Lifestyle Extras
One of our most popular products, Lifestyle Extras covers routine and major dental, optical, physio, chiro, along with 17 alternative and complementary therapies. It also covers many health improvement services and includes laser eye surgery once you've had cover for three years.
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 Lifestyle 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.
Lifestyle Extras is great for...
| Overview of benefits covered Most common extras services |
Lifestyle Extras |
| Routine dental |  |
| Major dental | |
| Optical | |
| Laser eye surgery (3 year waiting period applies) |
|
| Physio & Chiro | |
| Podiatry | x |
| Health improvement | |
| Complementary & alternative therapies (17 types) | |
| Loyalty limits | |
|
x This service isn't included on this level of cover. |
|
Benefit details
The table below shows the most popular benefits payable under Lifestyle 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.
Your benefits and limits may increase based on your loyalty years.
| Most popular services | Benefit amount (will depend on service) |
Yearly limit |
| Dental | ||
| Routine dental | ||
| • Fluoride treatment (max 2 per year) | $22.70 |
$500 combined per person |
| • Checkups (max 2 per yr combined) | $33.10 | |
| • Scale and clean (max 3 per yr combined) | $62.10 | |
| • Extractions | $56.45 - $157.90 | |
| • X-rays (one film) | $24.15 | |
| • Direct restorations | $48.50 - $83.50 | |
| Complex dental | ||
| • Periodontics – non surgical periodontic treatment | $149.05 |
1-4 yrs membership |
| • Endodontics – root canal therapy | $117.05 | |
| Major dental (Doesn't include dentures) | ||
| • Crowns, bridges, implants | $495.40 |
1-4 yrs membership |
| • Indirect restorations | $197.50 | |
| Orthodontics | Increases with loyalty years |
1-2 yrs membership |
| Optical | ||
| • Frames, lenses, contacts and repair | $180 |
$180 combined per person |
| • Laser eye surgery (per eye) (3 year wating period applies) |
$450 |
Lifetime limit $900 per person |
| Therapies (see policy document for more detail) | ||
| • Physiotherapy | $16 - $41 |
0-4 yrs membership |
| • Osteopathy | $31.50 - $41 | |
| • Chiropractic | $31.50 - $41 | |
| Other therapies (see policy document for more detail) | ||
| • Psychology and hypnotherapy | $24 - $71 |
0-4 yrs membership |
| Complementary and alternative therapies (See policy document for more detail) | ||
| • Naturopathy | $24.50 |
$400 combined per person |
| • Acupuncture | ||
| • Remedial massage | ||
| • Herbalism | ||
| • Reflexology | ||
| • Homeopathy | ||
| • Shiatsu | ||
| • Traditional Chinese Medicine | ||
| • Myotherapy | ||
| • Exercise physiology and more! | ||
| Health improvement (See policy document for more detail) | ||
| • Dietitian and nutritionist |
$30 - $45 |
$400 per person |
| • Weight loss1 classes and courses | $10 - $100 | |
| • Quit smoking products and courses | $15 - $250 |
$250 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 $50 each item above the general patient PBS amount |
0-4 yrs membership |
| • 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 Where 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 |
|
| 12 months |
|
| 3 years |
|
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.