Benefits and entitlements

You can claim for most benefits as soon as your plan starts and once you’ve received the treatment or service. However, some benefits may have a qualifying period or exclusions for pre-existing conditions.

What’s a qualifying period?

This is the minimum amount of time you need to wait before you can make a claim for certain benefits. This means any treatment you receive before your plan starts, or during the qualifying period won’t be covered under that benefit.

What’s a pre-existing condition?

A pre-existing condition refers to any treatment, diagnosis, or medical/dental issue that was already discussed, documented, or diagnosed before your plan started, or during any qualifying period.

To see if any of these rules apply to your benefits, please check your Terms and Conditions. If you’re using the SimplyPlan app, you’ll need to tap ‘My Documents’ and then 'Terms and Conditions’ to view your full benefit details and exclusions.

Your benefits and entitlements reset at your renewal date. You can check when your renewal date is in your online account, or for future reference, sign in and go to ‘My Policies’. Your renewal date is shown at the top of the page.

If you haven't registered for an online account yet, you can do so here.

We also have a helpful guide providing step-by-step instructions on registering and using your online account.

Find how much entitlement you have left under each benefit in your SimplyPlan app or online account. Just go to 'My Entitlements' from the homepage.

This will show you what benefits are included as part of your plan.

Use the filters to select anyone named on your plan and the claiming year you want to check. Then you can see how much that person has left to claim in the selected claiming year.

You'll find all your policy documents in one place, in your SimplyPlan app or online account. Just tap 'My Documents' from the homepage.

We’ve been providing health plans for a long time and, over the years, our products have changed. This means some of our customers have plans that we no longer sell.

Whilst we promote the plans we’re currently offering to new customers on our website, it’s easy to check the cover you have in place through the 'My Documents' section in your online account.

Make sure you have cover in place that suits you and your family. If you'd like to talk to us about reviewing your plan, send us a message, and our dedicated team will be able to help.

If you haven’t used all your entitlements, you cannot carry them over into the next year.

All of our health plans work by providing you with an annual entitlement you can claim back for each benefit during your plan year. At your renewal date, your entitlements are refreshed.

Don't worry if you've forgotten to make a claim, we don't close your entitlements off. You can still make claims on previous years' entitlements if you had treatment during that time and had entitlement remaining to claim back.

Find out what benefits are included as part of your plan using the SimplyPlan app or your online account. Just go to 'My Entitlements' from the homepage.

Use the filters to select anyone named on your plan and the claiming year you want to check. Then you can see how much that person has left to claim in the selected claiming year.

Alternatively, refer to your Table of Cover, by selecting 'My Documents' from the homepage'.