Here’s some good news. We’ve given eligible members a bit of extra time to use most of their unclaimed extras annual limits… a whole financial year extra in fact. Yay!
At ahm, extras annual limits normally reset each year on 1 July. So ordinarily, any unused extras annual limits would expire. Since the start of the pandemic, we've made a promise to pass on claims savings due to COVID-19 back to our members. So this year we’re rolling over most of the remaining extras annual limits from the 2022/2023 financial year to use in the next financial year, for members who held an extras product with us on 30 June 2023. How good!
Put simply, that means a whole lot of extra time to use these remaining annual limits. This excludes optical where it has a separate annual limit and some other limit types (see below *). To check what you could be eligible for, check out your product guide or log in to your account.
To be eligible for the extras annual limit rollover, you need to:
- Hold an ahm extras product on 30 June 2023.
- Have unclaimed extras annual limits from the 2022/2023 financial year. Any unused annual limits from the 2021/2022 financial year that were previously rolled over into the 2022/2023 financial year will not be rolled over again.
- Maintain the same extras product that you held on 30 June 2023. If you changed to another extras product after 30 June 2023, any annual limit rollover will no longer apply to your new product.
Any annual limit rollover will be based on your extras product at 30 June 2023, and you’ll be able to claim the rolled over unclaimed annual limits for extras services received from 1 July 2023 up until 30 June 2024 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 need to serve these before you can claim for those services.
*Limit rollover excludes: optical where it has 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.
Common questions
To be eligible for the annual limit rollover, you must have held an ahm extras product on 30 June 2023 and remained on the same extras product as when the annual limits were rolled over.
Any unclaimed annual limits from the 2022/2023 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 2021/2022 financial year). Excludes optical where it has a separate annual limit and some other limit types.*
If you changed to another extras product after 30 June 2023 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 2023 with unclaimed extras annual limits that are eligible*, we’ve rolled these over for you.
Any annual limit rollover will be based on the ahm extras product you held on 30 June 2023. 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 2023 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 any unclaimed annual limits from the 2022/2023 financial year, these have been rolled over into the new financial year. Excludes optical where it has a separate annual limit, 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.
Any unused annual limits from the 2021/2022 financial year that were previously rolled over into the 2022/23 financial year will not be rolled over again.
No, if you have used up your family limits in the 2022/2023 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 unclaimed annual limits. Excludes optical where it has a separate annual limit and some other limit types*.
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’ll 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 2023, will be deducted from your 2022/2023 annual limit.
You can claim the rolled over annual limits for services received from 1 July 2023 up until 30 June 2024. 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 2023, will be deducted from your 2022/2023 annual limit.
Claims for any services received between 1 July 2023 and 30 June 2024 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 2022 and 30 June 2023, 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 2023, 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 2023, you will be eligible for your unclaimed annual limits from the 2022/2023 financial year to roll over into the new financial year, as long as you resume on the same extras product before 30 June 2024. No benefits will be paid 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 2023/2024 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 benefit on most of our products, most members who claim towards optical 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.