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Complex Rules

Rules about how you can use your funds are complex and difficult to understand, this is further complicated by each insurer having their own rules.

If the number of complaints made to the private health insurance ombudsman is a guide to follow. It is noticeable that most people making the complaints do not or did not understand what would be covered and what would not be.

To make this simpler and easier to understand and interpret, the reform of having only four categories GOLD, SILVER, BRONZE and BASIC were introduced.

Have you checked lately the variations within the four categories? Complex again right?

Say GOODBYE to complexity, as if life is not complex enough

Say Hello to XHP – where you have 3 simple rules

  1. Choose a Health provider in Australia
  2. Choose an Australian Business with an ABN number
  3. All payments are paid only within Australia

How is that for simplicity?



XHP is similar to a member’s buying group

XHP members are in control of their decisions and choices.

You profit or lose from your own health decisions.

Proudly Australian for Australians

Australian Owned and Operated


Suite2, 36 Macaree Street,
Berserker, Rockhampton,
Queensland 4701
Phone (07) 4807 6424
Email [email protected]

Xtras Health Plan Ltd – AFSL500574
Xtras Health Plan Savings Scheme – ARSN 627076411
Xtras Health Plan Ltd – ACN 618020885

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 amount deposited to your account.