(before any rebate, loading or discount)
Covers two adults & dependants, including non-student dependants (3 or more people, only 2 of whom are adults)
Available in Western Australia
Closed to new members
# You may be entitled to an Australian Government rebate on the above premium. Your premium may also include a Lifetime Health Cover loading or an insurer discount. Check with your insurer for details.
This policy covers children, students up to and including the age of 30 and non-students up to and including the age of 30, as well as persons with a disability who qualify as a child, student or non-student in these age ranges.
This policy exempts you from the Medicare Levy Surcharge.
This policy does not provide accident cover or benefits for travel and accommodation (outside of hospital).
| Back, neck and spine | Eye (not cataracts) | Miscarriage and termination of pregnancy |
| Blood | Gastrointestinal endoscopy | Pain management |
| Bone, joint and muscle | Gynaecology | Pain management with device |
| Brain and nervous system | Heart and vascular system | Palliative care |
| Breast surgery (medically necessary) | Hernia and appendix | Plastic and reconstructive surgery (medically necessary) |
| Cataracts | Implantation of hearing devices | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Insulin pumps | Rehabilitation |
| Dental surgery | Joint reconstructions | Skin |
| Diabetes management (excluding insulin pumps) | Joint replacements | Sleep studies |
| Dialysis for chronic kidney failure | Kidney and bladder | Tonsils, adenoids and grommets |
| Digestive system | Lung and chest | Weight loss surgery |
| Ear, nose and throat | Male reproductive system | Hospital psychiatric services |
| Assisted reproductive services | Pregnancy and birth |
The benefits paid for hospital treatment will depend on the type of cover you purchase and whether your fund has an agreement in place with the hospital in which you are treated. See ‘Agreement Hospitals’ on privatehealth.gov.au for which hospitals have arrangements with your insurer – https://privatehealth.gov.au/dynamic/agreementhospitals.
Under this policy, you may have to pay out-of-pocket costs above what you get from Medicare or your private health insurer. Before you go to hospital, you should ask your doctors, hospital and health insurer about any out-of-pocket costs that may apply to you.
Excess: You will have to pay an excess of $150 per admission. This is limited to a maximum of $150 per person and $300 per policy per year.
Excess payments do not apply to hospital admissions for dependants.
Co-payments: No co-payments
Waiting periods:
This provider offers 'known gap' or 'no gap' cover for medical bills for this product.
The Medical Costs Finder lets you find out more about the cost of specialist medical services.
Additional Benefits of the cover include: Hospital Substitution Programs, Preventative Health Services and Health Support Programs. Waiting periods may apply. Please refer to the product Fact Sheet or contact Australian Unity for further details.
Our network optical providers offer discounts on some optical purchases. Contact Australian Unity for more details.
| Note, for items marked with an asterisk *: 1) No waiting period for preventative dental and selected diagnostic services. 2) Full denture replacement is limited to once every three years. Surgical teeth extractions and gum disease treatment are included under Endodontics (12-month waiting period). 3) There is a 12 month waiting period on treatment of gum disease and surgical extraction of teeth. 4) Includes $40 for one chiropractic x-ray per person per calendar year. 5) Remedial massage sub-limit of $500 per family. 6) Blood Glucose Monitors Benefits is payable every 2 calendar years. 7) Travel Vaccinations only. | |||
|---|---|---|---|
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
| General dental* | 2 | $1,200 per policy (combined limit for general dental, endodontic & other services) | Periodic oral examination - $37.00 Scale & clean - $40.00 Fluoride treatment - $17.00 Surgical tooth extraction - $84.00 |
| Major dental* | 12 | $350 per person (combined limit for major dental & orthodontic) $2,200 lifetime limit for Orthodontic | Full crown veneered - $470.00 |
| Endodontic* | 12 | Combined limit - see General dental | Filling of one root canal - $83.00 |
| Orthodontic | 12 | Combined limit - see Major dental | Braces for upper & lower teeth, including removal plus fitting of retainer - 100% of charge |
| Optical | 6 | $200 per person | Single vision lenses & frames - 100% of charge Multi-focal lenses & frames - 100% of charge |
| Non PBS pharmaceuticals | 2 | $350 per person | Per eligible prescription - $20.00 |
| Physiotherapy | 2 | $1,000 per policy (combined limit for physiotherapy, acupuncture, remedial massage & other services - Sub-limits apply) | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Chiropractic* | 2 | $700 per policy (combined limit for chiropractic & osteopathy) | Initial visit - $40.00 Subsequent visit - $40.00 |
| Psychology | 2 | $600 per policy (combined limit for psychology & dietetics/dietary advice) | Initial visit - $40.00 Subsequent visit - $40.00 |
| Acupuncture | 2 | Combined limit - see Physiotherapy | Initial visit - $40.00 Subsequent visit - $40.00 |
| Remedial massage* | 2 | Combined limit - see Physiotherapy | Initial visit - $40.00 Subsequent visit - $40.00 |
| Blood glucose monitors* | 12 | $200 per person | Per monitor - $200.00 |
| Dietetics/dietary advice | 2 | Combined limit - see Psychology | Initial visit - $40.00 Subsequent visit - $40.00 |
| Osteopathy | 2 | Combined limit - see Chiropractic | Initial visit - $40.00 Subsequent visit - $40.00 |
| Vaccinations* | 0 | $150 per person | Per service - 100% of charge |
| Annual benefit limits apply per calendar year. Policy limits are shared between all people on the membership. Increased Major Dental and Orthodontic combined benefit limits for the first 6 years of continuous membership: $350 per person first year, $400 per person second year, $450 per person third year, $450 per person fourth year, $900 per person fifth year, $1,000 per person sixth year. Myotherapy, 70% of the consultation fee, Combined maximum of $1,000 per family (Combined limit - see Physiotherapy), 2 month waiting period. Asthma Pumps 100% of the cost up to $100 per person, 12 month waiting period, Benefit for Asthma Pumps is payable every 2 calendar years. Please refer to the product Fact Sheet or contact Australian Unity for further details. | |||
| Hearing aids | Podiatry | Other treatments - check with your insurer |
Please refer to the product Fact Sheet or contact Australian Unity for further details.
In Western Australia this policy provides:
Emergency: Unlimited with no waiting period.
Call-out fees: will be paid for each attendance, including emergency treatment without transport to hospital.
Despite the above, call-out fees where you're not taken to hospital are limited to 2 ambulance attendances per-person per-calendar year. Please note: This cover doesn't include non-emergency ambulance transportation. Emergency ambulance transportation to hospital is only covered if transport is coded and invoiced as emergency transport by a state/territory ambulance service/authority. Some authorities provide certain ambulance services at no cost to eligible residents. Refer to your local ambulance provider for more information. Australian Unity won't pay a Benefit if you're eligible to claim from, or are covered by, another source. Australian Unity doesn't pay a benefit towards ambulance subscription services.
The information contained in this Private Health Information Statement was provided by the insurer and is intended as general information. It may not take into account your particular circumstances. For information please contact the insurer.
For information on what is covered under each category, see https://www.privatehealth.gov.au/categories
Restricted categories partially cover your hospital costs as a private patient in a public hospital. You may incur significant expenses in a private room or private hospital.
These categories are not covered by this policy.