How $149.90 is worked out
- Premium as filed - $197.55 a month
- Government rebate - 24.1% of the premium (never of the loading): -$47.65
- A month - $149.90
Go to insurer no commission on this policy
Extras: what you get back
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| General dental * | 2 months | Check-up (item 012): $41.00; Scale and clean (item 114): $83.00; Fluoride treatment (item 121): $25.00 | $800 per person a year, $1,600 per policy a year |
| Major dental * | 12 months | Tooth extraction (item 322): $213.00; Crown (item 615): $643.00 | $800 per person a year, $1,600 per policy a year (shared with other services) |
| Root canal * | 12 months | Root canal (item 417): $199.00 | $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 | $700 per person a year, $2,400 lifetime |
| Glasses and contact lenses | 6 months | Single vision glasses: 100% back; Multifocal glasses: 100% back | $250 per person a year, $500 per policy a year |
| Prescriptions not on the PBS | 2 months | Prescription: $50.00 | $400 per person a year |
| Physiotherapy | 2 months | First visit: $60.00; Follow-up visit: $60.00 | $500 per person a year (shared with other services) |
| Chiropractic * | 2 months | First visit: $40.00; Follow-up visit: $40.00 | $350 per person a year (shared with other services) |
| Podiatry | 2 months | First visit: $40.00; Follow-up visit: $40.00 | $300 per person a year (shared with other services) |
| Psychology | 2 months | First visit: $80.00; Follow-up visit: $80.00 | $400 per person a year |
| Acupuncture | 2 months | First visit: $40.00; Follow-up visit: $40.00 | $300 per person a year (shared with other services) |
| Remedial massage | 2 months | First visit: $40.00; Follow-up visit: $40.00 | $300 per person a year (shared with other services) |
| Audiology | 2 months | First visit: $70.00; Follow-up visit: $70.00 | $300 per person a year (shared with other services) |
| Dietitian | 2 months | First visit: $40.00; Follow-up visit: $40.00 | $400 per person a year |
| Exercise physiology | 2 months | First visit: $60.00; Follow-up visit: $60.00 | $500 per person a year (shared with other services) |
| Eye therapy (orthoptics) | 2 months | First visit: $70.00; Follow-up visit: $70.00 | $300 per person a year (shared with other services) |
| Occupational therapy | 2 months | First visit: $70.00; Follow-up visit: $70.00 | $300 per person a year (shared with other services) |
| Orthotics * | 12 months | Benefit: 70% back | $300 per person a year (shared with other services) |
| Osteopathy | 2 months | First visit: $40.00; Follow-up visit: $40.00 | $350 per person a year (shared with other services) |
| Speech therapy | 2 months | First visit: $70.00; Follow-up visit: $70.00 | $300 per person a year (shared with other services) |
| Vaccinations * | none | Vaccination: 70% back | $200 per person a year |
Not covered: Hearing aids, Blood glucose monitors, Antenatal and postnatal, Chinese herbal medicine, Health management programs, 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 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) $40 for chiropractic x-ray, 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 (combined limit - see Acupuncture), 2 month waiting period. Braces, Splints and Garments - up to 70% of the cost, maximum $300 per person (combined limit - see Podiatry), 12 month waiting period. There are Preventative Health Services available on this cover, waiting periods may apply. Sickness Travel & Accommodation, 70% of the cost, $100 for travel and $100 for accommodation per membership, 2 month waiting period, and School Accident Top-Up benefit $150 per Dependant Child. 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.
This policy's other options
Every state, household and excess the insurer filed for this policy, with the premium before the rebate.
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 I41/QHYN2D, filed by Australian Unity Health Limited, issued 1 Apr 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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