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Your price

Providing the following information will help us calculate the price that you would need to pay for your health cover.

My personal details:

My required cover type
I live in
My date of birth
My partner’s date of birth

My income information:

Please enter your income to show pricing inclusive of the Australian Government Rebate (AGR) or select ‘No Rebate’ for no AGR.

 The Australian Government Rebate on private health insurance helps make private health cover more affordable. Your rebate is determined by your income and your age if you are 65 years or over. You can receive your rebate as a reduction to your price or as a rebate on your tax return. 

By providing your estimated income range, we will provide a price for your health cover that includes the Australian Government Rebate. For more information click here.

Estimated annual income range is
If you have dependent children, your income threshold for the rebate increases by $1,500 for each child after the first. To determine whether your child is a dependent for tax purposes or if you want more information about your rebate entitlements or eligibility, please contact your registered tax agent or visit the ATO website.
Please select an annual income range.

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Need help? Call one of our health insurance experts on 13 29 39

Price based on :

Singles cover in VIC. I'm Under 65 with an income $90,000 or less, Rebate Tier 0 and a 4% discount for direct debit.

Advanced 80% Extras

Our highest level of extras cover to help with the cost of looking after your health. Get 80% back on an extensive range of extras up to yearly and lifetime limits.

$117.05*

Connection Timed Out. Please try again.

$ after April 1

$54.00*

Minimum direct debit period

/ Fortnightly

*Assumes 4% discount for direct debit and 0% aged based discount. Any rebate listed above has been factored into the price. First payment is minimum of one month.

Extras cover benefits

  • No yearly limit for preventative dental

  • Get up to $3100 back on general dental, major dental and orthodontics per person, per year. Sublimits and lifetime limits apply.

  • 80% back on our widest range of extras with our highest yearly limits.

Extras Fact Sheet

Advanced 80% Extras cover

Claim up to $8500 per person, per calendar year

Extras covered

Yearly limits (per person)
/what you get back

Waiting periods

No Gap Dental Network

No Gap Dental covers selected services such as scale and clean, fluoride treatment and mouthguards. Please note: No Gap Dental providers are not available in all states and territories.

Preventative dental

Covers selected services such as scale and clean, fluoride treatment and mouthguards.

Unlimited

80% of the cost per item or 100% of the cost for selected services at our No Gap Dental Network

0 months

0 months

General dental

Covers most fillings and simple extractions.

$1,000 limit

80% of the cost per item

0 months for selected diagnostic services

2 months includes most fillings and simple tooth extractions

Root canal, gum disease treatments & surgical extractions

 

$500 limit

80% of the cost per item

6 months

Crowns, bridges and dentures

 

$800 limit

80% of the cost per item

12 months
A full denture replacement is limited to once every three years.

Orthodontics

 

$800 limit

80% of the cost per item

A lifetime maximum of $2400 applies

12 months

Optical

For prescription glasses, contact lenses or repairs provided by a recognised optometrist in private practice. Excludes non-prescription sunglasses and contact lenses, and optical consultations.

$300 limit

80% of the cost per item

6 months

Physiotherapy

Including sports physiotherapy and hydrotherapy.

$600 limit

80% of the consultation fee

2 months

Chiropractic & osteopathy

 

Combined limit of $500

80% of the consultation fee

2 months

Natural therapies

Myotherapy, acupuncture, remedial massage & Chinese medicine

Combined limit of $400

Remedial massage sub-limit is $200

80% of the consultation fee

2 months

Podiatry

Excludes podiatric surgery.

Orthotics

Appliances must be recommended by a podiatrist or medical practitioner and supplied by an approved provider in a private practice.

$600 combined limit for podiatry and orthotics

80% of the consultation fee for podiatry

80% of the cost per item for orthotics

2 months

12 months

Audiology, speech, eye & occupational therapy

 

Combined limit of $600

80% of the consultation fee

2 months

Dietetics

 

$600 limit

80% of the consultation fee

2 months

Psychology

 

$600 limit

80% of the consultation fee

2 months

Pharmacy

For non-PBS prescription pharmaceuticals only, after you pay a sum equal to the current Pharmaceutical Benefits Scheme (PBS) charge. Excludes vitamins, minerals and supplements.

Travel vaccinations

For approved travel vaccines, supplied and administered in Australia prior to departure and for the purpose of overseas travel.

