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How does Extras Cover work?

Reviewed and updated 20 April 2023

How do you claim under Extras Cover?

If you have Extras Cover, you can claim a percentage of the cost of health services covered under your policy. 

Generally, Extras Cover allows you to claim a:

  • percentage of the cost of each service (for example, 50% of the cost of dental care)
  • maximum amount for the service each year (for example, up to $500 each year for dental care).

Usually, Extras Cover is subject to per claim, annual and lifetime limits.


What is a per claim limit?

A per claim limit is when your policy places a limit on how much you can claim for each service. The limit is usually a percentage of the cost or a fixed amount for each service. For example, you may have a limit of 50% of the cost of a dental check-up or $50 towards the cost of a dental check-up.


What is an annual limit?

An annual limit is when your policy imposes a limit on the amount you can claim each year for each service. For example, you may have a limit of $600 per policy per year for chiropractic or $300 per policy per year for optical.


What is a lifetime limit? 

A lifetime limit is when your policy imposes a lifetime on the amount you can claim for a service. For example, you may have a $2,900 per person lifetime limit for orthodontics.

If an insurer has a relationship with a particular provider, you may get back more when you claim from that provider.

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