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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.

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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

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

$56.55*

Monthly
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Comprehensive Extras

Support for the entire family with a range of extras cover including 100% back on selected dental through our No Gap Dental Network up to yearly limits.

$56.55*

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$ after April 1

$26.05*

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

  • General dental including examinations, most fillings and simple extractions

  • Complex and major dental including root canals, surgical extractions, crowns and bridges

  • Physio, optical, natural therapies and more

Extras Fact Sheet

Comprehensive Extras cover

Claim up to $6400 per person, for the first calendar year. Family limits apply

Extras covered

Yearly limits (per person)
/what you get back

Waiting periods

Yearly Dental limits explained

 

To reward our members' loyalty, we increase Dental benefit limits for the first 6 years of membership

$800 per person, first year
$1,600 per family, first year

$800 per person, second year
$1,600 per family, second year

$900 per person, third year
$1,800 per family, third year

$900 per person, fourth year
$1,800 per family, fourth year

$1,000 per person, fifth year
$2,000 per family, fifth year

$1,200 per person, sixth year
$2,400 per family, sixth year

Family limits are shared between all people on the membership but no one person can claim more than the per person limit

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

Up to 100% of the cost per item for orthodontics

A lifetime maximum of $2400 per person applies for orthodontics

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.

General dental

Covers most fillings and simple extractions.

Root canal, gum disease treatments & surgical extractions

 

Crowns, bridges and dentures

 

Orthodontics

 

Yearly Dental limits apply. See above.

0 months

0 months

No waiting period for selected diagnostic services

2 month waiting period includes most fillings and simple tooth extractions

6 months

12 months

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

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.

$200 limit

Up to 100% of the cost per item

6 months

Physiotherapy

Includes ante-natal classes conducted by a private midwife or physiotherapist.

Myotherapy & exercise physiology

 

Combined limit of $500 for physiotherapy, myotherapy & exercise physiology

70% of the consultation fee

2 months

2 months

Chiropractic & osteopathy

 

Combined limit of $500 per person

$1,000 per family

Limit of one chiropractic x-ray per person.

Family limits are shared between all people on the membership but no one person can claim more than the per person limit.

$35 per initial consultation

$24 per subsequent consultation

$30 for a chiropractic x-ray

2 months

Podiatry

Excludes podiatric surgery.

$350 limit

$30 per initial consultation

$27 per subsequent consultation

2 months

Orthotics, splints & braces

Orthotics must be recommended by a podiatrist or medical practitioner and supplied by an approved provider in a private practice. Braces and splints must be recommended by a podiatrist, physiotherapist or medical practitioner and supplied by an approved provider in a private practice.

Combined limit of $300

75% of the cost

12 months

Remedial massage

 

$150 per person

$300 per family

Family limits are shared between all people on the membership but no one person can claim more than the per person limit

$25 per consultation

2 months

Acupuncture

 

$350 limit

$27 per consultation

2 months

Dietetics

 

$350 limit

$35 per initial consultation

$30 per subsequent consultation

2 months

Psychology

 

$400 per person

$800 per family

Family limits are shared between all
people on the membership but no one
person can claim more than the per
person limit

$50 initial consultation

$30 subsequent consultation

2 months

Speech, eye & occupational therapy

 

Combined limit of $350

$35 per consultation

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.

$500 limit

Up to $30 per script

2 months

Travel vaccinations

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

$150 limit

Up to 100% of the cost

0 months

Asthma pumps & peak flow meters

 

Combined limit of $110

Up to 100% of the cost

12 months

Benefit for each item is payable every 2 calendar years.

Blood glucose monitors & blood pressure monitors

 

Combined limit of $220

Up to 100% of the cost

12 months

Benefit for each item is payable every 2 calendar years.

Hearing aids

Includes hearing aid appliance, replacement and repairs.

$550 limit

Up to 100% of the cost

12 months for items

2 months for repairs

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

Non-surgical prostheses

 

Combined limit of $500

75% of the cost per item

12 months

Benefit for each item is payable every 2 calendar years (does not apply to wigs).

Sickness travel & accommodation

Where the minimum return distance is 200km and treatment is certified as necessary by a medical practitioner. Valid receipts must be submitted for payment of benefits.

$120 per membership for travel

$30 per day for travel expenses

$250 per membership for accommodation

$50 per night for accommodation costs

2 months

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.

