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.
Waiting periods apply to extras. No benefits are payable for services received during a waiting period. If switching cover, any waiting periods you’ve already served for comparable extras will generally be recognised if you commence your new cover within 30 days of leaving your previous policy. Your limits may be reduced by any benefit amounts you have previously received for a particular service.
Any annual limit rollover will be based on the ahm extras product you hold on 30 June 2023. To be eligible for the annual limit rollover, you must hold an ahm extras product on 30 June 2023 and remain on the same extras product when the annual limits roll over on 1 July 2023. If you change to another extras product after 30 June 2023, any annual limit rollover will not apply to your new product.
Any unclaimed annual limits from the 2022/2023 financial year for existing ahm extras customers will be rolled over into the new financial year. Not applicable to any new members added to your policy after 30 June 2023. 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.
All extras products including extras only, packages and hospital and extras combinations are eligible for the limit rollover.
You can claim the rolled over annual limits for services received from 1 July 2022 up until 30 June 2023. You have up to 2 years from the date of service to make a claim.