We set aside funds for your unexpected visits to the dentist, optometrist, physiotherapist, podiatrist + many other extras providers and more!

Pay as low as $0* in GAP Payments with XHP

Your affordable alternative to extras health insurance.
*depends on your account balance

Never let your hard-earned money go to waste on unused extra's health insurance benefits.

Choose a life stage and we will show you how XHP caters to your health needs every step of the way.
Single

Single

Cover perfect for you
Couple

Couples

Cover perfect for you
Family

Family

Cover perfect for you
Self-Funded Retiree

Self-Funded Retiree

Cover perfect for you
Stop wasting your money on extras services you do not use. 
Unused funds added to savings account
Grow your personal fund for added health services
Quality health services without hefty GAP payment.
Save for your future health needs without worrying about the costs.
Don’t worry about future health problems
Grow savings by earning interest on payments
Save for your future family needs and use whenever needed
Keep your family safe and healthy for many years to come.
A plan that works for you and your children
Earn interest as loyalty rewards
Raise a healthy family without busting your savings
Spend your retirement in peace without worrying about ever increasing health costs.
No need to worry about growing health costs
Funds used anytime for hospital, diagnostic and even medication 
Single
Single
Cover perfect for you
Never let your hard earned money go to waste on unused insurance benefits.
Choose a life stage and we will show you how XHP caters to your health needs every step of the way.
Unused funds added to savings account
Grow your personal fund for added health services
Quality health services without hefty GAP payment.
Couple
Couple
Cover perfect for you
Save for your future health needs without worrying about the costs.
Choose a life stage and we will show you how XHP caters to your health needs every step of the way.
Don’t worry about future health problems
Grow savings by earning interest on payments
Save for your future family needs and use whenever needed
Family
Family
Cover perfect for you
Keep your family safe and healthy for many years to come.
Choose a life stage and we will show you how XHP caters to your health needs every step of the way.
A plan that works for you and your children
Earn interest as loyalty rewards
Raise a healthy family without busting your savings
Self-Funded Retiree
Self-Funded Retiree
Cover perfect for you
Spend your old days in peace without worrying about ever increasing health costs
Choose a life stage and we will show you how XHP caters to your health needs every step of the way.
No need to worry about growing health costs
Funds used anytime for hospital, diagnostic and even medication 

Benefit at any stage of your life

XHP is a health plan for extras only cover. It is not health insurance nor is it hospital cover and is not suitable for Overseas Visitor Cover. It is a replacement for extras only health insurance cover.

Why choose XHP affordable extras cover?

At XHP, our mission is to enable good health and savings. With XHP, you will never waste your unused funds again.

Save unused funds every year

Never let your hard earned money go to waste. Access your funds anytime for your health needs. 

Earn interest on your funds

We not only protect your savings but also help you grow them. With XHP, you can grow your savings even more. 

Affordable membership

At $152 per month, you get the most affordable membership option that guarantees the safety of your future.

Capped rates with health providers

No more bill-shocks! We have fee schedules signed with health providers to maintain your health rates. 

100% control of your funds

No need to buy separate cover for each member of your family. With XHP, use funds for whoever needs it the most.

High security for your funds

Your funds are controlled by a “Custodian” who keeps your money safe. 

Compare XHP with other Extras Cover Providers

Benefits

Rollover & Save Unused Funds
Earn Interest on the funds contributed
Gift health to anyone in need
Withdraw funds (cover pet needs)
Refunds on cancellation
Cover hospital GAP and related payments
Extras
Lifetime limits, caps and annual limits
insurancetrophy

XHP

yes
yes
yes
yes
yes
yes
yes
No

Extras Health Insurance

No
No
No
No
No
No
No
yes

Do you know how much extras cost you every year?

If you already pay extras cover, then here is a way of finding out how much your extras are actually costing you every year. Hidden GAP payments can catch you off guard and working out the actual cost of your extras can be very difficult.
Use this calculator to work out the actual cost of extras cover. 

Enter Cover Details

How much does your cover cost? *
$
How much was your health invoice?
$
Enter the cost of the health service. For family, add the total of everyone.
Enter the GAP amount paid.
$
How much was the GAP paid when you used the service
Rebate Amount.
$

This is how much your extras costs you.

