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Family Extras

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 (22)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	No waiting period	Periodic exam (012): $33.65 Scale and clean (114): $68.30 Fluoride (121): $24.45 Extraction (322): $105.25	$500 a year
Major dental	12 months	Full crown, veneered (615): $505.90	$750 a year
Root canal (endodontics)	12 months	Root canal obturation (417): $120.55	$600 a year
Orthodontics (braces)	12 months	Upper and lower braces plus retainer (881): 100% of the fee	$700 a year
Glasses and contact lenses	No waiting period	Single vision lenses and frames: $220 Multifocal lenses and frames: $220	$220 a year
Non-PBS prescription medicines	No waiting period	Per prescription: $50	$350 a year
Physiotherapy	No waiting period	Initial visit: $36 Subsequent visit: $28	$300 a year
Chiropractic	No waiting period	Initial visit: $36 Subsequent visit: $28	$300 a year
Podiatry	No waiting period	Initial visit: $31 Subsequent visit: $25	$250 a year
Psychology	No waiting period	Initial visit: $71 Subsequent visit: $41	$250 a year
Acupuncture	No waiting period	Initial visit: $22 Subsequent visit: $22	$300 a yearShared with Remedial massage, Exercise physiology
Remedial massage	No waiting period	Initial visit: $27 Subsequent visit: $27	$300 a yearShared with Acupuncture, Exercise physiology
Hearing aids	12 months	Per hearing aid: $600	$1,200 a year
Antenatal and postnatal care	No waiting period	Initial visit: $25 Subsequent visit: $25	No annual limit
Dietetics	No waiting period	Initial visit: $32 Subsequent visit: $25	$250 a year
Exercise physiology	No waiting period	Initial visit: $22 Subsequent visit: $22	$300 a yearShared with Acupuncture, Remedial massage
Orthoptics	No waiting period	Initial visit: $25 Subsequent visit: $22	$250 a year
Health management programs	No waiting period	Health management program: $8	$250 a year
Occupational therapy	No waiting period	Initial visit: $30 Subsequent visit: $26	$250 a year
Orthotics	12 months	Per pair of orthotics: 100% of the fee	$150 a year
Osteopathy	No waiting period	Initial visit: $36 Subsequent visit: $28	$300 a year
Speech therapy	No waiting period	Initial visit: $50 Subsequent visit: $26	$250 a year

Not covered: Audiology (hearing tests), Chinese herbal medicine, Vaccinations, Blood glucose monitors, Home nursing

Annual limits

Services in the same group share one limit.

General dental
$500 a year
Major dental
$750 a year
Root canal (endodontics)
$600 a year
Also includes other services not listed
Orthodontics (braces)
$700 a year, $2,200 lifetime
Glasses and contact lenses
$220 a year
Non-PBS prescription medicines
$350 a year
Physiotherapy
$300 a year
Chiropractic
$300 a year
Podiatry
$250 a year
Psychology
$250 a year
Acupuncture, Remedial massage, Exercise physiology
$300 a year
Also includes other services not listed
Hearing aids
$1,200 a year, 2 per 3 years
Dietetics
$250 a year
Orthoptics
$250 a year
Health management programs
$250 a year
Occupational therapy
$250 a year
Orthotics
$150 a year
Osteopathy
$300 a year
Speech therapy
$250 a year
Antenatal and postnatal care
No annual limit

Insurer's notes (original English)

Other services

This cover also includes Hypnotherapy ($71 for initial consultations and $41 for subsequent consultations) and Health Improvement Benefits including: Yoga, Pilates, Quit Smoking, Disease management association fees, Cancer Council UV products, Stress management courses, Preventative tests, scans and screenings, Health checks, Exercise classes and Swimming lessons. Other benefits also include Joint fluid replacement injections, Medical Gases, Travel & Accommodation, unlimited emergency ambulance and Counselling services. Conditions and annual limits apply. Please refer to product guide for more details.

Frequently asked questions

How much does Family Extras pay for a scale and clean?

According to government data, Family Extras pays up to $68.30 per scale and clean (114), with a No waiting period general dental waiting period. General dental annual limit: $500 a year.

What are the waiting periods for Family Extras?

General dental No waiting period, Major dental 12 months, Root canal (endodontics) 12 months, Orthodontics (braces) 12 months, Glasses and contact lenses No waiting period, Non-PBS prescription medicines No waiting period, Physiotherapy No waiting period, Chiropractic No waiting period, Podiatry No waiting period, Psychology No waiting period, Acupuncture No waiting period, Remedial massage No waiting period, Hearing aids 12 months, Antenatal and postnatal care No waiting period, Dietetics No waiting period, Exercise physiology No waiting period, Orthoptics No waiting period, Health management programs No waiting period, Occupational therapy No waiting period, Orthotics 12 months, Osteopathy No waiting period, Speech therapy No waiting period.

Can Family Extras be bought on its own?

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

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