Extra flexibility

From 1 October we’re introducing flexi-limits for a range of general treatment under some of our extras covers. Plus our great dental and optical benefits still apply.

With the new flexi-limit, you can claim more of your favourite treatment under an overall limit. The flexi-limit can be claimed across the range of included treatments, or you can choose to use it on your favourite included treatment. 

Which products have flexi-limits?

Flexi-limits have been introduced on our Premier Extras, Value Extras and Essentials Extras products, as well as the ADF Total Package and ADF Essentials package.


What treatments are included in the flexi-limit?

ADF Total Package, Premier Extras and Value Extras
Physiotherapy, chiropractic, osteopathy, antenatal & postnatal services, exercise physiology, psychology, podiatry/chiropody, occupational therapy, speech therapy, dietitian, eye therapy, audiology, pharmacy and vaccinations.

ADF Essentials Package & Essentials Extras
Physiotherapy, chiropractic, osteopathy, exercise physiology and travel vaccinations. 

How does the flexi-limit work?

  • The flexi-limit kicks off from 1 October.
  • Only the listed treatment is included. Dental, optical, health and wellbeing and medical devices remain separate treatments with their own limits.
  • No change to your premiums or hospital cover.
  • Flexi-limit benefits will reset on 1 July each year along with most other extras benefits.
  • The flexi-limit can be claimed across the range of included treatments or just one of the treatments.
  • Any claims you’ve already made this year (since 1 July) will be counted under your new flexi-limit. Eg. If your new limit is $1,500 and you’ve already claimed $600 then you have $900 for the rest of the year to claim on whichever treatment you like.
  • You can check your limits in Online Member Services
  • Flexi-limits do not apply to Top Extras or Standard Extras.

I would like flexi-limits, but they aren’t on my product

If you are on Top Extras or Standard Extras, flexi-limits do not apply. If you would like the extra flexibility of flexi-limits, you are able to move to a suitable product that does include flexi-limits.

If you are changing your extras product, you may also need to change your hospital product to a currently available cover. For example, if you are currently on Top Hospital and Top Extras and that cover meets your needs, we would recommend moving to Premier Hospital and Value Extras. After this change, you will be unable to move back to a closed extras or hospital product.

If you have Top Hospital or ADF Top Hospital cover, you are able to add Premier Extras to your Top Hospital cover. After this change, you will be unable to move back to a closed extras product. If in the future you choose to downgrade your extras cover, you will be able to select from a new extras product and you will need to move to a new hospital cover at the same time.  

Waiting periods may apply if you are increasing your level of cover. 

 

FAQs

  • What are flexi-limits?

    We've introduced flexi-limits for a range of general treatment under some of our extras cover.

    With the flexi-limit, you can claim more of your favourite treatment under an overall limit. The flexi-limit can be claimed across the range of included treatments, or you can choose to use it on your favourite included treatment. Flexi-limits cover the below treatments:

    ADF Total Package, Premier Extras and Value Extras
    Physiotherapy, chiropractic, osteopathy, ante - & post-natal services, exercise physiology, psychology, podiatry/chiropody, occupational therapy, speech therapy, dietitian, eye therapy, audiology, pharmacy and vaccinations.

    ADF Essentials Package & Essentials Extras
    Physiotherapy, chiropractic, osteopathy, exercise physiology and travel vaccinations.

  • Why aren’t dental and optical included in the flexi-limit?

    You still get great benefits on dental and optical. Dental, optical (and the other standalone treatment categories) are fundamental to general health. Dental care is a must have. If you wear glasses, you need your optical benefits. So we’ve kept them separate for you to make the most of all aspects of your extras cover. 

  • Do I get flexi-limits on my product?

    Flexi-limits are available on the following products:  ADF Total Package, ADF Essentials Package Premier Extras, Value Extras & Essentials Extras

    If flexi-limits are not available on your product, you may want to consider moving your extras to one of the above. If you have hospital cover, you may have to change your hospital cover as well. 

  • I would like flexi-limits, but they aren’t on my product

    If you would like the extra flexibility of flexi-limits, you are able to move to a suitable product that does include flexi-limits.

    If you are changing your extras product, you may also need to change your hospital product. For example, if you are currently on Top Hospital and Top Extras and that cover meets your needs, we would recommend moving to Premier Hospital and Value Extras.

    If you have Top Hospital or ADF Top Hospital cover, you are able to add Premier Extras to your Top Hospital cover. After this change, you will be unable to move back to a closed extras product. If in the future you choose to downgrade your extras cover, you will be able to select from a new extras product and you will need to move to a new hospital cover at the same time. 

    Waiting periods may apply if you are increasing your level of cover. 

    You can change your cover here, or give us a call on 1800 335 425.

  • Will I have a waiting period for my flexi-limit?

    If you are on one of the following levels of cover, there are no waiting periods for flexi-limits - ADF Total Package, ADF Essentials Package Premier Extras, Value Extras & Essentials Extras. If you are not on one of these levels of cover and change your level of extras you will have a two month waiting period on the additional benefits.  

  • What about claims I’ve already made this year?

    Any claims you’ve already made this year since 1 July will be counted under your new flexi-limit. Eg. If your new limit is $1,500 and you’ve already claimed $600 then you have $900 for the rest of the financial year to claim on whichever included treatment you like.

  • What if I’ve already reached my limits for a treatment?

    If you have Premier, Value or Essentials Extras, or the ADF Total Package or ADF Essentials Package, you’re in luck. You will be able to access additional benefits, up to your new flexi-limit.

    For example, if your new flexi- limit is $1,500 and you’ve already claimed $600 on treatments now included under the flexi-limit, then you have $900 for the rest of the financial year to claim on whichever included treatment you like.

  • Do I still get 100% back on initial consultations?

    If you have Premier Extras or the ADF Total Package, you will continue to receive 100% back on your first visit to an applicable treatment, within annual limits. The benefits for follow-up consultations have increased and will be paid according to your level of cover. Check your 1 October product guide for the benefits that apply to your cover.

  • How much do I get back for treatments?

    We have increased benefits for a range of extras treatment, effective from 1 October. Check your 1 October product guide to see all benefits.

 

More information for members

You'll find more information in the flyers below.