Health insurer ahm has confirmed it will again allow eligible policyholders to carry forward unused extras benefits into the new financial year, extending the initiative for a fourth successive year.
Effective July 1, members holding extras cover at the end of the 2024/2025 financial year will automatically receive a rollover of any unclaimed annual limits for services such as dental care, physiotherapy, chiropractic treatment, and psychological support.
The rollover does not apply to optical and orthodontic services, which operate under separate benefit caps, nor does it apply to benefits with non-annual limits.
Customers who purchase eligible extras cover before June 30 will also qualify for the rollover.
Sally Haydon, senior executive at ahm, said the extension of the program reflects the insurer’s response to member behaviour and ongoing demand for flexibility in benefit usage.
“This is the fourth year in a row we’ve rolled over unused extras limits; it's been really popular and something we know our customers value,” she said. “Popular extras services such as dental, chiro, and physio can really add up throughout the year, so this will help our customers get as much value out of their cover as possible.”
She noted that ahm reviews the extras rollover annually to ensure its feasibility and alignment with business goals and customer needs.
Rolled-over limits from the 2024/2025 financial year will be visible to members through their online portals from July 1. Limits carried forward from the 2023/2024 period will not be included in the new rollover.
The announcement coincides with broader shifts in health trends, with new research suggesting Australians are becoming more health-conscious and optimistic about their well-being.
According to the 2025 Bupa Pulse Check, conducted by Quantum Market Research, 30% of respondents said their quality of life had improved over the past year.
The study, which included 2,000 participants nationwide, identified improvements in areas such as mental health, personal finances, fitness, and work-life balance.
Preventive health behaviours are on the rise. The survey found that 71% of Australians remain concerned about chronic health risks, including cancer and cardiovascular disease. More individuals are engaging in healthier lifestyles, adopting habits such as regular exercise, improved diets, and wellness practices like meditation. Physical activity preferences included gym attendance, swimming, and team sports.
Regionally, Tasmania recorded the highest reported quality of life, followed by the ACT, Queensland, and Victoria.
Bupa health insurance managing director Kate Williams said the data suggests a growing commitment among Australians to long-term health maintenance.
“More people are putting themselves first and prioritising self-care. They’re adopting healthier habits such as healthy eating and reducing alcohol and are eager to explore new trends in health and fitness,” she said.
