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Compare Extras cover
Find the right level of cover for your needs
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Cover requirements
Cover requirements
Basic Extras
$2200*
Cover for the basics including preventative and general dental, physio, optical and remedial massage.
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Preventative dentalCovers selected services such as scale and clean, fluoride treatment and mouthguards.
$350 combined limit with general dental and root canal, gum disease treatments & surgical extractions -
General dentalCovers most fillings and simple extractions.
$350 combined limit with preventative dental and root canal, gum disease treatments & surgical extractions -
Root canal, gum disease treatments & surgical extractions
$350 combined limit with general dental and preventative dental -
OpticalFor prescription glasses, contact lenses or repairs provided by a recognised optometrist in private practice.
Excludes non-prescription sunglasses and contact lenses, and optical consultations.
$150 limit -
PhysiotherapyIncluding sports physiotherapy and hydrotherapy.
$350 combined limit with chiropractic & osteopathy, remedial massage, and myotherapy & acupuncture -
Chiropractic & osteopathy
$350 combined limit with physiotherapy, remedial massage, and myotherapy & acupuncture -
Remedial massage
$100 sub-limit, $350 combined limit with physiotherapy, chiropractic & osteopathy, and myotherapy & acupuncture
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Preventative dentalCovers selected services such as scale and clean, fluoride treatment and mouthguards.
$350 combined limit with general dental and root canal, gum disease treatments & surgical extractions -
General dentalCovers most fillings and simple extractions.
$350 combined limit with preventative dental and root canal, gum disease treatments & surgical extractions -
Root canal, gum disease treatments & surgical extractions
$350 combined limit with general dental and preventative dental
-
OpticalFor prescription glasses, contact lenses or repairs provided by a recognised optometrist in private practice.
Excludes non-prescription sunglasses and contact lenses, and optical consultations.
$150 limit
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PhysiotherapyIncluding sports physiotherapy and hydrotherapy.
$350 combined limit with chiropractic & osteopathy, remedial massage, and myotherapy & acupuncture -
Chiropractic & osteopathy
$350 combined limit with physiotherapy, remedial massage, and myotherapy & acupuncture -
Remedial massage
$100 sub-limit, $350 combined limit with physiotherapy, chiropractic & osteopathy, and myotherapy & acupuncture -
Myotherapy & acupuncture
$350 combined limit with physiotherapy, chiropractic & osteopathy, and remedial massage
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PharmacyFor non-PBS prescription pharmaceuticals only, after you pay a sum equal to the current Pharmaceutical Benefits Scheme (PBS) charge.
Excludes vitamins, minerals and supplements.
$100 combined limit with travel vaccinations -
Travel vaccinationsFor approved travel vaccines, supplied and administered in Australia prior to departure and for the purpose of overseas travel.
$100 combined limit with pharmacy
Standard Extras
$3365*
Essential care for popular extras with 60% back on general and preventative dental, physio, chiro and remedial massage up to yearly limits.
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Preventative dentalCovers selected services such as scale and clean, fluoride treatment and mouthguards.
$600 combined limit with general dental, root canal, gum disease treatments & surgical extractions, and crowns, bridges and dentures -
General dentalCovers most fillings and simple extractions.
$600 combined limit with preventative dental, root canal, gum disease treatments & surgical extractions, and crowns, bridges and dentures -
Root canal, gum disease treatments & surgical extractions
$600 combined limit with general dental, preventative dental, and crowns, bridges and dentures -
OpticalFor 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 -
PhysiotherapyIncluding sports physiotherapy and hydrotherapy.
$400 combined limit with chiropractic & osteopathy, remedial massage, and myotherapy & acupuncture -
Chiropractic & osteopathy
$400 combined limit with physiotherapy, remedial massage, and myotherapy & acupuncture -
Remedial massage
$200 combined sub-limit with myotherapy & acupuncture. $400 combined limit with physiotherapy, chiropractic & osteopathy, and myotherapy & acupuncture
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Preventative dentalCovers selected services such as scale and clean, fluoride treatment and mouthguards.
$600 combined limit with general dental, root canal, gum disease treatments & surgical extractions, and crowns, bridges and dentures -
General dentalCovers most fillings and simple extractions.
$600 combined limit with preventative dental, root canal, gum disease treatments & surgical extractions, and crowns, bridges and dentures -
Root canal, gum disease treatments & surgical extractions
$600 combined limit with general dental, preventative dental, and crowns, bridges and dentures -
Crowns, bridges and denturesA full denture replacement is limited to once every three years.
