How $166.33 is worked out
- Premium as filed - $219.20 a month
- Government rebate - 24.1% of the premium (never of the loading): -$52.87
- A month - $166.33
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): $47.00; Scale and clean (item 114): $95.00; Fluoride treatment (item 121): $29.00 | $1,000 per person a year, $2,000 per policy a year |
| Major dental * | 12 months | Tooth extraction (item 322): $244.00; Crown (item 615): $804.00 | $1,000 per person a year, $2,000 per policy a year (shared with other services) |
| Root canal * | 12 months | Root canal (item 417): $232.00 | $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 | $800 per person a year, $3,200 lifetime |
| Glasses and contact lenses | 6 months | Single vision glasses: 100% back; Multifocal glasses: 100% back | $300 per person a year, $600 per policy a year |
| Prescriptions not on the PBS | 2 months | Prescription: $50.00 | $500 per person a year |
| Physiotherapy | 2 months | First visit: $70.00; Follow-up visit: $70.00 | $600 per person a year (shared with other services) |
| Chiropractic * | 2 months | First visit: $50.00; Follow-up visit: $50.00 | $400 per person a year (shared with other services) |
| Podiatry | 2 months | First visit: $50.00; Follow-up visit: $50.00 | $400 per person a year (shared with other services) |
| Psychology | 2 months | First visit: $100.00; Follow-up visit: $100.00 | $600 per person a year |
| Acupuncture | 2 months | First visit: $50.00; Follow-up visit: $50.00 | $400 per person a year (shared with other services) |
| Remedial massage | 2 months | First visit: $50.00; Follow-up visit: $50.00 | $400 per person a year (shared with other services) |
| Hearing aids * | 12 months | Hearing aid: 80% back | $1,000 per person a year |
| Blood glucose monitors * | 12 months | Blood: 80% back | $500 per person a year |
| Audiology | 2 months | First visit: $80.00; Follow-up visit: $80.00 | $400 per person a year (shared with other services) |
| Dietitian | 2 months | First visit: $50.00; Follow-up visit: $50.00 | $500 per person a year |
| Exercise physiology | 2 months | First visit: $70.00; Follow-up visit: $70.00 | $600 per person a year (shared with other services) |
| Eye therapy (orthoptics) | 2 months | First visit: $80.00; Follow-up visit: $80.00 | $400 per person a year (shared with other services) |
| Occupational therapy | 2 months | First visit: $80.00; Follow-up visit: $80.00 | $400 per person a year (shared with other services) |
| Orthotics * | 12 months | Benefit: 80% back | $400 per person a year (shared with other services) |
| Osteopathy | 2 months | First visit: $50.00; Follow-up visit: $50.00 | $400 per person a year (shared with other services) |
| Speech therapy | 2 months | First visit: $80.00; Follow-up visit: $80.00 | $400 per person a year (shared with other services) |
| Vaccinations * | none | Vaccination: $50.00 | $250 per person a year |
Not covered: 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 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) $50 chiropractic x-ray, 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 - $50 per consultation, maximum $400 per person (combined limit - see Acupuncture), 2 month waiting period. Braces, Splints and Garments - up to 80% of the cost, maximum $400 per person (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 80% of cost, maximum $500 per person (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 80% of cost, maximum $500 per person (combined limit - see Blood glucose monitors), 2 months waiting period. Sickness Travel & Accommodation, 80% of the cost, $150 for travel and $150 for accommodation per membership, 2 month waiting period and School Accident Top-Up benefit: $200 per Child Dependant. There are Preventative Health Services available on this cover, waiting periods may apply. 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 I42/VIAU1D, 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.
No insurer pays to appear on this list or for its place in it. LookFirst does not say which tier or policy suits you. The filters are your own questions.