Gold Extras

Extras Cover
Effective from 20 October 2017

Level of cover with Cover

Australian Unity availability

TOP SINGLE COUPLE FAMILY

Australian Unity Health Limited ABN 13 078 722 568 | 114 Albert Road, South Melbourne, VIC 3205
Gold Extras

Dental What you’ll get back Yearly limit (January - December) Waiting Period and Additional Information
Preventative Dental, including Set amounts per item No waiting period
No Gap Dental Network
or 100% of the cost for No Gap Dental covers selected services such
selected services at our No as scale and clean, fluoride treatment and
Gap Dental Network Combined maximum of $800 per person mouthguards. Please note: No Gap Dental providers
are not available in all states and territories.
General Dental Set amounts per item 2 month waiting period
Includes most fillings and simple tooth extractions
Root Canal, Gum Disease Set amounts per item $400 per person 6 month waiting period
Treatments & Surgical
Extractions
Crowns, Bridges & Dentures Set amounts per item $600 per person 12 month waiting period
A full denture replacement is limited to once every
three years
Orthodontics Up to 100% of the cost per $600 per person 12 month waiting period
item
A lifetime maximum of
$2400 per person applies

Optical What you’ll get back Yearly limit (January - December) Waiting Period and Additional Information
Optical Up to 100% of the cost per $200 per person 6 month waiting period
item
For prescription glasses, contact lenses or repairs
supplied by an optometrist in private practice.
Excludes non-prescription sunglasses, contact
lenses and optical consultations.

Physical Therapies What you’ll get back Yearly limit (January - December) Waiting Period and Additional Information
Physiotherapy 70% of the consultation fee 2 month waiting period
Combined maximum of $500 per person Includes sports physiotherapy and hydrotherapy
Chiropractic & Osteopathy 70% of the consultation fee 2 month waiting period
Podiatry $30 per initial consultation 2 month waiting period
$27 per subsequent Excludes podiatric surgery
consultation
Orthotics 70% of the cost per item Combined maximum of $350 per person 12 month waiting period
Appliances must be recommended by a podiatrist
or medical practitioner and supplied by an
approved provider in a private practice

Other Health Services What you’ll get back Yearly limit (January - December) Waiting Period and Additional Information
Naturopathy $27 per consultation 2 month waiting period
Excludes supplements and remedies
Combined maximum of $350 per person
Myotherapy $27 per consultation 2 month waiting period
Remedial Massage sub-limit is $150 per
Remedial Massage $27 per consultation 2 month waiting period
person
Acupuncture $27 per consultation 2 month waiting period
Shiatsu $27 per consultation 2 month waiting period
Dietetics $35 per initial consultation $300 per person 2 month waiting period
$30 per subsequent
consultation
Psychology $70 per initial consultation $350 per person 2 month waiting period
$40 per subsequent
consultation
Speech, Eye & Occupational $50 per initial consultation Combined maximum of $350 per person 2 month waiting period
Therapy
$35 per subsequent
consultation

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 Medicines What you’ll get back Yearly limit (January - December) Waiting Period and Additional Information
Pharmacy Up to $40 per script $400 per person 2 month waiting period
For non-PBS prescription pharmaceuticals
only, after you pay a sum equal to the current
Pharmaceutical Benefits Scheme (PBS) charge.
Excludes vitamins, minerals and supplements.
Travel Vaccinations Up to 100% of the cost $150 per person No waiting period
For approved travel vaccines, supplied and
administered in Australia prior to departure and for
the purpose of overseas travel

Devices & Aids What you’ll get back Yearly limit (January - December) Waiting Period and Additional Information
Asthma Pumps & Peak Flow Up to 100% of the cost per Combined maximum of $110 per person 12 month waiting period
Meters item
One appliance every two years
Blood Glucose Monitors & Blood Up to 100% of the cost per Combined maximum of $220 per person 12 month waiting period
Pressure Monitors item
One appliance every two years
Hearing Aids Up to 100% of the cost per $550 per person 12 month waiting period
item
Includes hearing aid appliance, replacement and
repairs
Replacement of a hearing aid is limited to one every
three years
Health Aids 70% of the cost per item Combined maximum of $500 per person 2 month waiting period for hire or purchase of
wheelchairs or crutches used in prevention or
support post injury when recommended by a
healthcare practitioner
12 month waiting period for braces, splints,
garments and non-surgical prostheses when
recommended by a healthcare practitioner
Replacement of non-surgical prostheses is limited
to one every two years

Devices and Aids

For a benefit to be paid on aids and devices, a letter is required (no more than 6 months old) from your treating doctor or healthcare practitioner indicating the
medical condition for which the item is required. Aids and devices must be purchased from a Recognised Provider or an Australian organisation. Please call us to
check if an item is covered.

Important Information
Out-of-pocket costs
At Australian Unity we want to try to help with the cost of looking after your
health by putting some money back in your wallet. Extras cover can help you
get money back on common health treatments that aren’t generally covered Waiting Periods
by Medicare. You cannot receive benefits for any items or services you may have
You’ll get either a percentage of the cost back, or a set dollar amount, on received while you are serving a relevant waiting period. However, if you’ve
included Extras every time you claim, until you reach your yearly limit. already served your waiting periods on an equivalent or higher level of
Therefore you only pay the difference between what you get back from cover with any registered Australian health fund and join within 30 days
Australian Unity and the cost set by your provider. of leaving that fund, you will not have to re-serve your waiting periods.
Otherwise, waiting periods will apply from the date you re-join. If you’ve
If you’d like more information please refer to your Member Guide. If you want upgraded your cover, your waiting periods for the higher benefits will start
more specific information about what you can expect your out-of-pocket on the date you upgrade, but you can still claim an equivalent benefit to
costs to be, we recommend you obtain a quote from your provider before your previous level of cover during that period.
undergoing treatment, along with a list of item numbers. You can then
contact us or log in to Online Member Services for details of benefits before Please note: The services listed under the waiting periods in the Extras
proceeding with your treatment. table are not an exhaustive list. Please refer to your Online Member
Services or contact us for more information as waiting periods for other
services may apply.

Changes to your cover

We may at any time make changes to your cover. This may include adding
or reducing the benefits or services available to you. We will ensure that we
provide you with appropriate notice of these changes in accordance with
the Private Health Insurance Act 2007, the Australian Consumer Law and
the Private Health Insurance Code of Conduct.

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Important Information continued
Dental Service Limits
In setting out what services we pay we use Australian Dental Association Recognised Providers
(ADA) guidelines and Fund Rules to determine any restrictions or limitations We only pay benefits when you see a recognised provider in a private
on services. For example, ADA guidelines may indicate a certain dental item practice. Please contact us to check if your provider is recognised by us.
number can’t be charged with another service during the same visit.

For more information, please refer to your Member

Guide particularly Important Things to Know - Terms
and Conditions and the Fund Rules available at
australianunity.com.au/importantdocuments

Australian Unity is a signatory to the Private Health Insurance Code of Conduct. For details visit privatehealth.com.au/
codeofconduct This documentation should be read carefully and retained. To fully understand your cover, please refer to Any questions?
the Member Guide particularly the Important Things to Know – Terms and Conditions section and your product(s) Fact
Sheet. Information is subject to change.
Australian Unity respects your wishes. If you received this by unsolicited direct mail from Australian Unity, and don’t wish
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to receive similar product offerings in the future (including special offers and discounts), please let us know by calling 13
29 39. View our privacy policy at australianunity.com.au/health-insurance/privacy-policy Australian Unity Health Limited
- ABN 13 078 722 568.
australianunity.com.au
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