$300 sub-limit, $600 combined limit with preventative dental, root canal, gum disease treatments & surgical extractions, and general dental
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OpticalFor 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
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PhysiotherapyIncluding sports physiotherapy and hydrotherapy.
$400 combined limit with chiropractic & osteopathy, remedial massage, and myotherapy & acupuncture -
Chiropractic & osteopathy
$400 combined limit with physiotherapy, remedial massage, and myotherapy & acupuncture -
Remedial massage
$200 combined sub-limit with myotherapy & acupuncture. $400 combined limit with physiotherapy, chiropractic & osteopathy, and myotherapy & acupuncture -
Myotherapy & acupuncture
$200 combined sub-limit with remedial massage. $400 combined limit with physiotherapy, chiropractic & osteopathy, and remedial massage
Intermediate Extras
$5235*
Mid-level coverage offering 100% back on optical and on selected dental services up to yearly limits through our No Gap Dental Network.
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No Gap Dental NetworkNo 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.
$600 combined limit with general dental and preventative dental -
Preventative dentalCovers selected services such as scale and clean, fluoride treatment and mouthguards.
$600 combined limit with No Gap Dental Network and general dental -
General dentalCovers most fillings and simple extractions.
$600 combined limit with No Gap Dental Network and preventative dental -
Root canal, gum disease treatments & surgical extractions
$300 limit -
OpticalFor 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 -
PhysiotherapyIncluding sports physiotherapy and hydrotherapy.
$400 combined limit with chiropractic & osteopathy -
Chiropractic & osteopathy
$400 combined limit with physiotherapy -
PodiatryExcludes podiatric surgery.
$300 limit
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No Gap Dental NetworkNo 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.
$600 combined limit with general dental and preventative dental -
Preventative dentalCovers selected services such as scale and clean, fluoride treatment and mouthguards.
$600 combined limit with No Gap Dental Network and general dental -
General dentalCovers most fillings and simple extractions.
$600 combined limit with No Gap Dental Network and preventative dental -
Root canal, gum disease treatments & surgical extractions
$300 limit -
Crowns, bridges and denturesA full denture replacement is limited to once every three years.
$500 limit
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OpticalFor 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
-
PhysiotherapyIncluding sports physiotherapy and hydrotherapy.
$400 combined limit with chiropractic & osteopathy -
Chiropractic & osteopathy
$400 combined limit with physiotherapy -
Natural therapies
Myotherapy, acupuncture & remedial massageCombined limit of $300. Remedial massage sub-limit is $150 -
PodiatryExcludes podiatric surgery.
$300 limit
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Dietetics
$300 limit -
Health aidsFor hire or purchase of wheelchairs or crutches used in prevention or support post injury when recommended by a healthcare practitioner.
And for braces, splints, garments and non-surgical prostheses when recommended by a healthcare practitioner.
Benefit for each non-surgical prosthesis is payable every 2 calendar years (does not apply to wigs).
Combined limit of $500
Comprehensive Extras
$5655*
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.
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OpticalFor 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 -
PhysiotherapyIncludes ante-natal classes conducted by a private midwife or physiotherapist
$500 combined limit with myotherapy and exercise physiology -
Chiropractic & osteopathyLimit 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.
$500 per person up to $1000 per family -
PodiatryExcludes podiatric surgery.
$350 limit -
Remedial massageFamily limits are shared between all people on the membership but no one person can claim more than the per person limit.
$150 per person up to $300 per family
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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 NetworkNo 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. Family limits are shared between all people on the membership but no one person can claim more than the per person limit.
$800 per person up to a maximum of $1600 per family for the first year combined limit with general dental, preventative dental, root canal, gum disease treatments & surgical extractions, crowns, bridges & dentures, and orthodontics -
Preventative dentalCovers selected services such as scale and clean, fluoride treatment and mouthguards.
Family limits are shared between all people on the membership but no one person can claim more than the per person limit.
$800 per person up to a maximum of $1600 per family for the first year combined limit with No Gap Dental Network, general dental, root canal, gum disease treatments & surgical extractions, crowns, bridges & dentures, and orthodontics -
General dentalCovers most fillings and simple extractions.
Family limits are shared between all people on the membership but no one person can claim more than the per person limit.