Total Cost of Extras
$
This is how much extras costed you for the year.
Rebate paid by Health Fund.
$
This is how much was covered by your extras health fund provider
Cost per Day
$
This is how much it is costing you per day.
Effective Extras Cover.
This is how much is actually covered by your health fund

Every dollar saved, over time helps in reducing uncertainties of unexpected health costs.

Enter the total cost of your extras cover, to see what you could save.

How many years do you wish to see:

5 years 10 years 15 years

Not sure of your extras cover costs or how you use your extras cover?

Working out how much your extras cover costs can be tricky or difficult. This is especially the case if you pay both hospital and extras cover together as in a combined cover.

Use the calculators below to help you work out your extras cost, extras use patterns and how you could benefit from XHP

See what you can save with XHP for the same

Membership

We provide the most affordable membership options for you.

Now get started in minutes and manage all your health needs in a centralized platform, built just for you.

*From your contributions, deductions are made from 1% contribution fee and 0.5% mangement fee on the monthly account balance.

Save More
With XHP.

Choose a plan and get onboard in minutes. Then get $20 credits for your next payment.
Lady
With XHP, your unused money accumulates each year and can potentially eliminate GAP payments.
Choose to pay more towards your membership depending on your needs
Book appointments, pay for your visits and check transactions on our XHP platform.

Membership Cost

Contributions* start from
$5/day

 

Platform Cost
0.55c/day

Sign Up

See what you can save with XHP for the same

  • I have been a member of XHP health savings scheme for a little while and have more to show for than nearly the 15 years, I had private health extras cover. Having the funds accumulate has mean that for my family, we have more available when we have the need, so no need to max out credit cards if we had a big spend. 
    bini
    B Abraham
    Mum and Home Maker
  • Retirement means that we now have more time on our hands to do what we want and when we want. The key to being a self-funded retiree is to manage available funds. With XHP, our unused funds rollover every year and we are already seeing the benefits of funds accumulating. We do not lose with XHP. 
    Rosemary
    R Whitfield
    Self funded Retired
  • Saving money for a future use is not my strong suit like my fishing. With XHP, I am able to save money in a dedicated account just like my super. So I know that there will be money available for our needs.
    nathan
    N Bate
    Working and Saving

FAQs

We are here to answer your questions. If you don’t find what you are looking for, CONTACT US.
Single

Member FAQs

Couple

Partner FAQs

Family

Sign Up Process

What is a health plan?

A health plan is not health insurance. 

By nature, it is a plan that you create for your health needs over time. Having small amounts set aside over time helps you create a nest egg when you need the money for your health needs.

XHP offers a way for you to set aside funds you may need in future to pay for your extras health needs. Extras Health is not covered by Medicare. Dental, Optical, Physiotherapy, Chiropractic and other allied health services come under this category. Very few items of these service may be covered under Medicare. Bulk of the services has to be paid for by individuals themselves. Some people choose to purchase extras health insurance, but find that there is a lot of limitations with insurance and are often out of pocket. The health plan offered by XHP is not insurance and is a dedicated health saving account, similar to Super for your retirement. Funds in the health savings account can only be used for health and any claims for payment must be supported by a health invoice generated by a health provider in Australia who is appropriately registered to practice in Australia.

Significant differences of a health plan to Traditional health insurance are

  1. It is savings based and is not under written by an insurance company
  2. Any unused funds in the account accumulates year on year for your benefit
  3. Interest is paid for the funds in the account
Who regulates Xtras Health Plan Ltd ?

Xtras Health Plan Ltd (ACN 618 020 885) is an unlisted public company registered in Australia.

Xtras Health Plan is a managed investment scheme registered with ASIC.

Managed Investment Scheme is defined in Section 9 of the Corporations Act 2001. Management investment schemes are regulated by the Australian Securities and Investments Commission (ASIC). Our AFSL number is 500574 and Xtras Health Plan Savings Scheme is registered with ASIC and the Scheme number is 627 076 411. Our AFSL allows XHP to offer General Advice only, invest in cash and non cash products or own Managed Investment Scheme and to hold the scheme assets in Cash.

Can I port from my health insurance company ?

Portability is only between health insurance funds. Xtras health Plan is not an insurance company and hence you are not able to port from a health insurance company to XHP.

