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.