Find out what Rollover Benefits mean for you and your family
Have you ever been told to use your benefits before the year ends?
For our members, that isn't the case. To provide extra protection to our members we have developed our Rollover Benefit to give you greater assurance if something were to happen.
How our unique Rollover Benefit works
Where Rollover Benefit is made available, after you complete your first 12 months of membership, members can carry over any unused Annual Maximum benefit that is not claimed during the previous calendar year into the following year (Noting that claims are always paid from the current year’s Annual Maximum before the Rollover Benefit is accessed. Any unused Annual Maximum benefit from the prior year will not carry forward into the next year).
At most health insurers, Annual Maximums reset every calendar year. For example, if you have a $320 Annual Maximum for Optical in 2019 and you didn't claim for a new pair of glasses, that Annual Maximum would cease on 31 December 2019. On 1 January 2020, you would have $320 available, but that is your Annual Maximum available for that year. The $320 from 2019 has disappeared.
At Emergency Services Health that $320 Annual Maximum would not disappear at the end of the calendar year. Instead, it would roll with you into 2020 giving you access to $640 in benefits in the 2020 calendar year. If you did not use any Annual Maximum in 2020, the available benefits in 2021 will still be $640.
If you were to have a stint of bad luck when it came to your teeth, our Major Dental Rollover Maximum becomes $3,000. And if you were needing extensive rehab after an accident or surgery, the Rollover Maximum available for physiotherapy is $1,700.
Emergency Services Health and our sister fund Police Health are the ONLY private health insurers to offer a Rollover Benefit - allowing you to get more value from your cover.
Rollover Maximum available after 12 months membership with Extras cover, except major dental which requires two years of membership. Rollover Benefit not available on all benefit category Annual Maximums. Contact us for details. Other conditions may apply.
"Best Health Fund Award from me. Professional, friendly service every time! Excellent value and great percentage paid on claims. Easy to submit claims electronically when necessary and benefits paid into account quickly. So pleased we were able to join ESH. Thank you. Definitely 5 star! "
Gayle
Important things to know
The maximum benefit payable for services received during any calendar year for particular services or groups of services per person unless stated otherwise.
Annual limits are the maximum benefit payable for services received during any set period. Generally, most private health funds based this on a calendar year (Jan 1st - 31st December).
Rollovers begin once you've completed your first 12 months membership (two years for Major Dental) Other conditions may also apply.
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