Suspend With Full Access | Extras Cover

Suspend with full access with XHP – Now You Can !!

Financial hardships combined with high cost of living may force your hand into making a decision that may not be in your favour

Ever rising costs of living combined with negligible wage growth has been creating a lot of stress in many households. Not many find favourable terms with their extras health cover provider either leaving them exposed to big out of pocket expenses or putting up with discomfort

XHP is all about enabling health and saving money for our members. We are member driven and will go the extra mile for our members at times of hardship.

You can suspend your account for any reason after the first 6 months of your membership. It may be that you are facing financial hardship or just want to pause your contributions for a little while. This is done online from your platform. A nominal fee will apply and after you have accepted the terms and conditions you can suspend all contributions or premiums.

Compared to private health extras cover, you will still have access to your money for your extra’s health needs.

Once the storm has passed, a simple payment of contribution is all it takes to reactivate your account


If you cancel your account you will get a refund of 80% of your account balance on settlement of all outstanding invoices after twelve months.

Information provided is General Information only. Your personal circumstances have not been considered and does not constitute financial, legal, accounting or tax advice. Past performance is not indicative of future performance. Information used here is based on assumptions as above and as having occurred in the past, is not a future forecast. Account balance calculation is based on no spend for health with either PHI or XHP. The return for health insurance assumes no claim on a health insurance policy over the relevant period. No value has been attributed to holding a health insurance policy in the relevant period however it may be desirable to hold health insurance based on your personal circumstances.

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.