limits normally reset on 1 July and unused limits expire. This year, we’re rolling over any unused routine dental annual limits from the 2025/2026 financial year for members who hold an extras cover with us on 30 June 2026 to use in the next financial year, how good!

Are you on super extras or have an extras cover with a flexi limit? Click here to find out details about your rollover here instead.

To be eligible for the extras annual limit rollover, you need to:

Hold an ahm extras cover (including extras only, hospital & extras combinations and packages) on 30 June 2026.
Have unused 2025/2026 financial year routine dental annual limits remaining. Any unused annual limits from the 2024/2025 financial year that were previously rolled over into the 2025/2026 financial year will not be rolled over again.
Maintain the same extras cover that you held on 30 June 2026. If you change to a different extras cover after 30 June 2026, your routine dental limit rollover will not rollover to your new extras cover.

Please note: If your cover has service limits (e.g. 2 dental check-ups per year), these will continue to apply. If you’ve been an ahm member in the past and are returning, any extras claims made this financial year may be deducted off your limits when re-joining.

Your product guide and your online account outline the usual annual limits available on your extras cover. You can log in to your account at any time to check out your available limits.

How it works:

Your routine dental limit rollover will be based on your extras cover as at 30 June 2026, and you’ll be able to claim the limit rollover on routine dental services received from 1 July 2026 up until 30 June 2027 once you’ve used up your standard routine dental annual limit on your extras cover in the new financial year.
Where routine dental is part of a shared limit, all eligible services within that limit will roll over.
If you haven’t served your applicable waiting periods for routine dental limit, you’ll still need to serve these before you can claim for routine dental services as well as the limit rollover.
If your cover has service limits (e.g. 2 dental check-ups per year), these will continue to apply. Service limits will not increase next financial year even if you didn't use the services in this financial year.
Remember, it’s only the eligible unused routine dental annual limits from the 2025/2026 financial year that are rolling over. So any annual limits from the 2024/2025 financial year that were previously rolled over into the 2025/2026 financial year won’t be rolled over again.

Common questions

Who is eligible for the routine dental limit rollover?

To be eligible for the routine dental limit rollover, you must hold an ahm extras cover on 30 June 2026 and remain on the same extras cover on and after 1 July 2026 after the limits have rolled over. Any unused routine dental annual limits from the 2025/2026 financial year will rollover into the new 2026/2027 financial year. Any rollovers from previous years will not rollover again. Plus, if your cover has service limits (e.g. 2 dental check-ups per year), these will continue to apply.

Where routine dental is part of a shared limit, all services within that limit will roll over.

If you’ve been an ahm member in the past and are returning, note that any extras claims made this 2025/2026 financial year may be deducted off your limits when re-joining. If you change to another extras cover after 30 June 2026 any annual limit rollover will not apply to your new extras cover.

Which products are eligible for the routine dental limit rollover?

All extras covers including extras only, packages and hospital and extras combinations are eligible for the routine dental limit rollover - regardless of your state, how many members you have on your policy and excess. As long as you have an extras cover at 30 June 2026 with unused routine dental annual limits, we’ll roll these over for you.

If you used up your family limits in the 2025/2026 financial year, individual unused limits will not roll over, as the maximum policy limit had been claimed.

I have received my routine dental limit rollover but I want to change my extras cover, what will happen to my rollover limits?

Any eligible routine dental annual limit rollover will be based on the ahm extras cover you held on 30 June 2026. If you change to another extras cover after this date, any eligible annual limit rollover will not apply to your new extras cover and you will have access to the standard annual limits on the new extras cover, as per your product guide – keep in mind any benefits paid within the 2026/2027 financial year will be taken into account on your new extras cover. However, if you only make changes to your hospital cover or move to another state, this will not impact your annual limit rollover.

It’s important to know that any new members added to your policy after 30 June 2026 are not entitled to any annual limit rollover. If you remove members from your policy, they may also lose their limit rollover if they choose to take out a different extras cover.

What annual limits are rolling over and are there any exclusions?

 If you, or any member on your membership has unused routine dental annual limits from the 2025/2026 financial year as at 30 June 2026, these will roll over into the new financial year. For members where routine dental is a shared limit,
all services that share this limit will also rollover.

