Terms and Conditions

Before you join it’s important that you read and retain this information and understand the details of the Xtras Health Plan Saving Scheme for extras health.
Who do these terms & conditions of use apply to?
By using the Xtras Health Plan Limited (XHP), the website (“Site”), you agree to accept and comply with these terms & conditions of use.
Accuracy, currency and completeness
XHP does not warrant the accuracy, currency or completeness of any information or material (“Content”) available on or through the Site since information may change without notice, delays in processing transactions may occur and information may not apply to your specific circumstances.

Please contact XHP before acting in reliance on any information on this Site.
No data transmission over the Internet can be guaranteed as totally secure. Whilst XHP takes reasonable steps to protect information you transmit to XHP through this website, XHP does not warrant and cannot ensure the security of any information which you transmit to XHP. Accordingly, any information that you transmit to XHP is transmitted at your own risk.

When using this website, you must take precautions to ensure you are not exposed to the risk of viruses, malicious computer code or other forms of interference which may damage your own computer system. XHP does not accept responsibility for any such interference or damage to your system which arises in connection with your use of this website.
Third party content
This website contains some information which is provided to XHP by third parties. XHP retains the right (but not the obligation) to reject, edit, or remove any information a third party provides for display on this website.

XHP does not warrant the currency, accuracy or reliability of any information provided by a third party for display on this website.
Medical disclaimer.
The health-related information contained on this website is provided for general information purposes only and is not intended to be a substitute for professional medical advice or for the care that patients receive from their healthcare professionals. Xtra’s Health Plan Savings scheme is not designed for hospital cover and is not suitable for overseas visitors insurance.
Linked websites
This website may contain links to other websites. Those links are provided by XHP for your convenience only and may not remain current or be maintained. Website links on this website must not be construed as an endorsement, approval or recommendation by XHP of the linked website or its content. XHP is not responsible for the content or privacy practices associated with linked websites.
Intellectual property rights.
Intellectual property rights in this website (including copyright in all text, graphics, logos, icons, sound recordings and software) are owned by, or licensed to XHP or used under common creative licence. Other than for purposes expressly authorised by these Terms, you must not copy, adapt, reproduce, store, publish or commercialise any information provided on this website without XHP’s prior written permission.

XHP's liability.

XHP is not liable for:

  • the reliance of any person on the information obtained through use of the Site;
  • any failure or delay of the Site to provide information or perform transactions requested;
  • unavailability of the Site and events beyond XHP’s control such as internet connection availability; or
  • other direct or indirect loss or damage however caused, including negligence.

XHP excludes all warranties (whether express, implied or statutory) relating in any way to the Site to the fullest extent XHP is legally able. XHP’s liability for breach of any warranty implied into these terms and conditions by statute that cannot be excluded is limited to the supply of that part of the Site again or, at XHP’s option, the payment of the costs of having an equivalent service supplied again.

Intellectual property
The intellectual property in the text, materials, graphics and advertisements on the Site is the property of, or is licensed to, XHP. Although you may download the information on this Site for your personal, non-commercial use, you must not modify, copy, reproduce, republish, frame, upload, post, transmit or distribute that information in any other way without XHP’s prior written consent.
Disclaimers and general conditions

You must not:

  • tamper with, hinder the operation of or make unauthorised modifications to this website;
  • knowingly transmit any virus or other disabling feature to this website; or
  • attempt any of the above acts or permit another person to do any of the above acts.

To the extent permitted by law, XHP excludes any condition or warranty (whether express, implied or statutory) relating in any way to this website. XHP’s liability for breach of any warranty implied into these Terms by statute, which cannot be excluded, is limited to the supply of those services again or, at XHP’s option, the payment of the costs of having an equivalent service supplied again.

XHP is not liable to you or any other party and you release XHP from any liability for any loss or damage however caused (including through negligence) which you or any other party may directly or indirectly suffer in connection with your access to or use of this website.

XHP reserves the right to amend these Terms at any time and without notice to you. Your continued access to and use of this website will be deemed as your acceptance of the version of these Terms current at the time you log onto this website.

These Terms are governed by the laws of Queensland, Australia.

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.
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