Guide
When does my extras reset? Fund by fund, 2026–27
Most Australian health funds reset extras limits on 1 January. Two large funds reset on 1 July instead, and a few covers roll unused limits into the next year. The table below gives the date each fund publishes, with a link to the fund’s own wording. Limits also differ by product, so after you find your fund, check your own cover in the fund’s app or by calling them.
Fund by fund
Checked on each fund’s own site, .
Bupa
Extras limits reset: 1 January
Unused limits roll over: No. Unused amounts do not roll over to the next year.
Medibank
Extras limits reset: 1 January, most services
Unused limits roll over: No. Unused annual limits do not carry over.
ahm
Extras limits reset: 1 July, most limits (financial year)
Unused limits roll over: Some covers. ahm says most limits reset or roll over on 1 July. Some services run on a rolling year from the date of service.
HCF
Extras limits reset: 1 January, most limits
Unused limits roll over: Not stated. Some items, such as dentures and hearing aids, run on longer cycles.
nib
Extras limits reset: 1 January
Unused limits roll over: Not stated. Claims can be lodged up to two years after the service.
HBF
Extras limits reset: 1 January
Unused limits roll over: Not stated.
Australian Unity
Extras limits reset: 1 January
Unused limits roll over: No. Extras benefits expire at midnight on 31 December.
Teachers Health
Extras limits reset: 1 January, normally
Unused limits roll over: No, apart from a one-off rollover from 2021 into 2022.
GMHBA
Extras limits reset: 1 January
Unused limits roll over: Yes, on SmartCare Boost Extras held with eligible hospital cover for 12 months. Rolled amounts last 12 months and optical is excluded. Standalone extras: no.
CBHS
Extras limits reset: 1 January
Unused limits roll over: Not stated. Some items run on three- or five-year periods from the date of service.
Defence Health
Extras limits reset: 1 July, most limits
Unused limits roll over: Not stated.
| Fund | Extras limits reset | Unused limits roll over | Source |
|---|---|---|---|
| Bupa | 1 January | No. Unused amounts do not roll over to the next year. | bupa.com.au |
| Medibank | 1 January, most services | No. Unused annual limits do not carry over. | medibank.com.au |
| ahm | 1 July, most limits (financial year) | Some covers. ahm says most limits reset or roll over on 1 July. Some services run on a rolling year from the date of service. | ahm.com.au |
| HCF | 1 January, most limits | Not stated. Some items, such as dentures and hearing aids, run on longer cycles. | hcf.com.au |
| nib | 1 January | Not stated. Claims can be lodged up to two years after the service. | nib.com.au |
| HBF | 1 January | Not stated. | hbf.com.au |
| Australian Unity | 1 January | No. Extras benefits expire at midnight on 31 December. | australianunity.com.au |
| Teachers Health | 1 January, normally | No, apart from a one-off rollover from 2021 into 2022. | teachershealth.com.au |
| GMHBA | 1 January | Yes, on SmartCare Boost Extras held with eligible hospital cover for 12 months. Rolled amounts last 12 months and optical is excluded. Standalone extras: no. | gmhba.com.au |
| CBHS | 1 January | Not stated. Some items run on three- or five-year periods from the date of service. | cbhs.com.au |
| Defence Health | 1 July, most limits | Not stated. | defencehealth.com.au (PDF) |
Not listed: frank, Westfund, HIF, Police Health, Latrobe, Navy Health, Health Partners, Peoples Care, Doctors’ Health Fund and health.com.au. A fund is added here once its own page has been read, not from a comparison table.
What counts as extras for physio, remedial massage and myotherapy
Physiotherapy is an extras service on most covers. Your fund pays a set amount per visit, up to a yearly limit, against the treating physiotherapist’s provider number.
Remedial massage and myotherapy are extras services on many covers, often sharing a limit with other therapies. Funds pay only for a therapist they recognise, and recognition can be specific to one service: nib gives the example of a provider recognised for acupuncture but not for remedial massage. Medibank asks members to check that the therapist has a current Medibank provider number before they book.
Every appointment on Haylo names the practitioner, so you can check that name with your fund first. Haylo is not a health fund and cannot tell you what your cover pays. Your fund’s app or member line can.
Booking
Search Haylo for physio, remedial massage and myotherapy appointments near Melbourne’s bayside. Same-day openings show whenever a clinic has one.