Extras annual limits rollover – Help - ahm

We’ve given our eligible members a bit of extra time to use their unclaimed extras annual limits… a whole financial year extra in fact.

We understand that COVID-19 and the recent government restrictions may have impacted your access to some health services and made it difficult to use your extras. That’s why we’ve rolled over remaining extras annual limits from the 2019/2020 financial year for members who held an extras product with us on 30 June 2020.

Put simply, that means a whole lot of extra time to use these remaining annual limits. Excludes optical annual limits and other limit types.* To check what you could be eligible for, go to your product guide or login online.

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

Held an ahm extras product on 30 June 2020
Had unclaimed extras annual limits from the 2019/2020 financial year
Maintained the same extras product that you held on 30 June 2020 until we applied the annual limit rollover to your policy. If you changed to another extras product after 30 June 2020, any annual limit rollover will no longer apply to your new product.

Any annual limit rollover will be based on the extras product you were on at 30 June 2020. However, you’ll still be able to claim these rolled over annual limits for extras services received from 1 July 2020 up until 30 June 2021. Just remember to keep a copy of your receipt so you can submit your claim from 31 August. If you haven’t served any waiting periods, you’ll need to serve these before you can claim for some services.

*Limit rollover excludes: optical where it has a separate annual limit; pre and post-natal services and joint fluid replacement injections rolling year limits; orthodontics and laser eye surgery lifetime limits; and hearing aids limits that reset every 3 financial years.

Frequently asked questions

Who is eligible for the annual limit rollover?

To be eligible for the annual limit rollover, you must have held an ahm extras product on 30 June 2020 and remained on the same extras product when the annual limits were rolled over.

Any unclaimed annual limits from the 2019/2020 financial year for existing ahm extras customers have been rolled over into the new financial year. Excludes optical annual limits and other limit types.*

If you changed to another extras product after 30 June 2020 any annual limit rollover would not apply to your new product.

Which products are eligible for the annual limit rollover?

All extras products including extras only, packages and mix and match hospital and extras combinations are eligible for the annual limit rollover - regardless of your state, how many members you have on your policy and excess. As long as you have unclaimed extras annual limits that are eligible*, we’ve rolled these over for you.

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

Any annual limit rollover was based on the ahm extras product you held on 30 June 2020. If you change to another extras product after this date, any annual limit rollover will not apply to your new product. However, if you only make changes to your hospital product 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 2020 are not entitled to any annual limit rollover. If you remove members from your policy, they may also lose their annual limit rollover if they choose to take out a different product.

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

If you, or any member on your membership had any unclaimed annual limits from the 2019/2020 financial year these have been rolled over into the new financial year. Excludes optical annual limits, pre and post-natal services and joint fluid replacement injections rolling year limits, laser eye surgery and orthodontics lifetime limits (orthodontic annual limits will still rollover) and hearing aid limits which reset every 3 financial years.

To check your eligibility go to your product guide or login online.

I didn’t receive a family limit rollover, can I still claim my individual annual limit rollovers?

If you have family limits on your policy, you can only claim rolled over individual limits where there is a family limit rollover available. If you have had both an individual limit rollover and a family limit rollover, you can only claim your individual limit rollover up to the family limit rollover.

I'm on a product 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 rolled over your unclaimed annual limits. Excludes optical annual limits and other limit types*.

To check what you could be eligible for, go to your product guide or login online.

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 upgraded services). No benefits are payable for services received during a waiting period.

How will I know 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. 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 2020, will be deducted off your rolled over annual limit.

How long do I have to make a claim using my rolled over annual limit?

You can claim the rolled over annual limits for dates of services received from 1 July 2020 up until 30 June 2021. 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 prior to 30 June 2020, will be deducted off 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 2020 and 30 June 2021 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 2019 and 30 June 2020, benefits will be deducted from your rolled over annual limit, as these are unclaimed 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 product but maintain the same extras product that you held on 30 June 2020, your annual limit rollover will not be impacted.

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

If your extras policy is suspended on 30 June 2020, you will be eligible for your unclaimed annual limits from the 2019/2020 financial year to roll over into the new financial year, as long as you resume on the same extras product before 30 June 2021. No benefits will be paid while your policy is suspended.

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