If you are seeking value for the investment you make for your extras health cover, check out the comparison calculator at https://xhp.com.au

What is a Custodian, who is it and what do they do?

A custodian is a company that has physical possession of your assets. The money that you pay for your membership  is held by the custodian separate from that of Xtras Health Plan for your account security and convenience to pay for your health needs. The custodian charges a fee for service.

Certane Corporate Trustee is the custodian appointed by Xtras Health Plan Ltd as the responsible entity to hold your funds.

custodian bank, or simply custodian, is a specialized financial institution responsible for safeguarding a firm’s or individual’s financial assets and is not engaged in “traditional” commercial or consumer/retail banking .The role of a custodian is to:

  • hold in safekeeping your investment
  • arrange settlement of health invoice and other invoices that you authorise that XHP has validated and submitted to the custodian to effect payment.
  • collect information on and income of the investments such as interests generated on the funds held and report to authorities as required
  • administer the accounts
  • Conduct due diligence on instructions issued by XHP, fund reporting if necessary, maintain compliance of the funds and provide taxation support.
What is a managed investment scheme?

A “managed investment scheme” can be defined as a scheme where people contribute money or money’s worth to acquire rights to benefits produced by the scheme. Any contributions made are pooled or used in a common enterprise to produce financial benefits for the members of the scheme but the members do not have control over the day-to-day operation of the scheme.

a managed investment scheme, each of the following elements must exist:

  1. it must be a “scheme”
  2. it must involve a contribution of money or money’s worth to acquire rights to benefits
  3. the contributions are to be pooled or used in a common enterprise to produce benefits for the scheme members and
  4. the members do not have day-to-day control over the scheme operations.
More
Who is a Preferred Partner ?

Preferred partner is a registered health business unit, that offers a health service to members of public and is based in Australia. The following criteria must be met to be considered a Preferred Partner of Xtras Health Plan Ltd

  • Registered and has a ABN
  • Located in Australia
  • Bank accounts for financial transactions is with an Australian Bank
What does a preferred provider mean ?

Preferred Provider is a health practitioner registered with XHP holding  AHPRA registration to provide a designated health service that the practitioner is registered and licensed to practice in Australia.

I am not registered with AHPRA can I become a preferred partner ?

To be accepted as a preferred partner you must be registered with AHPRA, to provide the health service.

Why is an ABN needed ?

Members can only use the funds in their account to pay for health services with health business units located in Australia. Xtras Health Plan conducts various level checks before an invoice of a member is paid. ABN check is one of them. So if you do not have an ABN, the invoice will not be processed.

How does it work with multiple locations ?

Each location must be registered as a Preferred Partner and must have its own address that can be verified and have its own ABN. Communication address may be common.

1 2 3
More

Step 1:

Sign up here

Step 2:

Complete ID Online

Step 3:

Pay platform fees and contributions

Single
Member FAQs
Cover perfect for you
What is a health plan?

A health plan is not health insurance. 

By nature, it is a plan that you create for your health needs over time. Having small amounts set aside over time helps you create a nest egg when you need the money for your health needs.

XHP offers a way for you to set aside funds you may need in future to pay for your extras health needs. Extras Health is not covered by Medicare. Dental, Optical, Physiotherapy, Chiropractic and other allied health services come under this category. Very few items of these service may be covered under Medicare. Bulk of the services has to be paid for by individuals themselves. Some people choose to purchase extras health insurance, but find that there is a lot of limitations with insurance and are often out of pocket. The health plan offered by XHP is not insurance and is a dedicated health saving account, similar to Super for your retirement. Funds in the health savings account can only be used for health and any claims for payment must be supported by a health invoice generated by a health provider in Australia who is appropriately registered to practice in Australia.

Significant differences of a health plan to Traditional health insurance are

  1. It is savings based and is not under written by an insurance company
  2. Any unused funds in the account accumulates year on year for your benefit
  3. Interest is paid for the funds in the account
Who regulates Xtras Health Plan Ltd ?

Xtras Health Plan Ltd (ACN 618 020 885) is an unlisted public company registered in Australia.

Xtras Health Plan is a managed investment scheme registered with ASIC.

