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Australian Unity Extras Only Plans

Find health insurance for a range of ancillary benefits including dental, optical and more with Australian unity. Choose from 5 levels of cover to meet your needs.

Australian Unity provides more than 300,000 Australians with financial and health services. An extras only plan brings these talents together to let you simultaneously save money and look after yourself with dental plans, optical cover and much more.

Compare extras health insurance from Australian Unity?

What extras health plans does Australian Unity offer?

You can get an effective level of cover for both dental and optical with even the basic plans. You can also opt for a higher level of cover to enjoy more potential value for money and get more back on a much wider range of extras.

Basic Extras

You can claim up to $950 worth of extras per year for less than $20 a month with this option. This plan includes the following:

  • Dental. You can get up to $350 per person per year for preventative dentistry, mouth guards, tooth extractions, fillings, scale and clean, and even teeth whitening.
  • Optical. You can get 100% back on prescription eyewear, contact lenses and repairs up to $150 per person per year.

It also lets you claim for the following services:

  • Physiotherapy
  • Natural and alternative therapies
  • Pharmacy, except for non-PBS prescriptions, vitamins, minerals and supplements
  • Travel vaccinations

Bronze Extras

You can claim up to $1200 worth of extras per person per year for under $30 a month. This plan gets you the following benefits:

  • Dental. You can get 60% back on dental expenses including crowns and bridges, up to $600.
  • Optical. You can get 100% back on prescription eyewear, contacts and repairs, up to $200.

You can also access the following services:

  • Physiotherapy
  • Chiropractic and osteopathy
  • Natural therapies

Silver Extras

You can claim up to $3400 of extras per person per year for under $45 a month with thorough and wide-ranging cover that includes the following:

  • Dental. You can get 60% back, up to $600 or 100% back for selected services in the Australian Unity No Gap Dental network. At this level, cover also includes dentures, crowns and bridges, endodontic treatments and other complex dental.
  • Optical. You can get100% back with up to $200 on prescription eyewear, repairs and contacts.

You also get the following services:

  • Physiotherapy
  • Chiropractic and osteopathy
  • Natural therapies
  • Dietetics
  • Health aids including braces, splints, garments, wheelchairs, crutches and non-surgical prostheses.

Gold Extras

With the Gold Extras plan, you can claim up to $6730 on extras per person per year from under $55 a month. This plan includes the following benefits:

  • Dental. This level introduces cover for orthodontics with up to 100% back and a $2,400 lifetime limit. You also get set amounts back on general dental, preventative treatments and complex procedures with separate limits for each. Combined with access to the Australian Unity No Gap Dental network, this plan delivers effective general and complex dental cover.
  • Optical. You can get 100% back on prescription eyewear, contact lenses and repairs up to $200 per person, per year.

It also delivers the following services:

  • Physiotherapy
  • Chiropractic and osteopathy
  • Podiatry, except surgical procedures
  • Foot orthotics
  • General therapies in the form of speech, eye and occupational therapies
  • Natural therapies
  • Dietetics
  • Psychology
  • Travel vaccinations
  • Pharmacy cover
  • Health aids, including hearing aids, asthma pumps, glucose monitors and blood pressure monitors

Platinum Extras

This is the highest level extra plan from Australian Unity, with up to $8500 of cover a year, starting from about $100 a month.

  • Dental. This plan gives you unlimited preventative and diagnostic dental, access to the no gap dental network, orthodontic cover, complex dental with crown, bridges and dentures, and thorough endodontics cover to pay for root canals, gum disease treatments and surgical extractions. You can claim 80% back by default up to the separate limits or 100% with participating no gap dental providers.
  • Optical. You can get $300 per year for all prescription glasses, repairs and contact lenses provided by registered optometrists in private practice.

This plan also includes the following services:

  • Physiotherapy
  • Chiropractic and osteopathy
  • Podiatry
  • Foot orthotics
  • General therapies in the form of speech, eye and occupational therapies
  • Audiology
  • Natural therapies
  • Hearing aids
  • Dietetics
  • Psychology
  • Travel vaccinations
  • Pharmacy cover
  • Health aids, including TENS machines, CPAP and sleep apnoea and pain management devices

What additional benefits are there?

  • Australian Unity recognizes the waiting periods from other providers when switching from a previous fund with an equivalent or higher level of extras cover.
  • You can get a 10% discount on Australian Unity home and contents insurance, travel insurance and car insurance.
  • You can round out your healthcare with Australian Unity’s rewards program, delivering more discounts on a range of lifestyle products like gym memberships, fitness equipment, clothes, eyewear, healthy eating and dietary supplements as well as discounted entertainment, accommodation and more.

How much does it cost?

You can pay less by signing up before 31 March 2017. The amount reimbursed by your plan also depends on which level of cover you choose and whether you elect to use participating no gap providers where applicable.

A singles, couples or family plan can help you save money in the form of a bulk discount while retaining many separate limits per person.

What are the limitations, exclusions and waiting periods?

Waiting periods apply to the following services:

  • None. Preventative dental, travel vaccinations and access to the no gap dental network
  • 2 months. General dental, physio, chiropractic, osteopathy, podiatry, general and natural therapies, wheelchairs and crutches, psychology, pharmacy and audiology
  • 6 months. Optical, endodontics and surgical tooth extractions
  • 12 months. Crowns, bridges, dentures, orthotics, health aids, hearing aids and health devices

How to claim

There are several ways you can claim reimbursement for extras.

  • On the spot. If the provider has a HICAPA or CSC machine, you can simply swipe your Australian Unity membership card and pay any difference yourself.
  • Online. You can claim up to $300 at any one time by using the Australian Unity mobile app or by logging into your online account.
  • Over the phone. You can call Australian Unity on 1800 807 144 to make a claim or get claims help.
  • Sending in a claim form. You can complete a claims form, attach the receipts and then mail, email or fax it to Australian Unity at the addresses listed on the form.

Receive quotes for Australian Unity Extras Cover

Andrew Munro

Andrew writes for finder.com.au, comparing products, writing guides, sniffing out deals and looking for new ways to help people get the most out of their money.

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