Boost your extras with hospital cover

Don't let your unused extras benefits disappear at the end of the year. Join GMHBA SmartCare Extras with eligible hospital cover^* and maintain continuous cover for a minimum of 12 months, you get to rollover^{^} any unused extras limits into the next calendar year.

We call it "annual limit rollover" and instead of losing your unused extras limits for services like physio, dental, or chiro (unfortunately not optical), you get to carry them over into the next benefit year.

*Available when SmartCare Extras are combined with eligible hospital cover.
^Unused eligible annual limits roll over on January 1st and expire after 12 months.

Let’s break down some key details

What’s a Smart Limit?

A Smart Limit is an annual limit that you can choose how to spend across included services (such as general dental, physio, chiro and osteo) per person, per calendar year. Annual limits, including Smart Limits, reset and/or rollover on 1 January.

SmartCare Extras can be taken out with or without sub-limits. If you choose to have SmartCare Extras with sub-limits, you can claim up to a certain amount ($250, $500 or $750 depending on the level of cover) for each service up to your total Smart Limit.

Annual limit rollover eligibility

To be eligible for the annual limit rollover, you’ll need to hold continuous SmartCare Boost Extras cover at the same level (Starter, Everyday or Complete) for a minimum of 12 months. Eligible members can then have their unused annual limits for included extras services carried over into the next calendar year on 1 January and access these for a further 12 months.

Accessing unused limits

At the end of your benefit period on 31 December, if you are eligible for annual limit rollover (see above) and haven't used your full annual limit for an eligible service, the unused amount will "roll over" into the next calendar year. The current year’s annual limit must be reached first before you can access the remaining annual limit rolled over from the previous calendar year. 

Accumulation (one year only)

It’s important to note that rolled-over benefits don't accumulate indefinitely. They combine with your new annual limits for the upcoming year, effectively giving you a higher total limit to use from 1 January to 31 December. Amounts rolled over from the previous year will not roll over again at the next limits reset date.

Usage priority

When you claim in a new year that has rolled-over limits, GMHBA will use your current year's annual limit first, and then access your rolled-over limit only once the current year's limit is exhausted.

Waiting periods

While your annual limits will reset on 1 January whether you are on SmartCare Extras or SmartCare Boost Extras, keep in mind that waiting periods still apply. For most GMHBA extras services, there's a 2-month waiting period, and for major dental, orthodontics and some other services it's 12 months. So, while you might have the "limit" available, you won't be able to claim for services until you've served the relevant waiting period. For more specific details about waiting periods, view the fact sheet for your cover.