XHP is an alternative to traditional Extras Cover for those who want better.

XHP is a hybrid between a financial and a health platform.
A simple easy to use platform to manage appointments and spend on the services that you choose.

Extras Insurance
Extras health insurance is not really insurance because, 

a. Annual limits, Combined limits and other rules apply.
b. Does not limit your out-of-pocket expense.

The simple premise of any insurance product is to 

"Limit the liability of the bearer in exchange for a premium."

According to AIHW 25.9% of all age groups who had insurance avoided dental care due to cost. Leading to disability.

" If you pay more into your extra cover policy, than you get out, then where is the value of extras insurance"

When you pay a premium and then have an unlimited GAP to pay, instead of the insurance company limiting your liablity.  You not only dont have value, you have a bad value policy.
Xtras Health Plan
Xtras Health Plan, is the alternative designed to be equitable to enable health and wellbeing. 

Modelled on many successful financial products , XHP is built on these simple premises

a. Must be affordable
b. Must enable health and wellbeing
c. Must accumulate and retain unused funds for future use.

So we built a platform to incorporate the expressed needs, to be 

a. Transparent
b. Easy to use
c. Regulated and simple but basic rules to follow.
d. Available 24/7 
Enable your health and wellbeing.

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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