Extras benefits reset on 3 different dates: January 1st, July 1st, or the anniversary of your policy start date. This table lists the dates that each fund uses, as of April 2024.
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| Response | |
|---|---|
| Yes | 55.79% |
| Somewhat | 38.22% |
| No | 5.98% |
There are a few other extras cover limits you should be aware of.
Annual limits usually apply to a wide range of general treatments included in extras cover, such as:
However, there are certain parts of extras cover to which annual limits don’t usually apply, for example ambulance cover.
"I've found that my go-to health providers are always busiest in the two months leading up to the time that extras benefits reset (Nov-Dec and May-Jun). So I don't miss out on making my claims before my extras reset, I make sure to plan ahead and book my appointments outside of these busy periods, particularly for my optom and dental visits. I find it easy to avoid these busy periods by pre-booking my next appointment in advance when I go for my check-up. I can then reschedule my appointment if needed once I've been sent a reminder to confirm attendance. "
When comparing extras cover, it’s important to be aware that sub-limits and combined annual limits may also apply. While your policy may have an annual limit of $1,000 for general dental services, there may also be a sub-limit that sets the maximum amount you can claim for a specific dental treatment, for example a routine checkup or a basic extraction. This sub-limit is subtracted from the larger annual limit.
However, combined annual limits may also apply. For example, your policy may provide up to $300 cover for each of the following services: physiotherapy, chiropractic treatment and osteopathy. However, those services may also be grouped together into one category with a combined annual benefit limit of $750 – so the maximum yearly amount you can claim for all the physio, chiro and osteo services you receive is $750.
While COVID-19 vaccinations are free in Australia, other vaccines with out-of-pocket costs can be covered by private health insurance with some extras policies.
Get discounts on your chiropractic treatment with private extras cover.
Ensure your health insurance includes psychological wellbeing services when comparing cover.
Remedial massage can help ease pain from general wear and tear as well as specific injuries. This treatment isn’t covered by Medicare but is included in private health insurance extras cover. Find out how private health insurance can cover you for remedial massage therapy.
Does insurance cover acupuncture? Find out here.
How can you make a claim for prescription medication on your private health insurance policy? Find out in this comprehensive guide.
Physiotherapy services can be beneficial at any life stage, so it could be worth considering and comparing extras health insurance that can cover the cost of this type of treatment.
If you're wondering what pharmaceutical costs are covered by private health insurance, we've got a guide to health cover for non-PBS pharmaceuticals here.
A guide to extras benefits for hearing aids.
This guide takes a look at private health insurance in relation to gym membership and other health-related services.
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