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AAMI Premium Active Extras

A Extras-only product from nib. 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 (24)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	Periodic exam (012): $35.20 Scale and clean (114): $66.85 Fluoride (121): $21.85	$1,000 a year
Major dental	12 months	Extraction (322): $168.55 Full crown, veneered (615): $1,079.10	$1,000 a yearShared with Root canal (endodontics)
Root canal (endodontics)	12 months	Root canal obturation (417): $178.10	$1,000 a yearShared with Major dental
Orthodontics (braces)	12 months	Upper and lower braces plus retainer (881): 70% of the fee	$700 a year
Glasses and contact lenses	6 months	Single vision lenses and frames: 70% of the fee Multifocal lenses and frames: 70% of the fee	$250 a year
Non-PBS prescription medicines	2 months	Per prescription: 70% of the fee	$400 a year
Physiotherapy	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$500 a year
Chiropractic	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$400 a yearShared with Osteopathy
Podiatry	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$350 a yearShared with Orthotics
Psychology	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$400 a year
Acupuncture	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$350 a yearShared with Remedial massage, Chinese herbal medicine
Remedial massage	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$350 a yearShared with Acupuncture, Chinese herbal medicine
Hearing aids	36 months	Per hearing aid: 70% of the fee	$1,000 a year
Blood glucose monitors	12 months	Blood glucose monitor: 70% of the fee	$400 a year
Antenatal and postnatal care	2 months	Initial visit: 100% of the fee Subsequent visit: 100% of the fee	$250 a year
Chinese herbal medicine	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$350 a yearShared with Acupuncture, Remedial massage
Dietetics	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$350 a year
Exercise physiology	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$250 a year
Orthoptics	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$200 a year
Health management programs	6 months	Health management program: 70% of the fee	$200 a year
Occupational therapy	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$300 a year
Orthotics	2 months	Per pair of orthotics: 70% of the fee	$350 a yearShared with Podiatry
Osteopathy	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$400 a yearShared with Chiropractic
Speech therapy	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$300 a year

Not covered: Audiology (hearing tests), Vaccinations, Home nursing

Annual limits

Services in the same group share one limit.

General dental
$1,000 a year
Major dental, Root canal (endodontics)
$1,000 a year
Orthodontics (braces)
$700 a year, $2,500 lifetime
Glasses and contact lenses
$250 a year
Non-PBS prescription medicines
$400 a year
Physiotherapy
$500 a year
Chiropractic, Osteopathy
$400 a year
Podiatry, Orthotics
$350 a year
Psychology
$400 a year
Acupuncture, Remedial massage, Chinese herbal medicine
$350 a year
Also includes other services not listed
Hearing aids
$1,000 a year, 2 per 5 years
Blood glucose monitors
$400 a year, 1 per year
Also includes other services not listed
Antenatal and postnatal care
$250 a year
Dietetics
$350 a year
Exercise physiology
$250 a year
Orthoptics
$200 a year
Health management programs
$200 a year
Occupational therapy
$300 a year
Speech therapy
$300 a year

Insurer's notes (original English)

Product features

For those who want the best when it comes to Extras. Of course, you can see your choice of provider, but by choosing a FirstChoice provider, you may have less to pay towards the cost of your treatment. We’ve created the FirstChoice network to help you access quality healthcare and a better deal for you and your family. We’ve locked in lower costs with our FirstChoice providers, so you can enjoy competitive treatment fees when you visit the dentist or a discount the next time you claim for glasses.

Other services

Preventative Tests - $200 limit per person per year (6 month waiting period): 70% back on preventative health test e.g. thin prep, bone density testing, bowel screening (service limits apply). Top Health Aids - $400 limit per person per year (12 month waiting period): 70% back on health aids e.g. spacer, peak flow meter, nebuliser, blood glucose monitor, Irlen lens (service limits apply). Myotherapy - $350 combined limit with acupuncture, remedial massage and Chinese herbalism per person per calendar year. Healthy Lifestyle includes approved weight management, quit smoking and health management programs (gym, personal trainer) and more. Psychology has a sublimit of $150 for Digital Cognitive Behavioural Therapy (CBT). For Preventative dental service limits apply.

Frequently asked questions

How much does AAMI Premium Active Extras pay for a scale and clean?

According to government data, AAMI Premium Active Extras pays up to $66.85 per scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: $1,000 a year.

What are the waiting periods for AAMI Premium Active Extras?

General dental 2 months, Major dental 12 months, Root canal (endodontics) 12 months, Orthodontics (braces) 12 months, Glasses and contact lenses 6 months, Non-PBS prescription medicines 2 months, Physiotherapy 2 months, Chiropractic 2 months, Podiatry 2 months, Psychology 2 months, Acupuncture 2 months, Remedial massage 2 months, Hearing aids 36 months, Blood glucose monitors 12 months, Antenatal and postnatal care 2 months, Chinese herbal medicine 2 months, Dietetics 2 months, Exercise physiology 2 months, Orthoptics 2 months, Health management programs 6 months, Occupational therapy 2 months, Orthotics 2 months, Osteopathy 2 months, Speech therapy 2 months.

Can AAMI Premium Active Extras be bought on its own?

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

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