Feel like you have hit the brick wall, no one listening to you, feeling alone, confused by the complexity of rules that are not making any sense to you.

Overwhelmed by complex fund rules is a feeling shared by many people who have private health extras cover. Here is a real example, Jane has two children who play footy and wanting to ensure her children are protected, she goes off to have them fitted with mouthguards. Impressions are taken and the dentists office has turned them around in the same day as Jane needed them in a hurry. Guess what her private health cover did not pay a cent, In its own wisdom, it deemed that a week must pass between the impressions being done and the mouthguard being fitted. In the meantime good luck with not getting injured or sit on the bench and dream of playing.

Private Health Insurance Extras Cover (PHIe)

that sinking feeling of being taken for a ride

You know that sinking feeling that you thought you had the cover for the service you needed, just to find out that you have reached the limit or other reasons that do not make sense. Now what?. Sorry to break it to you but you are a 100% out of pocket over and above what you paid as premiums.

What about if you need a few more sessions to recover, and you have hit limits, caps and other terms.

In fact, you should check your health cover to be sure of how much and what you are covered for.

Xtras Health Plan Savings Scheme (XHP)

Complex Private Health Insurance Rules

It's your money after all, you have been saving up diligently for your extras health needs. We don't have fancy words such as ultimate, platinum or premium for it - Well if you like it let's call it My Plan.

Which is why we say XHP is Member's Own. They have the full freedom of making decisions and implementing their own plan.

This is how it works.

Use the funds as you see fit for your health needs. At XHP there is no limits, tiers or caps that you can apply the funds for a service that you need. So if you need more physio sessions to recover then you simply apply your funds to physio sessions. Just make sure you have adequate funds in your account or you will have a gap to pay. So with XHP the decision on how to spend your money is entirely up to you.

Our advice is simple, prevention is better than cure. As Preventions is often cheaper and more effective than a costly fix.


XHP is the real Members Own health plan. Where you as the member is in full control of all your decisions and choices. You profit or lose from your own health decisions.

Information provided is General Information only. Your personal circumstances have not been considered and does not constitute financial, legal, accounting or tax advice. Past performance is not indicative of future performance. Information used here is based on assumptions as above and as having occurred in the past, is not a future forecast. Account balance calculation is based on no spend for health with either PHI or XHP. The return for health insurance assumes no claim on a health insurance policy over the relevant period. No value has been attributed to holding a health insurance policy in the relevant period however it may be desirable to hold health insurance based on your personal circumstances.