We know it’s been hard to use some of your extras lately. So, we’re giving 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’re rolling over remaining extras annual limits from the 2019/2020 financial year for members who hold 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:
- Hold an ahm extras product on 30 June 2020
- Have unclaimed extras annual limits from the 2019/2020 financial year
- Maintain the same extras product that you held on 30 June 2020 until we apply the annual limit rollover to your policy. If you change to another extras product after 30 June 2020, any annual limit rollover will not apply to your new product.
We anticipate the annual limits rollover will be completed by 31 August. Any annual limit rollover will be based on the extras product you’re 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.
The other good news? You won’t have to do anything! We’re aiming to have these available for you to claim benefits by 31 August 2020. You’ll be able to view any rolled over annual limits by logging in online from 31 August 2020. It’s that simple.
So, don’t worry if you haven’t claimed your annual limits by 30 June 2020, you’ve got plenty of time now.
*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 hold an ahm extras product on 30 June 2020 and remain on the same extras product when the annual limits are rolled over.
Any unclaimed annual limits from the 2019/2020 financial year for existing ahm extras customers will be rolled over into the new financial year. Excludes optical annual limits and other limit types.* We anticipate this will be completed by 31 August.
If you change to another extras product after 30 June 2020 any annual limit rollover will 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 will roll 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 will be based on the ahm extras product that you hold 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 being added to your policy after 30 June 2020 will not be 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. However, any rolled over annual limits for existing members on the policy who are not being added or removed will not be impacted. Call us on 134 246 to find out more. We are available from 8am to 7pm, Monday to Friday.
What annual limits are rolling over and are there any exclusions?
If you, or any member on your membership has any unclaimed annual limits from the 2019/2020 financial year these may roll 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 what you could be eligible for, go to your product guide or login online.
When are my annual limits rolling over?
We're working hard to roll over any annual limits from the 2019/2020 financial year for eligible members as soon as possible and anticipate this will be completed by 31 August. Once applied, you’ll be able to use any rolled over annual limits on extras services received between 1 July 2020 and 30 June 2021 (standard waiting periods apply). The rollover annual limit is in addition to your usual annual limits that will kick-in on 1 July 2020.
If you have planned treatment taking place prior to your annual limits being rolled over, call us on 134 246 to discuss your individual circumstances. We are available from 8am to 7pm, Monday to Friday.
Can I start claiming my rollover annual limit as soon as they are available?
Yes, as soon as your annual limits have rolled over, you can begin to claim immediately (standard waiting periods apply). We aim to have it all sorted for you by 31 August, but remember, once applied, you’ll be able to use any rollover annual limits on extras services received between 1 July 2020 and 30 June 2021.
I'm on a product with loyalty rewards, would I still be 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 still roll 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 the waiting periods, as per the standard waiting period rules. No benefits are payable for services received during a waiting period.
How will I know what my annual limit rollover will be?
To understand what has been rolled over, you will be able to view these by logging into your online account after your annual limits have rolled over. If you don’t have an online account, you can register online. We anticipate to have your annual limits rolled over by 31 August.
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?
We aim to have your annual limits rolled over by 31 August. Although any unclaimed annual limits will be rolling over by 31 August, you can still claim the rolled over annual limits for dates of service from 1 July 2020 up until 30 June 2020. 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.
I want to combine my extras cover with my partner’s, what will happen to my rollover annual limit?
If you held an extras product as at 30 June 2020 and want to combine your policy with your partner’s, your rolled over annual limits will carry over as long as the extras product is the same. However, if you change to a different extras product, your rolled over annual limit will not carry over to your new extras product.
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.
*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.