Health claims

Extras: dental, physio and optical: what to do and what to gather

Annual limits and waiting periods catch people out. Check yours first.

Do this first

1. Check your extras limits and waiting periods Each service usually has its own annual limit and per-visit cap.
2. Ask if your provider can claim on the spot Many providers can claim for you at the counter. Otherwise keep the receipt.
3. Keep the itemised receipt It should show the provider, the service, the date and what you paid.
4. Submit any claim you couldn't make at the counter Through your fund's app, website or by post.

Who to tell

• Your health fund: Submit the claim, or check how much of your annual limit is left.

What to gather

• An itemised receipt from the provider. A card receipt alone usually isn't enough.
• The service, the date and the provider's details. Funds ask for provider numbers.
• Your remaining annual limit for that service. Tells you what the fund will pay.

Things that catch people out

• Waiting periods may apply even if you've been a member for a while, particularly for newer or upgraded cover.
• Limits often reset on 1 January or on your policy anniversary. Check which applies to you.

General guidance only. It isn't your insurer's requirements or financial advice. Always check your policy documents and your insurer's instructions.