Combined limit of $600 for pharmacy and travel vaccinations

Up to 80% per script for pharmacy

80% of the cost for travel vaccinations

2 months

0 months

Hearing aids

 

Health aids

Must be recommended by a healthcare practitioner.

Health devices

Includes: C-PAP/B-PAP, TENS machines, asthma pump, nebulisers, oral device for sleep apnoea, peak flow meters, blood glucose and blood pressure monitors.

Combined limit of $600 for hearing aids, health aids and health devices

80% of the cost per item

2 months for repairs

12 months for items

Benefit for each item is payable every 3 calendar years (does not apply to repairs).

2 months for hire or purchase of wheelchairs or crutches used in prevention or support post injury.

12 months for braces, splints, garments and non-surgical prostheses. Benefit for each non-surgical prosthesis is payable every 2 calendar years (does not apply to wigs).

12 months

Benefit for selected items is payable every 2 calendar years.

Devices and aids: for a benefit to be paid on some aids and devices, a letter is required (no more than 6 months old) from your treating doctor or health practitioners indicating the medical condition for which the item is required. Aids and devices must be purchased from a Recognised Provider or an Australian organisation. Please call us to check if an item is covered and if a letter is required.

Advanced 80% Extras cover cover

Claim up to $8500 per person, per calendar year

Extras covered

No Gap Dental covers selected services such as scale and clean, fluoride treatment and mouthguards. Please note: No Gap Dental providers are not available in all states and territories.

Yearly limits (per person)

Unlimited

80% of the cost per item or 100% of the cost for selected services at our No Gap Dental Network

Waiting Periods

0 months

Covers selected services such as scale and clean, fluoride treatment and mouthguards.

Yearly limits (per person)

Unlimited

80% of the cost per item or 100% of the cost for selected services at our No Gap Dental Network

Waiting Periods

0 months

Covers most fillings and simple extractions.

Yearly limits (per person)

$1,000 limit

80% of the cost per item

Waiting Periods

0 months for selected diagnostic services

2 months includes most fillings and simple tooth extractions

 

Yearly limits (per person)

$500 limit

80% of the cost per item

Waiting Periods

6 months

 

Yearly limits (per person)

$800 limit

80% of the cost per item

Waiting Periods

12 months
A full denture replacement is limited to once every three years.

 

Yearly limits (per person)

$800 limit

80% of the cost per item

A lifetime maximum of $2400 applies

Waiting Periods

12 months

For prescription glasses, contact lenses or repairs provided by a recognised optometrist in private practice. Excludes non-prescription sunglasses and contact lenses, and optical consultations.

Yearly limits (per person)

$300 limit

80% of the cost per item

Waiting Periods

6 months

Including sports physiotherapy and hydrotherapy.

Yearly limits (per person)

$600 limit

80% of the consultation fee

Waiting Periods

2 months

 

Yearly limits (per person)

Combined limit of $500

80% of the consultation fee

Waiting Periods

2 months

Myotherapy, acupuncture, remedial massage & Chinese medicine

Yearly limits (per person)

Combined limit of $400

Remedial massage sub-limit is $200

80% of the consultation fee

Waiting Periods

2 months

Excludes podiatric surgery.

Yearly limits (per person)

$600 combined limit for podiatry and orthotics

80% of the consultation fee for podiatry

80% of the cost per item for orthotics

Waiting Periods

2 months

Appliances must be recommended by a podiatrist or medical practitioner and supplied by an approved provider in a private practice.

Yearly limits (per person)

$600 combined limit for podiatry and orthotics

80% of the consultation fee for podiatry

80% of the cost per item for orthotics

Waiting Periods

12 months

 

Yearly limits (per person)

Combined limit of $600

80% of the consultation fee

Waiting Periods

2 months

 

Yearly limits (per person)

$600 limit

80% of the consultation fee

Waiting Periods

2 months

 

Yearly limits (per person)

$600 limit

80% of the consultation fee

Waiting Periods

2 months

For non-PBS prescription pharmaceuticals only, after you pay a sum equal to the current Pharmaceutical Benefits Scheme (PBS) charge. Excludes vitamins, minerals and supplements.

Yearly limits (per person)

Combined limit of $600 for pharmacy and travel vaccinations

Up to 80% per script for pharmacy

80% of the cost for travel vaccinations

Waiting Periods

2 months

For approved travel vaccines, supplied and administered in Australia prior to departure and for the purpose of overseas travel.

