Good news! We’re giving eligible members a whole lot of extra time to use some of their unused extras annual limits... a whole financial year extra in fact. How good!

At ahm, extras annual limits normally reset on 1 July and unused limits expire. This year, we’re rolling over most remaining extras annual limits from the 2025/2026 financial year to use in the next financial year for members who hold ahm super extras cover or an extras cover with a flexi limit^ on 30 June 2026, how good! This excludes optical and orthodontics where they have a separate annual limit and some other limit types (see below*).

Are you on extras that is not super extras or an extras cover with a flexi limit? Click here to find out details about your routine dental limit rollover here instead.

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

Hold ahm super extras cover or an extras cover with a flexi limit^ on 30 June 2026.
Have unused eligible 2025/2026 financial year extras annual limits. 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 another extras cover after 30 June 2026, any limit rollover will not rollover to your new extras cover.

Please note: 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 annual limits when re-joining.

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

How it works:

Your limit rollover for eligible services will be based on your super extras or flexi limit extras cover at 30 June 2026, and you’ll be able to claim the limit rollover for extras services received from 1 July 2026 up until 30 June 2027 once you’ve used up your annual limits on your extras cover for the new financial year.
If you haven’t served your applicable waiting periods, you’ll still need to serve these before you can claim for those services as well as the limit rollover.
Remember, it’s only the eligible unused annual limits from the 2025/2026 financial year that are rolling over. So the 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.

*Limit rollover excludes: optical and orthodontics where they have a separate annual limit; pre and post-natal services and joint fluid replacement injection rolling year limits; orthodontics and laser eye surgery lifetime limits; hearing aid limits that reset every 3 financial years. Service limits continue to apply. Waiting periods apply.

^ Flexi limit covers include access flexi basic, starter flexi/package basic, essentials flexi/package basic plus, lite 50/60 basic plus, lite flexi/package bronze plus, boost flexi/package basic plus, standard cover silver plus, classic flexi/package silver plus, deluxe flexi/package silver plus, flex 50/60.

Common questions

Who is eligible for the extras annual limit rollover?

To be eligible for the limit rollover, you must hold a super extras or a flexi limit extras^ cover on 30 June 2026 and remain on the same extras cover on and after 1 July 2026 after the annual limits have rolled over.

Any unused annual limits from the 2025/2026 financial year for existing ahm extras customers will be rolled over into the new financial year (except for any unused annual limits rolled over from the 2024/2025 financial year).

Excludes optical and orthodontics where they have a separate annual limit and some other limit types.*

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 annual limits when re-joining.

If you change to another extras cover after 30 June 2026 any limit rollover will not apply to your new extras cover.

Which cover types are eligible for the limit rollover?

Super extras and flexi limit covers are eligible for the limit rollover - regardless of your state, how many members you have on your policy and excess. As long as you have one of these extras covers with us on 30 June 2026 with unused extras annual limits that are eligible*, we’ll roll these over for you.

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

Any limit rollover will be based on either your super extras or flexi limit extras cover that you held on 30 June 2026. If you change to another extras cover after this date, any limit rollover will not apply to your new extras cover and you will only 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 limit rollover.

It’s important to know that any new members added to your policy after 30 June 2026 are not entitled to any 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 annual limits from the 2025/2026 financial year, these will roll over into the new financial year. Excludes optical and orthodontics where they have a separate annual limit, pre and post-natal services and joint fluid replacement injections rolling year limits, laser eye surgery and orthodontics lifetime limits and hearing aid limits which reset every 3 financial years.

The same limits on how many services you can use each year will continue to apply. Service limits will not increase next financial year even if you didn't use the services in this financial year.

To check your eligibility go to your product guide or log in to your account.

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

No, if you have used up your family annual limits in the 2025/2026 claiming year, your individual unused annual limits will not rollover.

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

Yes, if you are on an extras product with loyalty rewards, you will still be entitled to your loyalty rewards and we will additionally roll over your eligible unclaimed annual limits. Excludes optical and orthodontics where they have a separate annual limit and some other limit types*.

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 any rolled over annual limits. However, if you are still in a waiting period, you will still need to serve the remainder of these before you can access the rolled over annual limits (including upgrades to an extras cover with higher limits). No benefits are payable for services received during a waiting period.

How can I see what my 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 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 rolled over limit?

You can claim the rolled over annual limits 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 annual limit before being deducted from your rolled over 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 rolled over annual limit be impacted?

If you are only making a change to your hospital cover but maintain either your super extras or flexi limit extras cover that you held on 30 June 2026, your limit rollover will not be impacted. If you decide to move to another hospital and extras cover, you will lose your limit rollover.

My policy is currently suspended, will my unused annual limits still roll over?

If your super extras or flexi limit extras cover was suspended on 30 June 2026, you will be eligible for your eligible unused 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 rolled over limits?

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 unused annual limits, you’ll have more to use towards your extras services during the 2026/2027 financial year. The amount of the benefit we pay towards each service will remain the same.

Why is optical and orthodontics excluded when it has a separate annual limit?

Our focus is to give back any unused extras annual limits. With our 100% back optical and orthodontics benefit on most of our products, most members who claim towards optical and orthodontics use their entire annual limit in one purchase, but other services like physiotherapy and osteopathy may require a few visits before using up an annual limit, meaning members may need more time to use these unused annual limits.

Will you roll over my unused extras annual limits every year?

Unlike some of our other benefits, limits 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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