If your cover has service limits (e.g. 2 dental check-ups per year), these will continue to apply. Service limits will not increase next financial year even if you didn't use the services in this financial year.

If your extras cover has family limits and you have used up your routine dental family limit in the 2025/2026 claiming year, your individual unused routine dental limits will not roll over.

Any unused annual limits from the 2024/2025 financial year that were previously rolled over into the 2025/2026 financial year will not be rolled over again.

To check your routine dental limits, go to your product guide or log in to your account.

If I’ve already used up my family limits, will my individual ‘per person’ annual limits still rollover?

No, if you have used up your routine dental family limit in the 2025/2026 claiming year, your individual unused routine dental annual limits will not rollover, as the maximum policy limit will have been claimed.

I'm on a extras cover with loyalty rewards, am I eligible for the annual routine dental annual limit rollover and still get my loyalty rewards?

Yes, if you are on an extras cover with loyalty rewards, you will still be entitled to your loyalty rewards and we will additionally roll over your unused routine dental annual limits. Where routine dental is part of a shared limit, all services within that shared limit will also roll over.

To check what you could be eligible for, go to your product guide or log in to your account.

How does this impact my waiting periods?

You won’t have to re-serve any additional waiting periods before you can claim your routine dental limit rollover. However, if you are still in a waiting period for your routine dental limit, you will still need to serve the remainder of this before you can access your rolled over annual limit (including upgrades to an extras cover with higher routine dental annual limits). No benefits are payable for services received during a waiting period.

How can I see what my routine dental annual limit rollover is?

To understand what has been rolled over, you will be able to view these by logging into your account from 1 July 2026. You may be able to see the routine dental annual limits for other members on your policy depending on your current privacy settings. If you don’t have an online account, you can register online.

Benefits are processed based on date of service, so any services received prior to 30 June 2026 will be deducted from your 2025/2026 annual limit.

How long do I have to make a claim using my routine dental limit rollover?

You can claim your routine dental limit rollover for services received from 1 July 2026 up until 30 June 2027. Remember, you have up to 2 years from the date of service to make a claim. Benefits are processed based on date of service, so any services received between 1 July 2026 and 30 June 2027 will be deducted from your standard 2026/2027 annual limit and when exhausted, from your rolled over annual limit.

How will my claims work with both the annual limit and rolled over annual limit?

Claims for any services received between 1 July 2026 and 30 June 2027 will be deducted from your standard routine dental annual limit before being deducted from your eligible rolled over routine dental annual limit. However, if you make a claim where the date of service is between 1 July 2025 and 30 June 2026, benefits will be deducted from your rolled over annual limit, as these are unused limits from the previous financial year.

What if I change my hospital product, will my routine dental annual limit rollover be impacted?

If you are only making a change to your hospital cover but maintain the same extras cover that you held on 30 June 2026, your routine dental limit rollover will not be impacted. If you hold a hospital and extras cover and decide to move to another hospital and extras cover, you will lose your annual limit rollover.

My policy is currently suspended, will my unused routine dental limit still roll over?

If your extras policy was suspended on 30 June 2026, you will be eligible for your unused routine dental annual limits from the 2025/2026 financial year to roll over into the new financial year, as long as you resume on the same extras cover before 30 June 2027. Remember, no benefits will be paid for treatment received while your policy is suspended.

How can I make a claim for my routine dental limit rollover?

You can make a claim just like you normally would for extras services! For most services, you can claim on-the-spot at your provider with your member card, by logging in to your account or via the ahm app.

What’s the difference between a benefit and an annual limit?

A benefit is what ahm will pay towards the cost of an extras service that you receive, and the limit is the maximum amount in benefits that we can pay you towards that service (or group of services) for the financial year. So by rolling over your eligible unused routine dental annual limits, you’ll have more to use towards your routine dental services during the 2026/2027 financial year. The benefit amount we pay towards each routine dental service will remain the same.

Routine dental on my cover has a shared limit, will all services on this limit rollover?

Yes, where routine dental is part of a shared limit, all services within that shared limit will roll over.

To check your routine dental limits, go to your product guide or log in to your account.

Will you roll over my unused routine dental annual limits every year?

Unlike some of our other benefits, limit rollover isn’t a permanent feature of our extras cover and there is no guarantee your limits will be rolled over next year. It will continue to be assessed on a year-by-year basis.

Common questions

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