(before any rebate or insurer discount)
Covers only one person
Available in NSW & ACT
# You may be entitled to an Australian Government rebate on the above premium. Your premium may also include an insurer discount. Check with your insurer for details.
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Using a preferred provider means you may have lower out of pocket costs and can access more No Gap treatments on dental, plus discounts on some optical purchases. A preferred providers list is available from Australian Unity.
| Note, for items marked with an asterisk *: 1) No waiting period for preventative dental and selected diagnostic services. Treatments claimed as No Gap Dental benefits (where available) do not count to the yearly limit. 2)Full denture replacement limited to once every three years. 3) Gum disease treatment included under Endodontics (12 month waiting period). 4) 70% for chiropractic x-ray, limit one per person per calendar year. 5) Orthotic benefits are for supply only. 6) Travel vaccinations only. | |||
|---|---|---|---|
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
| General dental* | 2 | $700 per policy | Periodic oral examination - 70% of charge Scale & clean - 70% of charge Fluoride treatment - 70% of charge |
| Major dental* | 12 | $700 per policy (combined limit for major dental & endodontic) | Surgical tooth extraction - 70% of charge Full crown veneered - 70% of charge |
| Endodontic* | 12 | Filling of one root canal - 70% of charge | |
| Orthodontic | 12 | $700 per policy $2,400 lifetime limit | Braces for upper & lower teeth, including removal plus fitting of retainer - 100% of charge |
| Optical | 6 | $270 per policy | Single vision lenses & frames - 100% of charge Multi-focal lenses & frames - 100% of charge |
| Non PBS pharmaceuticals | 2 | $500 per policy (combined limit for non pbs pharmaceuticals, psychology, audiology, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, speech therapy & vaccinations) | Per eligible prescription - 70% of charge |
| Physiotherapy | 2 | $600 per policy (combined limit for physiotherapy, chiropractic, exercise physiology & osteopathy) | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Chiropractic* | 2 | Initial visit - 70% of charge Subsequent visit - 70% of charge | |
| Podiatry | 2 | $250 per policy (combined limit for podiatry, acupuncture, remedial massage & orthotics (podiatric orthoses)) | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Psychology | 2 | Combined limit - see Non PBS pharmaceuticals | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Acupuncture | 2 | Combined limit - see Podiatry | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Remedial massage | 2 | Combined limit - see Podiatry | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Audiology | 2 | Combined limit - see Non PBS pharmaceuticals | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Dietetics/dietary advice | 2 | Combined limit - see Non PBS pharmaceuticals | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Exercise physiology | 2 | Combined limit - see Physiotherapy | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Eye therapy (orthoptics) | 2 | Combined limit - see Non PBS pharmaceuticals | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Health management / Healthy lifestyle | 6 | $200 per policy | Health management - 70% of charge |
| Occupational therapy | 2 | Combined limit - see Non PBS pharmaceuticals | Initial visit - $70.00 Subsequent visit - $70.00 |
| Orthotics (podiatric orthoses)* | 12 | Combined limit - see Podiatry | Orthotics supply & fit - 70% of charge |
| Osteopathy | 2 | Combined limit - see Physiotherapy | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Speech therapy | 2 | Combined limit - see Non PBS pharmaceuticals | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Vaccinations* | 0 | Combined limit - see Non PBS pharmaceuticals | Per service - 70% of charge |
| Annual benefit limits apply per calendar year. Myotherapy - 70% of the consultation fee, maximum $250 per person (combined limit - see Podiatry), 2 month waiting period. Braces, Splints and Garments - up to 70% of the cost, maximum $250 per person (combined limit - see Podiatry), 12 month waiting period. There are Preventative Health Services available on this cover. Please refer to the product Fact Sheet or contact Australian Unity for further details. | |||
| Blood glucose monitors | Hearing aids | Other treatments - check with your insurer |
In NSW & ACT 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.