Comprehensive Extras cover cover

Claim up to $6400 per person, for the first calendar year. Family limits apply

Extras covered

 

Yearly limits (per person)

To reward our members' loyalty, we increase Dental benefit limits for the first 6 years of membership

$800 per person, first year
$1,600 per family, first year

$800 per person, second year
$1,600 per family, second year

$900 per person, third year
$1,800 per family, third year

$900 per person, fourth year
$1,800 per family, fourth year

$1,000 per person, fifth year
$2,000 per family, fifth year

$1,200 per person, sixth year
$2,400 per family, sixth year

Family limits are shared between all people on the membership but no one person can claim more than the per person limit

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

Up to 100% of the cost per item for orthodontics

A lifetime maximum of $2400 per person applies for orthodontics

Waiting Periods

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)

Yearly Dental limits apply. See above.

Waiting Periods

0 months

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

Yearly limits (per person)

Yearly Dental limits apply. See above.

Waiting Periods

0 months

Covers most fillings and simple extractions.

Yearly limits (per person)

Yearly Dental limits apply. See above.

Waiting Periods

No waiting period for selected diagnostic services

2 month waiting period includes most fillings and simple tooth extractions

 

Yearly limits (per person)

Yearly Dental limits apply. See above.

Waiting Periods

6 months

 

Yearly limits (per person)

Yearly Dental limits apply. See above.

Waiting Periods

12 months

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

 

Yearly limits (per person)

Yearly Dental limits apply. See above.

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)

$200 limit

Up to 100% of the cost per item

Waiting Periods

6 months

Includes ante-natal classes conducted by a private midwife or physiotherapist.

Yearly limits (per person)

Combined limit of $500 for physiotherapy, myotherapy & exercise physiology

70% of the consultation fee

Waiting Periods

2 months

 

Yearly limits (per person)

Combined limit of $500 for physiotherapy, myotherapy & exercise physiology

70% of the consultation fee

Waiting Periods

2 months

 

Yearly limits (per person)

Combined limit of $500 per person

$1,000 per family

Limit of one chiropractic x-ray per person.

Family limits are shared between all people on the membership but no one person can claim more than the per person limit.

$35 per initial consultation

$24 per subsequent consultation

$30 for a chiropractic x-ray

Waiting Periods

2 months

Excludes podiatric surgery.

Yearly limits (per person)

$350 limit

$30 per initial consultation

$27 per subsequent consultation

Waiting Periods

2 months

Orthotics must be recommended by a podiatrist or medical practitioner and supplied by an approved provider in a private practice. Braces and splints must be recommended by a podiatrist, physiotherapist or medical practitioner and supplied by an approved provider in a private practice.

Yearly limits (per person)

Combined limit of $300

75% of the cost

Waiting Periods

12 months

 

Yearly limits (per person)

$150 per person

$300 per family

Family limits are shared between all people on the membership but no one person can claim more than the per person limit

$25 per consultation

Waiting Periods

2 months

 

Yearly limits (per person)

$350 limit

$27 per consultation

Waiting Periods

2 months

 

Yearly limits (per person)

$350 limit

$35 per initial consultation

$30 per subsequent consultation

Waiting Periods

2 months

 

Yearly limits (per person)

$400 per person

$800 per family

Family limits are shared between all
people on the membership but no one
person can claim more than the per
person limit

$50 initial consultation

$30 subsequent consultation

Waiting Periods

2 months

 

Yearly limits (per person)

Combined limit of $350

$35 per consultation

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)

$500 limit

Up to $30 per script

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)

$150 limit

Up to 100% of the cost

Waiting Periods

0 months

 

Yearly limits (per person)

Combined limit of $110

Up to 100% of the cost

Waiting Periods

12 months

Benefit for each item is payable every 2 calendar years.

 

Yearly limits (per person)

Combined limit of $220

Up to 100% of the cost

Waiting Periods

12 months

Benefit for each item is payable every 2 calendar years.

Includes hearing aid appliance, replacement and repairs.

Yearly limits (per person)

$550 limit

Up to 100% of the cost

Waiting Periods

12 months for items

2 months for repairs

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

 

Yearly limits (per person)

Combined limit of $500

75% of the cost per item

Waiting Periods

12 months

Benefit for each item is payable every 2 calendar years (does not apply to wigs).

Where the minimum return distance is 200km and treatment is certified as necessary by a medical practitioner. Valid receipts must be submitted for payment of benefits.

Yearly limits (per person)

$120 per membership for travel

$30 per day for travel expenses

$250 per membership for accommodation

$50 per night for accommodation costs

Waiting Periods

2 months

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.
The information on this page is a summary only. Please read the product Fact Sheet to understand the benefits, limits, restrictions, exclusions, waiting periods, pre-existing conditions and excesses that apply, and what it means to be 'Covered' including out-of-pocket costs.

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.

Comprehensive Extras

$56.55*

Connection Timed Out. Please try again.

$ after April 1

$26.05*

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.