Per person limits with SmartCare Extras
Built for your unique needs
With SmartCare Extras, we've built in value right from the start with a focus on per person limits. Health needs are rarely one size fits all, especially within a couple or a family. Your partner might be all about the physio, while you prefer regular chiro sessions, or perhaps the kids need a bit more preventative dental.
SmartCare Extras lets you choose where you spend your Smart Limit. The value is not locked into benefits you don't use, instead, you can use your Smart Limit how you want, whether it's physio, chiro, preventative dental or even mental health support*.
It’s all about putting the power back in your hands, ensuring your extras cover genuinely fits your family's dynamic and changing health needs.
*Psychology and mental health support are available on SmartCare Everyday and Complete Extras.
How the per person limit works
SmartCare Extras simplify benefits with per person limits for all services rather than a mix of per person and per policy limits. Per person limits allows you to use your included extras benefits how you choose and on what you need.
Riccardo and Sarah have SmartCare Everyday Extras combined with hospital cover for a couple. Both Riccardo and Sarah have an Smart Limit of $1,000 each to use on included extras services (optical has its own limit). Riccardo uses his Smart Limit on a preventative dental check-up and some chiropractic appointments.
Sarah uses her $1,000 Smart Limit on podiatry, preventative dental, and remedial massage. As SmartCare Extras includes 100% back on preventative dental, they had no out-of-pocket costs for their dental check-ups this year, and enjoyed 60% back on their podiatry, chiro and remedial massage claims as these were all under their total Smart Limit amount.
After 12 continuous months of this cover, Riccardo and Sarah are eligible for an annual limit rollover, and any unused Smart Limit amount (excluding optical) per person will be rolled over at the next limits reset date (which will start on 1 January).
Families also benefit from per person limits with each person receiving the Smart Limit chosen when joining SmartCare Extras. For example, the Atama family of five are on SmartCare Starter Extras where each person on the cover has $500 Smart Limit to spend each calendar year on physiotherapy, chirotherapy, osteopathy and general dental.
The Atama's also receive 100% back on preventative dental*, so there was no out-of-pocket costs for their dental check-ups this year, and enjoyed 60% back on their other included services under their total Smart Limit amount.
That can equate to a total of $2,500 of value for the whole Atama family…Smart, like SmartCare Extras.
*100% back does not include general dental, major dental and orthodontics.