Yearly limits (per person)

Combined limit of $600 for pharmacy and travel vaccinations

Up to 80% per script for pharmacy

80% of the cost for travel vaccinations

Waiting Periods

0 months

 

Yearly limits (per person)

Combined limit of $600 for hearing aids, health aids and health devices

80% of the cost per item

Waiting Periods

2 months for repairs

12 months for items

Benefit for each item is payable every 3 calendar years (does not apply to repairs).

Must be recommended by a healthcare practitioner.

Yearly limits (per person)

Combined limit of $600 for hearing aids, health aids and health devices

80% of the cost per item

Waiting Periods

2 months for hire or purchase of wheelchairs or crutches used in prevention or support post injury.

12 months for braces, splints, garments and non-surgical prostheses. Benefit for each non-surgical prosthesis is payable every 2 calendar years (does not apply to wigs).

Includes: C-PAP/B-PAP, TENS machines, asthma pump, nebulisers, oral device for sleep apnoea, peak flow meters, blood glucose and blood pressure monitors.

Yearly limits (per person)

Combined limit of $600 for hearing aids, health aids and health devices

80% of the cost per item

Waiting Periods

12 months

Benefit for selected items is payable every 2 calendar years.

Devices and aids: for a benefit to be paid on some aids and devices, a letter is required (no more than 6 months old) from your treating doctor or health practitioners indicating the medical condition for which the item is required. Aids and devices must be purchased from a Recognised Provider or an Australian organisation. Please call us to check if an item is covered and if a letter is required.
f

Enjoy no gap preventative
dental treatments

Get preventative dental treatment with no out-of-pocket costs (up to your yearly limit, depending on your level of cover) when you visit any provider in our No Gap Dental Network.

Covered treatments include :

  • Initial and preventative examination

  • Scale, clean and topical fluoride treatment

  • Custom mouthguards for protection during contact sports

Understanding your Extras Cover

Preventative Health Services can offer practical support to help bring about positive change in members’ lives to help you get and stay healthy. They include things like losing weight, getting fit, quitting smoking, and working with a health coach to improve your general health and wellbeing. You’ll receive personalised and practical support plus information designed to bring about positive change giving you the tools needed to enjoy a longer, healthier and happier life.

To check your eligibility, which providers and programs you are able to use and any waiting periods that may apply, please contact us on 13 29 39. More information can be found here.

Where an Extras cover is taken with Hospital cover, benefits are payable under the Hospital cover only.

Extras cover can help you get money back on common health treatments that aren’t generally covered by Medicare. You’ll get either a percentage of the cost back, or a set dollar amount, on included Extras every time you claim, until you reach your yearly limit. Therefore, you only pay the difference between what you get back from Australian Unity and the cost set by your provider.

Please call us or refer to your Member Guide and Terms & Conditions for further information on how this cover works. If you want more specific information about what you can expect your out-of-pocket costs to be, we recommend you obtain a quote from your provider before undergoing treatment, along with a list of item numbers. You can then contact us or log in to Online Member Services for details of benefits before proceeding with your treatment.

A waiting period is the amount of time you have to wait after joining or upgrading until you can make a claim for a service or treatment.

We only pay benefits when you see a recognised provider in a private practice. Please contact us to check if your provider is recognised by us. Providers recognition conditions apply.

Why choose Australian Unity?

You choose who you see#

With your choice of provider, you can get treated by any health provider who is in private practice and is recognised by Australian Unity. Provider recognition conditions apply.

Read more

Claim sooner when you switch^

Switch to Australian Unity within 30 days of leaving your old fund and we will recognise the waiting periods you've already served.

Read more

Manage your cover online

Log in to make claims, check your remaining limits, make payments, keep your details up to date and more.

Read more

Get rewards and discounts

We offer our members a wide range of ongoing discounts and rewards so you will get more than just great health insurance.

Read more

#Exclusions apply for certain relationships between provider and member.

^Note that previous claims will count towards yearly limits.

What you need to join today

  • Medicare card

  • Payment details

  • Existing cover information (if applicable)

*Assumes 4% discount for direct debit and 0% aged based discount. Any rebate listed above has been factored into the price. First payment is minimum of one month.

Advanced 80% Extras

$117.05*

Connection Timed Out. Please try again.

$ after April 1

$54.00*

Minimum direct debit period

/ Fortnightly

*Assumes 4% discount for direct debit and 0% aged based discount. Any rebate listed above has been factored into the price. First payment is minimum of one month.