Good news – eligible members have a whole lot of extra time to use their unclaimed 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 most remaining extras annual limits from the 2024/2025 financial year for members who hold an extras product with us on 30 June 2025 to use in the next financial year, how good! This excludes optical and orthodontics where they have a separate annual limit and some other limit types (see below*).
To be eligible for the extras annual limit rollover, you need to:
- Hold an ahm extras product on 30 June 2025.
- Have unclaimed 2024/2025 financial year extras annual limits. Any unused annual limits from the 2023/2024 financial year that were previously rolled over into the 2024/2025 financial year will not be rolled over again.
- If you’ve been an ahm member in the past and are returning, note that any extras claims made this financial year may be deducted off your limits when re-joining.
- Maintain the same extras product that you held on 30 June 2025. If you change to another extras product after 30 June 2025, any annual limit rollover will no longer apply to your new product.
Your product guide and your online account outline the usual annual limits available for your product. You can log in to your account at any time to check out your available limits.
How it works:
- Any annual limit rollover for eligible services will be based on your extras product at 30 June 2025, and you’ll be able to claim the rolled over unclaimed annual limits for extras services received from 1 July 2025 up until 30 June 2026 once you’ve used up your annual limits on your product for the new financial year.
- If you haven’t served any waiting periods, you’ll still need to serve these before you can claim for those services.
- Remember, it’s only the eligible unused annual limits from the 2024/2025 financial year that are rolling over. So the annual limits from the 2023/2024 financial year that were previously rolled over into the 2024/2025 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; and limits on the number of services allowed per financial year. Waiting periods apply.
Common questions
To be eligible for the annual limit rollover, you must have held an ahm extras product on 30 June 2025 and remained on the same extras product as when the annual limits were rolled over.
Any unclaimed annual limits from the 2024/2025 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 2023/2024 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 financial year may be deducted off your limits when re-joining.
If you changed to another extras product after 30 June 2025 any annual limit rollover would not apply to your new product.
All extras products including extras only, packages and 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 an extras product at 30 June 2025 with unclaimed extras annual limits that are eligible*, we’ll roll these over for you.
If you used up your family limits in the 2024/2025 financial year, individual unclaimed limits will not roll over, as the maximum policy limit had been claimed.
Any annual limit rollover will be based on the ahm extras product you held on 30 June 2025. If you change to another extras product after this date, any annual limit rollover will not apply to your new product and you will have access to the standard annual limits on the new product, as per your product guide – keep in mind any benefits paid within the 2025/2026 financial year will be taken into account on 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 2025 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.
It’s important to know that any new members added to your policy after 30 June 2025 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.
If you, or any member on your membership had unclaimed annual limits from the 2024/2025 financial year, these have been rolled 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.
If your product has family limits, if you have used up your family limits in the 2024/2025 claiming year, your individual unclaimed annual limits will not roll over. Any unused annual limits from the 2023/2024 financial year that were previously rolled over into the 2024/2025 financial year will not be rolled over again.
If your product has family limits, if you have used up your family limits in the 2024/2025 claiming year, your individual unclaimed annual limits will not roll over. Any unused annual limits from the 2023/2024 financial year that were previously rolled over into the 2024/2025 financial year will not be rolled over again.
To check your eligibility go to your product guide or log in to your account.
No, if you have used up your family limits in the 2024/2025 claiming year, your individual unclaimed annual limits will not rollover.
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.
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.
To understand what has been rolled over, you will be able to view these by logging into your account. 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 2025, will be deducted from your 2024/2025 annual limit.
You can claim the rolled over annual limits for services received from 1 July 2025 up until 30 June 2026. 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 2025, will be deducted from your 2024/2025 annual limit.
Claims for any services received between 1 July 2025 and 30 June 2026 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 2024 and 30 June 2025, benefits will be deducted from your rolled over annual limit, as these are unclaimed limits from the previous financial year.
If you are only making a change to your hospital product but maintained the same extras product that you held on 30 June 2025, your annual limit rollover will not be impacted. If you hold a hospital and extras product and decide to move to another hospital and extras product, you will lose your annual limit rollover.
If your extras policy was suspended on 30 June 2025, you will be eligible for your eligible unclaimed annual limits from the 2024/2025 financial year to roll over into the new financial year, as long as you resume on the same extras product before 30 June 2026. Remember, no benefits will be paid for treatment received while your policy is suspended.
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.
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 unclaimed annual limits, you’ll have more to use towards your extras services during the 2025/2026 financial year. The amount of the benefit we pay towards each service will remain the same.
Our focus is to give back any unclaimed 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 unclaimed annual limits.
If you take out an ahm extras product by 30 June 2025 and you've switched from another fund where you used up some or all of your extras limits, your extras limits will reset and you will be entitled to a new set of extras limits with ahm. This means that you will be able to roll over any unused eligible extras limits into the 2025/2026 financial year.
Unlike some of our other benefits, limit rollover isn’t a product feature, and is assessed yearly on a case-by-case basis, so we will continue to review whether we offer limit rollover each year.