Australian Unity
Active Choice (Silver Plus)
Australian Unity
How $394.43 is worked out
- Premium as filed - $519.80 a month
- Government rebate - 24.1% of the premium (never of the loading): -$125.37
- A month - $394.43
Go to insurer no commission on this policy
Hospital: what is covered
Covered (29)
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Joint reconstructions
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Palliative care
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Rehabilitation
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
Restricted (1)
- Hospital psychiatric services
Not covered (8)
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Insulin pumps
- Joint replacements
- Pain management with device
- Pregnancy and birth
- Weight loss surgery
Restricted means partially covered for hospital costs as a private patient in a public hospital; in a private room or private hospital you may face significant expenses.
Excess, waiting periods and hospital
- Tier - Silver Plus
- Hospital - Private hospital, or a shared room in a public hospital
- Excess - Capped per person and per policy per year. $750 per person a year. $1,500 per policy a year.
- Co-payments - None.
- Known gap - Yes, with the fund's doctors
- Age-based discount - Not offered
- Accident cover - Yes
- Travel and accommodation benefits - No
Waiting periods
- Most treatments - 2 months
- Existing conditions - 12 months
- Rehabilitation, psychiatric and palliative care - 2 months
As filed by the insurer: Day surgery excess is limited to half the total per person excess (where no overnight stay). If the total per person excess isn’t paid after your first hospital admission you will pay the balance on any subsequent admission(s) within the calendar year. Additional Benefits of the cover: 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.
Extras: what you get back
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| General dental * | 2 months | Check-up (item 012): 50% back; Scale and clean (item 114): 50% back; Fluoride treatment (item 121): 50% back; Tooth extraction (item 322): 50% back | $800 per person a year, $1,600 per policy a year (shared with other services) |
| Major dental * | 12 months | Crown (item 615): 50% back | $800 per person a year, $1,600 per policy a year (shared with other services) |
| Root canal * | 12 months | Root canal (item 417): 50% back | $800 per person a year, $1,600 per policy a year (shared with other services) |
| Braces | 12 months | Braces, upper and lower, with a retainer (item 881): 100% back | $600 per person a year, $1,200 per policy a year, $1,800 lifetime |
| Glasses and contact lenses | 6 months | Single vision glasses: 100% back; Multifocal glasses: 100% back | $200 per person a year, $400 per policy a year |
| Prescriptions not on the PBS | 2 months | Prescription: $40.00 | $300 per person a year, $600 per policy a year (shared with other services) |
| Physiotherapy | 2 months | First visit: $50.00; Follow-up visit: $50.00 | $400 per person a year, $800 per policy a year (shared with other services) |
| Chiropractic * | 2 months | First visit: $40.00; Follow-up visit: $40.00 | $200 per person a year, $400 per policy a year (shared with other services) |
| Podiatry | 2 months | First visit: $40.00; Follow-up visit: $40.00 | $300 per person a year, $600 per policy a year (shared with other services) |
| Psychology | 2 months | First visit: $80.00; Follow-up visit: $80.00 | $200 per person a year, $400 per policy a year |
| Acupuncture | 2 months | First visit: $40.00; Follow-up visit: $40.00 | $300 per person a year, $600 per policy a year (shared with other services) |
| Remedial massage | 2 months | First visit: $40.00; Follow-up visit: $40.00 | $300 per person a year, $600 per policy a year (shared with other services) |
| Audiology | 2 months | First visit: $40.00; Follow-up visit: $40.00 | $200 per person a year, $400 per policy a year (shared with other services) |
| Dietitian | 2 months | First visit: $40.00; Follow-up visit: $40.00 | $300 per person a year, $600 per policy a year (shared with other services) |
| Exercise physiology | 2 months | First visit: $50.00; Follow-up visit: $50.00 | $400 per person a year, $800 per policy a year (shared with other services) |
| Eye therapy (orthoptics) | 2 months | First visit: $40.00; Follow-up visit: $40.00 | $200 per person a year, $400 per policy a year (shared with other services) |
| Health management programs | 6 months | Benefit: 50% back | $150 per person a year |
| Occupational therapy | 2 months | First visit: $40.00; Follow-up visit: $40.00 | $200 per person a year, $400 per policy a year (shared with other services) |
| Orthotics * | 12 months | Benefit: 50% back | $300 per person a year, $600 per policy a year (shared with other services) |
| Osteopathy | 2 months | First visit: $40.00; Follow-up visit: $40.00 | $200 per person a year, $400 per policy a year (shared with other services) |
| Speech therapy | 2 months | First visit: $40.00; Follow-up visit: $40.00 | $200 per person a year, $400 per policy a year (shared with other services) |
| Vaccinations * | none | Vaccination: 100% back | $300 per person a year, $600 per policy a year (shared with other services) |
Not covered: Hearing aids, Blood glucose monitors, Antenatal and postnatal, Chinese herbal medicine, Home nursing.
