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Claim your extras benefits before they reset


Are you with one of the five funds whose annual limits reset in 10 days?

As the end of financial year looms and you're trying to make sure everything is in order for your taxes, health insurance might be on your mind. While this is probably in regards to either the Lifetime Health Cover (LHC) loading or the private health insurance rebate, one health insurance related item is often overlooked: your extras annual benefits.

While annual benefits for most funds in Australia reset with the new year, there are a baker's handful (not a thing but go with it) whose benefits either end on 30 June or reset on your policy's anniversary. So if you have extras cover through any of the following, now is a good time to go out and use those benefits before they reset on 1 July:

FundWhen extras resetFind out more about fund
1 July
1 July
1 July
1 July
1 July

Queensland Country Health Fund is the lone fund whose benefits reset on the anniversary of your policy.

If you are with one of these funds and are considering switching, now is a good time to make sure you've used all your benefits up before making the switch. This way you'll be "doubling down" on the amount you can claim on your extras treatments during 2019. Not only that, June is a great time to be looking for cover.

The end of financial year is one of the busiest times for health funds, with 30 June being the cut-off for those who've turned 31 in the last year to take out cover or get slugged with LHC when they take out health insurance in the future.

Because of this, many health funds try to win potential members with the promise of waived waiting periods, gift cards, free months of cover and more. If you are in the market for health insurance and are looking for something to sweeten the deal, we've found 24 EOFY health insurance deals available in 2019.

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