Extra flexibility

We know you want flexibility with your health cover. The flexi-limit category gives you the flexibility to claim more of your favourite included extras, under an overall annual limit.
The flexi-limit can be claimed across the range of included treatments, or you can choose to use it all on your favourite included treatment.  

Which products have flexi-limits?

Premier Extras, Value Extras and Essentials Extras products, as well as the ADF Total Package Gold and ADF Essentials Package Basic Plus.


What treatments are included in the flexi-limit?

ADF Total Package Gold, Premier Extras and Value Extras
Physiotherapy, chiropractic, osteopathy, antenatal and postnatal services, exercise physiology, psychology, podiatry/chiropody, occupational therapy, speech therapy, dietitian, eye therapy, audiology, pharmacy and vaccinations. From 1 July 2021, physio, chiro/osteo and pharmacy will leave the flexi-limit category and return to individual limits.

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

How does the flexi-limit work?

  • Only the treatment listed in the flexi-limit category is included. Other allied health categories have their own annual limits.
  • Flexi-limit benefits 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.
  • You can check your limits in Online Member Services
  • Flexi-limits do not apply to Top Extras or Standard Extras

I would like a flexi-limit, but it's not available 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 a flexi-limit, you may change your extras cover.

If you are on a closed hospital cover, you may also need to change your hospital product to a currently available cover.

Waiting periods may apply if you move to a higher level of cover. 

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

FAQs

  • What is a flexi-limit?

    The flexi-limit provides a generous annual limit for a range of included treatment.

  • Why is some treatment not included in the flexi-limit?

    Some standalone treatment categories are fundamental to general health. So we’ve kept them separate for you to make the most of all aspects of your extras cover.

  • Do I get a flexi-limit on my cover?

    Flexi-limits are available on the following products: ADF Total Package Gold, ADF Essentials Package Basic Plus, Premier Extras, Value Extras and Essentials Extras. If a flexi-limit is 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. Waiting periods may apply if you upgrade your cover.

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

  • What benefits are payable for treatment?

    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 on a closed product and you would like to change your extras product, you may also need to change your hospital product to an open product. 

    After this change, you will be unable to move back to a closed product.

    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.