Basic Extras
A basic level of Extras cover which is great if you're normally healthy and want access to benefits for routine dental, optical, physio, osteo or chiro and some alternative therapies. It also includes a range of health improvement benefits for things like weight loss, some Cancer Council UV products and exercise classes (where part of an approved health management program).
Better yet, ahm believes it's important that our members get all they're entitled to, that's why there are no 2 and 6 month waiting periods on our Extras covers.
For a full run down, download a Basic Extras policy document.
Important information: From 1 July 2012, we’re increasing the benefits we pay on a range of our most popular Extras services including routine dental, physiotherapy, chiro and osteopathy. Find out more »
Looking for a package?
Combine any of our Hospital covers with any of our Extras covers to create a package to suit you. Use our Quick Quote tool to find the combination that best suits your needs and budget.
Basic Extras is great for...
| Overview of benefits covered Most common extras services |
Basic Extras |
| Routine dental |  |
| Major dental | x |
| Optical | |
| Laser eye surgery | x |
| Physio & Chiro | |
| Podiatry | x |
| Health improvement | |
| Complementary & alternative therapies (6 types) | |
| Loyalty limits | x |
|
x This service isn't included on this level of cover. |
|
Benefit details
The table below shows the most popular benefits payable under Basic Extras. For more detail on these and all other items that fall under this cover download the policy document or give us a call on 134 246.
| Most popular services | Benefit amount (will depend on service) |
Yearly limit |
| Routine Dental | ||
| • Fluoride treatment (max 2 per year) | $19.60 |
$500 combined per person |
| • Checkups (max 2 per yr combined) | $27.40 | |
| • Scale and clean (max 3 per yr combined) | $53.55 | |
| • Extractions | $56.45 - $157.90 | |
| • X-rays (one film) | $21.00 | |
| • Direct restorations | $48.50 - $83.50 | |
| Optical | ||
| • Frames, lenses, contacts and repair (payable for sight correcting products only) | $150 |
$150 combined per person |
| Therapies (see policy document for more detail) | ||
| • Physiotherapy | $12 - $33 |
$200 per person per therapy |
| • Osteopathy | $24.50 - $33 | |
| • Chiropractic | $24.50 - $33 | |
Complementary and alternative therapies |
||
| • Naturopathy | $18 | |
| • Acupuncture | ||
| • Remedial massage | ||
| • Herbalism | ||
| • Homeopathy | ||
| • Exercise physiology | ||
| Health improvement (See policy document for more detail) | ||
| • Dietitian and nutritionist |
$20 - $28 |
$100 per person |
| • Weight loss1 classes and courses | $6 - $60 | |
| • Quit smoking products and courses | $10 - $150 |
$150 per person |
| • Disease management fees | ||
| • Cancer Council UV products | ||
| • Stress management courses | ||
| • Preventive tests | ||
| • Doctor health checks (1 per person per financial year) |
||
| • Exercise classes2 | ||
| Pharmacy | ||
| • General items3 | Up to $40 each item above the general patient PBS amount |
$250 combined per person |
| • Preventive/travel vaccines | ||
| • Contraceptives (for medical reasons) | ||
| • Hormonal implants | ||
| Other benefits | ||
| • Emergency ambulance | No limit | |
1 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.
2 When part of an ahm or approved health management program and provided by an ahm approved provider.
3 Excludes PBS scripts, over the counter or off the shelf medicines, vitamins and herbal medicines.
Waiting periods
When you take out Extras cover or change your level of cover, you'll have to wait a set time before you can claim for some services and benefits you weren't previously covered for.
Where benefits are greater on your new level of cover, we'll pay the benefit at the amount on your previous level of cover until the waiting period is served.
| 1 day |
|
Important information
For more information on how your policy works, please read our Important Information for Extras cover.
Please Note: 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.