Australian Unity
Secure Choice (Silver Plus)
Australian Unity
How $432.38 is worked out
- Premium as filed - $569.80 a month
- Government rebate - 24.1% of the premium (never of the loading): -$137.42
- A month - $432.38
Go to insurer no commission on this policy
Hospital: what is covered
Covered (34)
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- 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 (3)
- Assisted reproductive services
- 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. $500 per person a year. $1,000 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 | $1,000 per person a year, $2,000 per policy a year (shared with other services) |
| Major dental * | 12 months | Crown (item 615): 50% back | $1,000 per person a year, $2,000 per policy a year (shared with other services) |
| Root canal * | 12 months | Root canal (item 417): 50% back | $1,000 per person a year, $2,000 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) |
| Hearing aids * | 12 months | Hearing aid: 50% back | $400 per person a year, $800 per policy a year |
| Blood glucose monitors * | 12 months | Blood: 50% back | $200 per person a year, $400 per policy a year |
| 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 | $200 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: 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) Benefit for each Hearing-Aid is payable every 3-calendar years (does not apply to repairs) 2-month waiting period for repairs 6) Benefits for Blood glucose monitors payable once every 2 calendar years. 7) Orthotic benefits are for supply only. 8) 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. Devices and aids: Asthma pumps, Peak flow meters, Blood pressure monitors, Tens machines, CPAP/BPAP devices, Non-surgical prosthesis - up to 50% of cost, maximum $200 per person, $400 per family (combined limit - see Blood glucose monitors), 12 month waiting period. Benefit for each item is payable every 2 calendar years (does not apply to wigs). Wheelchairs and crutches - up to 50% of cost, maximum $200 per person, $400 per family (combined limit - see Blood glucose monitors), 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 ACT
Australian Unity has agreements with 13 private hospitals here, as filed with the Ombudsman.
The list
- ACT Endoscopy - Deakin (day hospital)
- Act Day Hospital - Deakin (day hospital)
- Barton Private Hospital - Barton
- Brindabella Endoscopy Centre - Garran (day hospital)
- Calvary Bruce Private Hospital - Bruce
- Calvary John James Hospital - Deakin
- Canberra Imaging Group - Deakin (day hospital)
- Canberra Microsurgery - Phillip (day hospital)
- Canberra Private Hospital - Deakin
- Canberra Surgicentre - Braddon (day hospital)
- Icon Cancer Centre Canberra - Bruce (day hospital)
- Mugga Wara Endoscopy Centre - Deakin (day hospital)
- National Capital Private Hospital - Garran
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 J64/WJXI20, 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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