Compliance Quiz: Extras

AHM Lifestyle Extras has which approach to waiting periods?

• Standard waiting periods across all services

• No waiting periods for most extras

• Only optical has a waiting period

• 12-month wait for all services

On a policy that provides 60% back, what would you receive for a $80 physio appointment?

• $60

• $48

• $12

What is a fixed benefit policy?

• Pays a percentage of the service cost

• Pays the same amount regardless of provider charges

• Covers the full service fee

• Adjusts based on location

Which type of cover helps you stretch out your extras limit across the year?

• Fixed benefit policy

• 80% back policy

• Combined with high limits

• Hospital only cover

Which policy offers 100% back on a Check up and Clean through a No-Gap network?

Select all that apply

• HCF Choose My Extras

• Australian Unity Freedom Extras

• AHM Black 60

• RT Health Top Extras

What is a sub-limit in an extras policy?

• A deductible before rebates apply

• A benefit split across multiple members

• A limit within a category for specific services

• A lifetime cap

Which policy provides unlimited emergency ambulance with no waiting period?

• HCF Vital Extras

• Australian Unity Freedom Extras

• AHM Black 60

• All of these

For orthodontics, which offers the highest lifetime limit?

• Australian Unity Freedom Extras

• Australian Unity Top Extras

• HCF Top Extras

• RT Health Top Extras

If a person has already used optical benefits earlier in the year with their previous fund, what happens when switching?

• They can claim again

• Their limit resets

• Previous claims reduce new limits

• They must serve a new waiting period

Are non-PBS pharmaceuticals typically covered under Extras policies?

• Always covered

• Never covered

• Only covered for children

• Sometimes covered, depending on the insurer