Managed Investment Scheme is defined in Section 9 of the Corporations Act 2001. Management investment schemes are regulated by the Australian Securities and Investments Commission (ASIC). Our AFSL number is 500574 and Xtras Health Plan Savings Scheme is registered with ASIC and the Scheme number is 627 076 411. Our AFSL allows XHP to offer General Advice only, invest in cash and non cash products or own Managed Investment Scheme and to hold the scheme assets in Cash.

Can I port from my health insurance company ?

Portability is only between health insurance funds. Xtras health Plan is not an insurance company and hence you are not able to port from a health insurance company to XHP.

If you are seeking value for the investment you make for your extras health cover, check out the comparison calculator at https://xhp.com.au

What is a Custodian, who is it and what do they do?

A custodian is a company that has physical possession of your assets. The money that you pay for your membership  is held by the custodian separate from that of Xtras Health Plan for your account security and convenience to pay for your health needs. The custodian charges a fee for service.

Certane Corporate Trustee is the custodian appointed by Xtras Health Plan Ltd as the responsible entity to hold your funds.

custodian bank, or simply custodian, is a specialized financial institution responsible for safeguarding a firm’s or individual’s financial assets and is not engaged in “traditional” commercial or consumer/retail banking .The role of a custodian is to:

  • hold in safekeeping your investment
  • arrange settlement of health invoice and other invoices that you authorise that XHP has validated and submitted to the custodian to effect payment.
  • collect information on and income of the investments such as interests generated on the funds held and report to authorities as required
  • administer the accounts
  • Conduct due diligence on instructions issued by XHP, fund reporting if necessary, maintain compliance of the funds and provide taxation support.
What is a managed investment scheme?

A “managed investment scheme” can be defined as a scheme where people contribute money or money’s worth to acquire rights to benefits produced by the scheme. Any contributions made are pooled or used in a common enterprise to produce financial benefits for the members of the scheme but the members do not have control over the day-to-day operation of the scheme.

a managed investment scheme, each of the following elements must exist:

  1. it must be a “scheme”
  2. it must involve a contribution of money or money’s worth to acquire rights to benefits
  3. the contributions are to be pooled or used in a common enterprise to produce benefits for the scheme members and
  4. the members do not have day-to-day control over the scheme operations.
More
Couple
Partner FAQs
Cover perfect for you
Who is a Preferred Partner ?

Preferred partner is a registered health business unit, that offers a health service to members of public and is based in Australia. The following criteria must be met to be considered a Preferred Partner of Xtras Health Plan Ltd

  • Registered and has a ABN
  • Located in Australia
  • Bank accounts for financial transactions is with an Australian Bank
What does a preferred provider mean ?

Preferred Provider is a health practitioner registered with XHP holding  AHPRA registration to provide a designated health service that the practitioner is registered and licensed to practice in Australia.

I am not registered with AHPRA can I become a preferred partner ?

To be accepted as a preferred partner you must be registered with AHPRA, to provide the health service.

Why is an ABN needed ?

Members can only use the funds in their account to pay for health services with health business units located in Australia. Xtras Health Plan conducts various level checks before an invoice of a member is paid. ABN check is one of them. So if you do not have an ABN, the invoice will not be processed.

How does it work with multiple locations ?

Each location must be registered as a Preferred Partner and must have its own address that can be verified and have its own ABN. Communication address may be common.

1 2 3
More
Family
Signup Process
Cover perfect for you

Step 1:

Sign up here

Step 2:

Complete ID Online

Step 3:

Pay platform fees and contributions

Xtras Health Plan Savings Scheme (Xtras) is not an insurance policy and you should consider your personal circumstances before deciding whether to open an account. Funds deposited to an account will not be eligible for a private health insurance rebate.

Xtras may be considered as a replacement for or to act supplementary to private health insurance depending on your personal circumstances.

Xtras Health Plan Ltd does not warrant that Xtras is suitable for your personal circumstances and you should consider your health and financial needs before deciding whether to open an account. There is a risk that you may have insufficient funds in your account to meet the costs of health treatment depending on the treatment required and the amount deposited to your account.

© 2021 All Rights Reserved Xtras Health Plan (XHP)
chevron-down linkedin facebook pinterest youtube rss twitter instagram facebook-blank rss-blank linkedin-blank pinterest youtube twitter instagram