Extras-onlyOn sale

Black 50 Saver

A Extras-only product from ahm. Below is the cover registered in the government data: waiting period, benefit per visit and annual limit for each service.

Government data date: 1 October 2026

Services covered (4)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	Periodic exam (012): 50% of the fee Scale and clean (114): 50% of the fee Fluoride (121): 50% of the fee Extraction (322): 50% of the fee	$400 a year
Physiotherapy	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$300 a yearShared with Chiropractic, Osteopathy
Chiropractic	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$300 a yearShared with Physiotherapy, Osteopathy
Osteopathy	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$300 a yearShared with Physiotherapy, Chiropractic

Not covered: Major dental, Root canal (endodontics), Orthodontics (braces), Glasses and contact lenses, Orthoptics, Hearing aids, Audiology (hearing tests), Exercise physiology, Podiatry, Orthotics, Acupuncture, Chinese herbal medicine, Remedial massage, Psychology, Dietetics, Speech therapy, Occupational therapy, Non-PBS prescription medicines, Vaccinations, Blood glucose monitors, Antenatal and postnatal care, Health management programs, Home nursing

Annual limits

Services in the same group share one limit.

General dental
$400 a year
Physiotherapy, Chiropractic, Osteopathy
$300 a year
Also includes other services not listed

Insurer's notes (original English)

Product features

This cover includes a combined limit for physiotherapy, chiropractic and osteopathy.

Other services

This cover also includes unlimited emergency ambulance and no gap dental check-ups at select dentists. Learn more at ahm.com.au/nogap.

Frequently asked questions

How much does Black 50 Saver pay for a scale and clean?

According to government data, Black 50 Saver pays 50% of the fee for a scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: $400 a year.

What are the waiting periods for Black 50 Saver?

General dental 2 months, Physiotherapy 2 months, Chiropractic 2 months, Osteopathy 2 months.

Can Black 50 Saver be bought on its own?

Yes. This product doesn't need to be held with hospital cover.

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