Basic Extras

Basic Extras is an ideal health insurance cover for young singles and couples. There's cover for extras services such as physiotherapy, routine dental, and optical, at an affordable price. Plus we'll throw in some health improvement benefits to support your good health. The table below shows the benefits payable under Basic Extras effective 1 July 2009.

For more information, download the Basic Extras policy document. You can also call us on 134 246.

General Benefits

Therapies

Physiotherapy and osteopathy

Initial consultation†
$30
Subsequent consultation $22
Per class - Group hydrotherapy, pilates, antenatal exercises and rehabilitation* $11
Chiropractic Initial consultation† $30
Subsequent consultation $22
Complementary and alternative therapies Naturopathy, homeopathy, acupuncture, herbalism, remedial massage and exercise physiology $17
Financial year limits  
Per person $200 per therapy
Combined per person $400
Combined family limit $800
† 1 initial consultation per therapy per person per financial year
* Benefits only paid where service is performed by an ahm registered physiotherapist
Health improvement

Dietitian and nutritionist

Initial consultation†
$28
Subsequent consultation $20
Weight loss
Per class (approved providers only)
$6
Per course
(ahm approved providers only with medical evidence of a BMI of 26 or over for adult claims and an unhealthy BMI for children's claims)		 $60
Financial year limits - Dietitian, nutritionist and weight loss  
Limit $100 per person $200 per family
More health improvement benefits

Quit smoking

Per course
$50
Per course - Laser acupuncture therapy $50
Per item - Nicotine replacement therapy
(patches, gum, lozenges, inhalers)		 $30
Disease management association fees
Per association - Asthma, diabetes, heart, arthritis, coeliac and Crohn's disease
 $30
Cancer Council UV products Per item - sunscreen, swimwear, hats, and sunglasses (does not include cosmetics, shade or accessory items. Your receipt must identify the item as Cancer Council approved) $30
Stress management Per course
(recognised psychologist or ahm approved provider)		 $50
Preventive tests Per test - Mammograms, skin cancer screenings, bowel cancer tests and scans and bone mineral density tests
(where not claimable through Medicare)		 Up to $40
Health checks Per check# - Doctor health checks and Healthy Heart checks
(where not claimable through Medicare, an employer or another party)		 $30
Exercise classes
Gym, yoga, pilates and exercise physiology 		Per class* $10
Per course* $100
* When part of an ahm or a recognised health management program and by ahm approved provider. To be eligible for exercise program benefits, please have your GP or provider complete a health improvement approval form.
# 1 per person per financial year
Financial year limits
Limit $150 per person
 $300 per family
Combined limit for health improvement
  $250 per person
$500 per family
Disease Prevention
ahm Health Risk Assessment
ahm Health Coaching Program		 100%
Financial year limits Limit Combined
ahm Health Risk Assessment 1 per 12 months No Limit
ahm Health Coaching Program 1 per 6 months
Optical
Frames, single lenses (pair), bi-focal (pair), multi-focal (pair), contact lenses (payable for scripted sight correcting products only) $150
Repair to frames or lenses (payable for scripted sight correcting products only) $25
Financial year limits
Combined limit $150 per person $300 per family
Pharmacy
General items*, hormonal implants, contraceptives** (for medical reasons), preventive/travel vaccines up to $40 per item above the general patient
PBS amount
Financial year limits
Combined limit $250 per person $500 per family
Ambulance
Emergency only No limit
Financial year limits No limit

 * Excludes PBS scripts, over the counter or off the shelf medicines, vitamins and herbal medicines
** Sub limit of $100 per person and $200 per family

Dental Benefits

These are examples of the most common dental services we pay benefits for. There are more services covered by this policy than we can include here so make sure you call us before you have any treatment to confirm the benefits you’ll receive.

Routine
Diagnostic
Comprehensive examination item 011 $28.20*
Periodic examination item 012 $25.50*
Emergency examination item 013 $23.80**
X-ray (one film) item 022 $20.00
Preventive
Clean and polish
item 111 $27.50#
Scale and clean
item 114 $50.00#
Topical fluoride application
item 121 $18.10**
Mouthguard – custom made
item 151 $73.60**
Extractions
Non-surgical extraction
item 311 $53.65
Surgical extraction
item 324 $150.05
Direct Restorations
Metallic restoration of 1 surface
item 511 $45.65
Metallic restoration of 3 surfaces
item 513 $66.25
Adhesive filling of 1 surface (front)
item 521 $48.65
Adhesive filling of 3 surfaces (front)
item 523 $68.45
Adhesive filling of 1 surface (back)
item 531 $51.00
Adhesive filling of 3 surfaces (back)
item 533 $78.60
Financial year limits
Combined limit $500 per person $1000 per family
 *Combined limit of two per year  
**Two per year  
#Combined limit of three per year

What does it cost?

It's easy to check the cost of your health insurance cover, just use our Quick Quote.

To compare quotes for all our extras covers, check our Premiums at a Glance.

If you have a health insurance query, please contact us.

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Please Note: For definitions on the terms used above, please see Important Information.
This is important information about your policy. Please read this in conjunction with your policy document which you can download and save for future reference.