$800 per person up to a maximum of $1600 per family for the first year combined limit with No Gap Dental Network, preventative dental, root canal, gum disease treatments & surgical extractions, crowns, bridges & dentures, and orthodontics -
Root canal, gum disease treatments & surgical extractions
$800 per person up to a maximum of $1600 per family for the first year combined limit with No Gap Dental Network, general dental, preventative dental, crowns, bridges & dentures, and orthodontics -
Crowns, bridges and denturesA full denture replacement is limited to once every three years.
Family limits are shared between all people on the membership but no one person can claim more than the per person limit.
$800 per person up to a maximum of $1600 per family for the first year combined limit with No Gap Dental Network, general dental, preventative dental, root canal, gum disease treatments & surgical extractions, and orthodontics -
OrthodonticsFamily limits are shared between all people on the membership but no one person can claim more than the per person limit.
$800 per person up to a maximum of $1600 per family for the first year combined limit with No Gap Dental Network, general dental, preventative dental, root canal, gum disease treatments & surgical extractions, and crowns, bridges & dentures A lifetime maximum of $2400 per person applies.
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OpticalFor 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
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PhysiotherapyIncludes ante-natal classes conducted by a private midwife or physiotherapist
$500 combined limit with myotherapy and exercise physiology -
Myotherapy & exercise physiology
$500 combined limit with physiotherapy -
Chiropractic & osteopathyLimit 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.
$500 per person up to $1000 per family -
PodiatryExcludes podiatric surgery.
$350 limit -
Orthotics, splints & bracesOrthotics 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.
$300 combined limit
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Remedial massageFamily limits are shared between all people on the membership but no one person can claim more than the per person limit.
$150 per person up to $300 per family -
Acupuncture
$350 limit -
Dietetics
$350 limit -
PsychologyFamily limits are shared between all people on the membership but no one person can claim more than the per person limit.
$400 per person up to $800 per family -
Speech, eye & occupational therapy
$350 combined limit -
PharmacyFor 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 -
Travel vaccinationsFor approved travel vaccines, supplied and administered in Australia prior to departure and for the purpose of overseas travel.
$150 limit -
Asthma pumps & peak flow metersBenefit for each item is payable every 2 calendar years
Combined limit of $110 -
Blood glucose monitors & blood pressure monitors
Combined limit of $220 -
Hearing aidsIncludes hearing aid appliance, replacement and repairs.
Benefit for each item is payable every 3 calendar years (does not apply to repairs).
$550 limit -
Non-surgical prosthesesBenefit for each item is payable every 2 calendar years (does not apply to wigs).
Combined limit of $500 -
Sickness travel & accommodationWhere 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. $250 per membership for accommodation
Classic Extras
$6280*
Comprehensive care for a wide range of extras including dental & orthodontics, physio, chiro, and natural therapies.
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No Gap Dental NetworkNo 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.
$800 combined limit with general dental and preventative dental -
Preventative dentalCovers selected services such as scale and clean, fluoride treatment and mouthguards.
$800 combined limit with No Gap Dental Network and general dental -
General dentalCovers most fillings and simple extractions.
$800 combined limit with No Gap Dental Network and preventative dental -
OpticalFor 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 -
PhysiotherapyIncluding sports physiotherapy and hydrotherapy.
$500 combined limit with chiropractic & osteopathy -
Chiropractic & osteopathy
$500 combined limit with physiotherapy -
PodiatryExcludes podiatric surgery.
$350 combined limit with orthotics
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No Gap Dental NetworkNo 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.
$800 combined limit with general dental and preventative dental -
Preventative dentalCovers selected services such as scale and clean, fluoride treatment and mouthguards.
$800 combined limit with No Gap Dental Network and general dental -
General dentalCovers most fillings and simple extractions.
$800 combined limit with No Gap Dental Network and preventative dental -
Root canal, gum disease treatments & surgical extractions
$400 limit -
Crowns, bridges and denturesA full denture replacement is limited to once every three years.
$600 limit -
Orthodontics
$600 limit. A lifetime maximum of $2,400 per person applies.
-
OpticalFor 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
-
PhysiotherapyIncluding sports physiotherapy and hydrotherapy.
$500 combined limit with chiropractic & osteopathy -
Chiropractic & osteopathy
$500 combined limit with physiotherapy -
Natural therapies
Myotherapy, acupuncture & remedial massageCombined limit of $350. Remedial massage sub-limit is $150 -
PodiatryExcludes podiatric surgery.
