The important stuff about your extras cover
Because you've got extras cover with ahm, we’ll help with bills for things like routine dental check-ups, chiro and physio.
The types of services included on your extras cover depend on the level of cover you've got. Generally, the higher the level of cover, the more services you can claim benefits towards.
It's easy to find the benefit back amount for common items. Just click the name of the service you're interested in.
If the item you're looking for isn't shown here, you can check the benefit back calculator. You can also find this tool under Overview > Benefit back calculator.
Most extras services are subject to annual limits, which is the maximum amount of benefit that you can claim towards that service in each financial year. In some cases, like orthodontics, a lifetime limit will apply. Make note of the annual limits and other limits for your extras cover to make sure you've got all the info.
And remember that all extras limits are per financial year, not calendar year.
Your remaining individual annual limits are shown as a purple bar when you log in.
More people on your cover?
It's easy to check the remaining limits for other policy members.
Click on the name section to see limits for each person on your cover.
If you've purchased extras cover for the whole family, the way your annual limits work will depend on the cover you chose. A family limit is the total amount that can be claimed by all members on your cover. Family limits are only on certain extras products, but it's simple to check if you've got them.
If your cover has family limits, these are shown underneath the purple limits bar.
A waiting period is the amount of time you have to wait before we can help with the cost of items and services included under your cover. If you get any treatments or services during a waiting period, we won't be able to help out with the costs. It's easy to find out your extras waiting periods when you log in.
Services that don't have any waits remaining are shown in this section with a purple limit bar.
Services that have a waiting period are shown in this section with a black limit bar.
Note: Members on Black 70 Boost will need to check your waiting periods by using the waiting period tool.
Switched from another fund?
We might be waiting for your old fund to send us some of your info. This can take up to 21 days, and once we receive it, we’ll honour any equivalent waiting periods you served for services on your old cover. Some waiting periods may apply if your old cover was at a lower level or didn’t include services which are included on your new cover.
For more info, live chat with us or call 13 42 46 weekdays, 8am – 7pm (AEST/AEDT).