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 2011.

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

The wait is over

We believe it's important our members get all they're entitled to. That's why from 6 June 2011 we've removed the 2 and 6 months waiting periods from all our Extras covers.

Find out more »

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 $30.50*
Periodic examination item 012 $27.40*
Emergency examination item 013 $25.35**
X-ray (one film) item 022 $21.00
Preventive
Clean and polish item 111 $29.25#
Scale and clean item 114 $53.55#
Topical fluoride application item 121 $19.60**
Mouthguard – custom made item 151 $78.35**
Extractions
Non-surgical extraction item 311 $56.45
Surgical extraction item 324 $157.90
Direct Restorations
Metallic restoration of 1 surface item 511 $48.50
Metallic restoration of 3 surfaces item 513 $70.35
Adhesive filling of 1 surface (front) item 521 $51.70
Adhesive filling of 3 surfaces (front) item 523 $72.75
Adhesive filling of 1 surface (back) item 531 $54.15
Adhesive filling of 3 surfaces (back) item 533 $83.50
Combined per person $500
Family limit $1000
* Maximum 2 services per year combined
** Maximum 2 services per year
# Maximum 3 services per year combined

General Benefits

Therapies

Physiotherapy and osteopathy

Initial consultation† $33.00
Subsequent consultation $24.50
Per class - Group hydrotherapy, pilates, antenatal exercises and rehabilitation* $12.00
Chiropractic Initial consultation† $33.00
Subsequent consultation $24.50
Complementary and alternative therapies Naturopathy, homeopathy, acupuncture, herbalism, remedial massage and exercise physiology $18.00
Per person per therapy $200
Combined limit per person $400
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
Optical
Frames, single lenses (pair), bi-focal (pair), multi-focal (pair), contact lenses, repair to frames or lenses
(payable for scripted sight correcting products only)		 $150.00
Combined per person $150
Family limit $300
Pharmacy
General items*
Hormonal implants
Contraceptives (for medical reasons)
Preventive/travel vaccines		 up to $40 each item above the general patient PBS amount
Combined per person $250
Family limit $500
* Excludes PBS scripts, over the counter or off the shelf medicines, vitamins and herbal medicines
Disease Prevention
ahm Health Risk Assessment
 100%
Financial year limit 1 per person per 12 months
ahm Health Coaching Program 100%
Financial year limit 1 per person per 6 months
Ambulance
Emergency only 100%
Financial year limit No limit
Health improvement

Dietitian and nutritionist

Initial consultation† $28.00
Subsequent consultation $20.00
Weight loss Per class (approved providers only) $6.00
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)		 $60.00
Combined per person $100
Family limit $200
† 1 Initial consultation per therapy per person per financial year
More health improvement benefits
Quit smoking Per course $55.00
Per course - Laser acupuncture therapy $55.00
Per item - Nicotine replacement therapy
(patches, gum, lozenges, inhalers)		 $30.00
Disease management association fees Per association - Asthma, Diabetes, Heart, Arthritis, Coeliac and Crohn's disease $30.00
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) $30.00
Stress management Per course
(recognised psychologist or ahm approved provider)		 $50.00
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 $40.00
Health checks Per check# - Doctor health checks and Healthy Heart checks
(where not claimable through Medicare, an employer or another party)		 $30.00
Exercise classes
Gym, Yoga, Pilates and exercise physiology
(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.)		 Per class $10.00
Per course $150.00
Combined per person $150
Family limit $300

# 1 per person per financial year

Note: All health improvement benefits are subject to benefit conditions. Please refer to your policy document for more information.

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.