AUSTRALIA'S FIRST SAVINGS BASED HEALTH PLAN

We are excited to bring an Alternative to the current model of Extras Health Cover offered by Private Health Insurance. Licenced by ASIC, it is a registered Managed Investment Scheme that allows you to save your health dollars.

Worried about the ever rising cost of Extras Health. 10 reasons why XHP is the best for Extras Health

1
Use It or Lose It

Use It or Lose It

You know how, at the end of each year your account balance resets and your old balance is lost f...

2
Mind the GAP

Mind the GAP
Gap with your extras cover can arise due to
  1. Limits to your Claimable Benefit
  2. Set limits for each serv...

3
Dreaded 1st of April premium rises

Dreaded 1st of April premium rises
Every year there is an increase in the premiums paid to health funds,and is a subject of debate in many households if th...

4
Limited to Extras only

Limited to Extras only
With Private Health extras cover, it is limited to extras cover only and can not be used to pay for your pharmaceuticals...

5
Complex Private Health Insurance Rules

Complex Private Health Insurance Rules
You know that sinking feeling that you thought you had the cover for the service you needed, just to find out that you h...

6
Limits and Caps

Limits and Caps
The amount of benefit for a health service is either a set limit or a percentage benefit. Set Limit has a cap of w...

7
Gift What Gift

Gift What Gift?
Sorry you are limited to the ones you nominated on your membership. If you really care and want to help out a friend or ...

8
Cancel - Total loss with PHI

Cancel - Total loss with PHI
With a change in circumstances you may be able to negotiate a payment plan with your health fund. Some health funds do a...

9
Suspension Limited with PHI

Suspension Limited with PHI
Unless specific conditions such as minimum payment and caps on what you can withdraw are met. The investment may not ret...

10
Investment Platform-Conditions Apply

Investment Platform- Conditions Apply
Investment platforms offer a wide range of returns for investors along with the risks associated with the such investmen...

Use Your Funds For These Services and More

Dental

Dental

The cost of dental care may be a barrier to regular dental attendance with the proportion of the Australian population avoiding or delaying care due to cost increasing since 1994, this despite the fac...

Optical

Optical

Good vision is a blessing until you are confronted with poor vision, something a lot of people take for granted. Age and other factors can affect your eyesight which can often be prevented or early pr...

Chiropractor

Chiropractor

Chiropractors diagnose, treat and prevent mechanical disorders of the musculoskeletal system and the effects of these disorders on the function of the nervous system and general health.Spinal manipula...

Physiotherapy

Physiotherapy

Physiotherapists are highly qualified health professionals who work in partnership with their patients to help people get better and stay well. Physiotherapists also work closely with GPs and other ...

Psychology

Psychology

Psychology is the study of the human mind and its wide-ranging functions and influences. Psychological research advances our understanding of human emotion, personality, intelligence, memory, percepti...

Podiatry

Podiatry

Podiatrists are health care professionals who have been trained to prevent, diagnose, treat and rehabilitate abnormal conditions of the feet and lower limbs. ... They can also treat and alleviate day-...

Speech Therapy

Speech Therapy

Speech is the most commonly used method of communication and understanding another person involves and comprehending what is being said by the person. This is where a speech therapist comes in, they a...

Occupational Therapy

Occupational Therapy

Sometimes things can hard to do as a result of injury or other activities. The primary goal of an occupational therapist is to enable people to get on with everyday activities to lead a normal and pr...

About XHP

Dedicated Health Account Simple and effective

For purpose low risk safe investment

Xtr...

Registered Managed Investment Scheme

Xtras Health Plan Savings Scheme (ARSN:627 076 411...

Funds held securely by Custodian

Security of our members funds is one of the hi...

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Our
Vision

To Enable Health for all Australians and Save Money by providing an alternative.

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Our
Mission

We are driven by our Vision to create the alternative that promotes health and wellbeing by addressing the very cause people are staying away - Affordability.

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Our Guiding
Principles

Transparency in Operations.Integrity in Transactions

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Our
Commitment

We remain committed to creating and delivering the alternative and to do so we have secured an AFSL from ASIC.

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