Never lose your unused extras health investments ever again.

This is the XHP difference and promise.

Designed by consumers and health professionals as an alternative for those who have extras cover or are planning to join.

First hand experiences of putting up with pain, getting into debts and hoping for the year to roll by faster that do not enable health.

Is the reason why XHP was created

Here is screenshot of a member's dashboard.

XHP members accumulate their unused funds every year.
This screen shot shows funds accumulated on the 1st of July 2021.

Imagine being able to afford the care you need or want without having to get into debt or being in pain.

Enabling Health and Savings

is the

why behind XHP.

How does it work?

If you are familiar with Super, as in the screenshot, your unused funds accumulate every year. Funds can only be withdrawn against health invoices so it offers you a dedicated health account with added benefit of being paid interest.

How is it different?

XHP is a managed investment scheme. Hence the Australian Financial Services Laws apply which is one of the stringiest in the world and has even more stringer since the Royal Commission.
So, you can be assured XHP has rules to follow.

Unlike traditional extras insurance where your
a. Choice is removed
b. You are subject to various fund rules
c. Premiums keep going up, but the benefits do not and so many more

Members of XHP
a. Retain 100% ownership and control of their health and financial decisions
b. Pay capped membership fees for life
c. Subject to health invoices that comply with it being an Australian Health Practitioner, service being delivered in Australia by a registered business

How is it better than me doing it myself?

The differences are in that
a. Your funds are pooled with that of others, so you can earn interest from the very first dollar.
b. Benefit from the strength of a group purchasing power.
c. Capped fees with participating health providers anywhere in Australia
d. No discipline required even under financial duress.

How can XHP be trusted?

XHP is Australian Owned and Operated and is based in Queensland.
a. Being a financial services product, it is highly regulated by ASIC.
b. Your funds are held securely by a Custodian who must provide financial guarantee to hold such funds under its management. So, you can be sure your funds are safe
c. As a member you have full visibility and transparency of every transaction, like any online banking platform.
d. Only instructions provided via the secure platform will be accepted for processing.
e. XHP is independently audited for compliance with the scheme and licensing requirements.

I want to save

Australian Owned and Operated
Designed ground up by consumers and health professionals for a better extras cover.

XHP members enable their health and finances

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.

Never lose your unused extras health investments ever again.

Enabling Health and Savingsis thewhy behind XHP.

Australian Owned and OperatedDesigned ground up by consumers and health professionals for a better extras cover.

XHP members enable their health and finances

Enabling Health and Savings

is the

why behind XHP.

Australian Owned and Operated
Designed ground up by consumers and health professionals for a better extras cover.