Eek! 31 health insurance funds are about to reset extras: Will you miss out?
Key takeaways
- 31 of the 39 health funds reset extras limits on 1 January, including Medibank, Bupa, HCF, nib and HBF.
- Unused extras benefits don't normally roll over, so anything left in your dental, optical or physio limits disappears when they reset.
- What's next: Check your fund's app for what you have left, then book appointments before the end-of-year rush.
Fun fact about me: I take over an hour to finish an iced matcha latte — ask anyone in my team, and they'll confirm I'm a steady sipper, not a chaotic chugger.
Why? It all comes down to getting my money's worth. If I'm spending over $9 on a beverage, I want to make it worth my while.
The reason I'm sharing this trivia is because there's less than 8 weeks left of the 2026, and if you've got an extras policy, it's time for you to make your matcha worth it (so to speak).
More than 30 health funds reset their extras benefits on January 1, and unused benefits you've technically already paid for won't roll over.
Which funds reset benefits on Jan 1?
| Health fund | Extras reset date |
|---|---|
| ACA | 1 January |
| APIA | 1 January |
| Australian Unity | 1 January |
| Bupa | 1 January |
| CBHS Health Fund | 1 January |
| Doctors' Health Fund | 1 January |
| Emergency Services Health | 1 January |
| Frank | 1 January |
| GMHBA | 1 January |
| HBF | 1 January |
| HCF | 1 January |
| Health Care Insurance | 1 January |
| Health Partners | 1 January |
| HIF | 1 January |
| Latrobe Health Services | 1 January |
| Medibank | 1 January |
| Mildura Health Fund | 1 January |
| MyOwn Health | 1 January |
| nib | 1 January |
| Nurses & Midwives Health | 1 January |
| Phoenix Health Fund | 1 January |
| Police Health | 1 January |
| Qantas Health Insurance | 1 January |
| RBHS | 1 January |
| RT Health Fund | 1 January |
| St.Lukes Health | 1 January |
| Suncorp | 1 January |
| Teachers Health | 1 January |
| TUH | 1 January |
| UniHealth | 1 January |
| Westfund | 1 January |
Your fund not on the list? Some funds reset on 1 July, like ahm, Defence Health and Peoplecare, while others, like Hunter Health and GU Health, reset on the anniversary of when you took out your policy.
Time to review your health cover?
Compare 40+ funds
Why it matters and what benefits you could still claim
Extras cover gives you a set amount you can claim each year for things like dental, optical and physio. Once your fund resets, that amount starts again from scratch.
Like I said, unused benefits generally don't roll over. If you've got $500 left on your dental limit on 31 December, you don't get $500 extra next year.
Depending on your policy, you might still have some wiggle room left for:
- Dental: A check-up and clean, fillings or getting started on bigger work
- Optical: New glasses or a stash of contact lenses
- Physio, chiro or osteo: For those sore muscles you've been ignoring
- Podiatry: Including orthotics, if they're covered
- Remedial massage: Again, if your policy includes it
If you're barely using your extras, it might be a sign your policy isn't the right fit. You can compare extras cover on Finder to find one that matches the services you actually use.
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