* 1) No waiting-period for preventative dental and selected diagnostic services. Treatments claimed as No Gap Dental benefits (where available) do not count to yearly limit 2) Full denture replacement limited to once every-three-years. 3) Surgical teeth extractions and gum-disease treatment included under Endodontics (12 month waiting period). 4) $40 per chiropractic x-ray fee, limit one per-person per-calendar-year. 5) Orthotic benefits are for supply only. 6) Travel vaccinations only
Other services, as filed: Annual benefit limits apply per calendar year. Myotherapy - $40 per consultation, maximum $300 per person, $600 per family (combined limit - see Acupuncture), 2 month waiting period. Braces, Splints and Garments - up to 50% of the cost, maximum $300 per person, $600 per family (combined limit - see Podiatry), 12 month waiting period. Aids: Wheelchairs and crutches - up to 50% of cost, maximum $100 per person, $200 per family, 2 months waiting period. There are Preventative Health Services and Health Support Programs available on this cover. Please refer to the product Fact Sheet or contact Australian Unity for further details.
Please refer to the product Fact Sheet or contact Australian Unity for further details.
Ambulance
Emergency ambulance. Call-out fees covered. Waiting period for emergency transport: none. No limit on emergency transport.
Agreement hospitals in Northern Territory
Australian Unity has agreements with 3 private hospitals here, as filed with the Ombudsman.
The list
- Darwin Day Surgery - Wanguri (day hospital)
- Darwin Private Hospital - Tiwi
- NT Medical Specialist - Wanguri (day hospital)
This policy's other options
Every state, household and excess the insurer filed for this policy, with the premium before the rebate.
Member retention (hospital cover)
81.4% is the Commonwealth Ombudsman's figure for Australian Unity in its State of the Health Funds Report 2024-25 (Table 1, page 15; data at 30 June 2025).
The Ombudsman describes it as one measure of the comparative effectiveness of insurers and of their level of member satisfaction: the percentage of members, hospital memberships only, who have remained with the insurer for 2 years or more (page 12). It is published for the insurer, not for this policy, and is not adjusted for policies that lapse when a member dies. The Ombudsman cautions that no single indicator shows an insurer's overall performance (page 27).
It is shown as published. The list is not sorted, filtered or ranked by it.
Member retention is the Commonwealth Ombudsman's figure, from its State of the Health Funds Report 2024-25. Source: Licensed from the Commonwealth Ombudsman under a Creative Commons 4.0 licence. This report is available from the Commonwealth Ombudsman website at www.ombudsman.gov.au.
Where this comes from
Policy details come from the PrivateHealth.gov.au dataset published by the Private Health Insurance Ombudsman on data.gov.au (release of 1 Oct 2026), licensed under Creative Commons Attribution 3.0 Australia. Statement J63/TJZV20, filed by Australian Unity Health Limited, issued 11 June 2026.
† Monthly premium: the premium the insurer filed with the Private Health Insurance Ombudsman for this state, household and excess, before the Australian Government rebate. Answer the income and age questions and every figure becomes the premium after your rebate, with any Lifetime Health Cover loading added to the hospital share (the rebate never applies to the loading) and the age-based discount taken off it where the policy offers one. Insurers may quote a different payment frequency and round each step; check the figure with the insurer before you join.
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