Read More | Extras Cover

Limits and More limits

Waived waiting period, get 70% back on extras and such catchphrases are used to lure you to buy extras health cover, only to find that there are limits, sub-limits, annual limits and combined limits. Wait there are more, lifetime limits, fund rules have we missed some. Maybe not. At XHP, our primal question is simple, it is your money, after all, so why the limitations. Limits to your funds decrease the value of your investments thereby increasing the “GAP” or “Out of Pocket” expense.

With XHP your limit is the funds you have in your account. Use the funds the way you want to. GAP or Out of Pocket expense arises only if you do not have sufficient funds in your account.

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.