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Dollar Saver Tip #5


Save: $400

Tip overview:

Don't have extras insurance?

That's okay, I don't either (and I'm the senior writer for insurance). If you don't use it regularly and you're relatively healthy, it's often not particularly good value.

Instead, what I do is this. When I reckon I'm due a dental check-up, I take out one of ahm's no waiting period extras policies. In most cases, I opt for the $13 per week lifestyle extras policy and I cancel it 4-6 weeks later, once I've made use of my claims.

This lets me claim benefits for a bunch of services straight away such as general dental, optical, physio and remedial massages.

Did you know?

It's often cheaper to take out hospital and extras cover with 2 separate funds.

Once you've taken out a policy, book a no-gap dental check-up with one of ahm's participating providers – this is usually Pacific Smiles. That way, the check-up won't cost you a penny (so long as you're able to avoid the x-rays).

That's already around $200 worth of savings. If you feel like getting even more value for your money, you could also get:

  • $200 towards optical with a new pair of specs
  • $31 off a remedial massage
  • $42 off physio, chiro or osteo
  • $71 off a psychology consultation

That adds up to just over $500 in savings – pretty good value when you consider it's only $13 a week or $56 a month for a policy. You can cancel at any time, so an outlay of just over $100 for 2 months could deliver $500+ in services.

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