Lifestyle Extras

Interested in a health insurance product with an alternative therapies and health improvement focus? Then Lifestyle Extras might be the one for you. It also includes cover for laser eye surgery, psychology and much more.

The table below shows the benefits payable under Lifestyle Extras, effective 1 July 2009. For more information, download the Lifestyle Extras policy document. You can also call us on 134 246.

General Benefits

Therapies

Physiotherapy and osteopathy

Initial consultation†
$40
Subsequent consultation $31
Per class - Group hydrotherapy, pilates, antenatal exercises and rehabilitation* $15
Chiropractic Initial consultation† $40
Subsequent consultation $31
Financial year limits 0 – 4 years 5 – 9 years 10+ years
Per person per therapy $300 $350 $400
Per family per therapy $750 $875 $1,000
Combined $900 single
$1,500 family 		$1,050 single
$1,750 family		 $1,200 single
$2,000 family
† 1 initial consultation per therapy per person per financial year
* Benefits only paid where service is performed by an ahm registered physiotherapist
Other therapies

Psychology and hypnotherapy
(provided by an ahm registered psychologist)

Assessment or initial consultation† $70
Subsequent consultation $40
Group consultation $20
Financial year limits 0 - 9 years 10+ years
Per person per therapy
 $250 $300
Per family per therapy $500 $600
† 1 Initial consultation per therapy per person per financial year
Optical
Frames, single lenses (pair), bi-focal (pair), multi-focal (pair), contact lenses
(payable for scripted sight correcting products only)		 $180
Repair to frames or lenses (payable for scripted sight correcting products only) $40
Financial year limits Combined
Per person $180
Per family $360
Laser eye surgery
Refractive sight correcting laser eye surgery $450 per eye
Financial year limits Lifetime Limit
Per person $900
Per family $1,800
Health improvement
Dietitian and nutritionist Initial consultation† $45
Subsequent consultation $30
Weight loss
 Per class (approved providers only) $10
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)		 $100
Financial year limits - Dietitian, nutritionist and weight loss
Limit $400 per person $800 per family
† 1 initial consultation per therapy per person per financial year
More health improvement benefits
Quit smoking Per course $100
Per course - Laser acupuncture therapy $100
Per item - Nicotine replacement therapy
(patches, gum, lozenges, inhalers)		 $50
Disease management association fees Per association - Asthma, diabetes, heart, arthritis, coeliac and Crohn's disease $50
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).		 $50
Stress management Per course
(recognised psychologist or ahm approved provider)		 $100
Preventive tests Per test - Mammograms, skin cancer screenings, bowel cancer tests and scans and bone mineral density tests
(where not covered by Medicare)		 Up to $65
Health checks Per check# - Doctor health checks and Healthy Heart checks
(where not claimable through Medicare, an employer or another party)		 $50
Exercise classes Gym, yoga, pilates and exercise physiology Per class * $15
Per course * $150
Financial year limits
Limit $250 per person $500 per family
Combined limit for health improvement
  $650 per person $1,300 per family
# 1 per person per financial year
* 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.
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
Complementary and alternative therapies
Naturopathy, homeopathy, acupuncture, herbalism, remedial massage, reflexology, feldenkrais, rolfing, bowen therapy, alexander technique, kinesiology, biochemistry, shiatsu, myotherapy, aromatherapy, traditional Chinese medicine and exercise physiology $24
Financial year limits Combined
Combined per person $400
Family limit $800
Pharmacy
General items*, hormonal implants, contraceptives** (for medical reasons), preventive/travel vaccines
Up to $50 each item above the general patient PBS amount
Financial year limits 0 – 4 years 5 – 9 years 10+ years
Per person combined $350
$400 $450
Family limit $700 $800 $900
 * Excludes PBS scripts, over the counter or off the shelf medicines, vitamins and herbal medicines
** Sub limit of $150 per person and $300 per family
Ambulance
Emergency only 100%
Financial year limits No limit

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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 $32.50*
Periodic examination Item 012 $30.00*
Emergency examination Item 013 $27.50**
X-ray (one film) Item 022 $23.00
Preventive
Clean and polish Item 111 $31.75#
Scale and clean Item 114 $58.00#
Topical fluoride application Item 121 $20.90**
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 Per person Per family
Combined limit
$500 $1,000
 * Combined limit of two per year
** 2 per year
# Combined limit of three per year
Complex
Periodontics
Root planing (per tooth) Item 222 $8.00
Endodontics (Root canal therapy)
Preparation of one root canal Item 415 $110.15
Financial year limits 1 – 4 years 5 – 9 years 10+ years
Per person combined $600
 $700 $800
Family limit $1,200 $1,400 $1,600
Major*
Indirect restorations
Tooth coloured filling 1 surface Item 551 $186.20
Crowns/bridges/implants    
Fully veneered crown Item 615 $394.05
Financial year limits 1 – 4 years 5 – 9 years 10+ years
Per person combined $750
$900 $1,100
Family limit $1,500 $1,800 $2,200
* Excluding dentures
Orthodontics
100% up to your yearly limit for specialist services
70% up to your yearly limit for GP services
Financial year limits 1 – 2 years 3 – 4 years 5+ years
Per person $500 $600 $700
Lifetime limit $1,400

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, don't hesitate to 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.