$350 combined limit with orthotics -
OrthoticsAppliances must be recommended by a podiatrist or medical practitioner and supplied by an approved provider in a private practice.
$350 combined limit with podiatry
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Dietetics
$300 limit -
Psychology
$350 limit -
Speech, eye & occupational therapy
$350 combined limit -
PharmacyFor non-PBS prescription pharmaceuticals only, after you pay a sum equal to the current Pharmaceutical Benefits Scheme (PBS) charge.
Excludes vitamins, minerals and supplements.
$400 limit -
Travel vaccinationsFor approved travel vaccines, supplied and administered in Australia prior to departure and for the purpose of overseas travel.
$150 limit -
Asthma pumps & peak flow metersBenefit for each item is payable every 2 calendar years.
Combined limit of $110 -
Blood glucose monitors & blood pressure monitorsBenefit for each items is payable every 2 calendar years.
Combined limit of $220 -
Hearing aidsIncludes hearing aid appliance, replacement and repairs.
Benefit for each item is payable every 3 calendar years (does not apply to repairs).
$550 limit -
Health aidsFor hire or purchase of wheelchairs or crutches used in prevention or support post injury when recommended by a healthcare practitioner.
And for braces, splints, garments and non-surgical prostheses when recommended by a healthcare practitioner.
Benefit for each non-surgical prosthesis is payable every 2 calendar years (does not apply to wigs).
$500 limit
Advanced 80% Extras
$12500*
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.
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No Gap Dental NetworkNo 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.
Unlimited -
Preventative dentalCovers selected services such as scale and clean, fluoride treatment and mouthguards.
Unlimited -
General dentalCovers most fillings and simple extractions.
$1,000 limit -
Root canal, gum disease treatments & surgical extractions
$500 limit -
OpticalFor 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 -
PhysiotherapyIncluding sports physiotherapy and hydrotherapy.
$600 limit -
Chiropractic & osteopathy
$500 combined limit -
PodiatryExcludes podiatric surgery.
$600 combined limit with orthotics
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No Gap Dental NetworkNo 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.
Unlimited -
Preventative dentalCovers selected services such as scale and clean, fluoride treatment and mouthguards.
Unlimited -
General dentalCovers most fillings and simple extractions.
$1,000 limit -
Root canal, gum disease treatments & surgical extractions
$500 limit -
Crowns, bridges and denturesA full denture replacement is limited to once every three years.
$800 limit. -
Orthodontics
$800 limit. A lifetime maximum of $2,400 per person applies.
-
OpticalFor 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
-
PhysiotherapyIncluding sports physiotherapy and hydrotherapy.
$600 limit -
Chiropractic & osteopathy
$500 combined limit -
Natural therapies
Myotherapy, acupuncture, remedial massage & Chinese medicineCombined limit of $400. Remedial massage sub-limit is $200 -
PodiatryExcludes podiatric surgery.
$600 combined limit with orthotics -
OrthoticsAppliances must be recommended by a podiatrist or medical practitioner and supplied by an approved provider in a private practice.
$600 combined limit with podiatry
-
Audiology, speech, eye & occupational therapy
$600 combined limit -
Dietetics
$600 limit -
Psychology
$600 limit -
PharmacyFor non-PBS prescription pharmaceuticals only, after you pay a sum equal to the current Pharmaceutical Benefits Scheme (PBS) charge.
Excludes vitamins, minerals and supplements.
$600 combined limit with travel vaccinations -
Travel vaccinationsFor approved travel vaccines, supplied and administered in Australia prior to departure and for the purpose of overseas travel.
$600 combined limit with pharmacy -
Hearing aidsBenefit for each item is payable every 3 calendar years (does not apply to repairs).
$600 combined limit with health aids & health devices -
Health aidsFor hire or purchase of wheelchairs or crutches used in prevention or support post injury when recommended by a healthcare practitioner.
And for braces, splints, garments and non-surgical prostheses when recommended by a healthcare practitioner.
Benefit for each non-surgical prosthesis is payable every 2 calendar years (does not apply to wigs).
$600 combined limit with hearing aids & health devices -
Health devicesIncludes: C-PAP/B-PAP, TENS machines, Asthma Pump, Nebulisers, Oral Device for Sleep Apnoea, Peak Flow Meters, Blood Glucose and Blood Pressure Monitors.
Benefit for selected items is payable every 2 calendar years.
$600 combined limit with hearing aids & health aids
*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.
^ Waiting periods and yearly limits may apply.
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.
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.
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.