Compare 3 levels of extras cover from CUA health fund and find the option to meet your needs.
Credit Union Australia (CUA) has a history of delivering value for money to Australians. This experience extends to health insurance, where CUA offers straightforward and effective health extras plans to help you stay in shape without paying too much.
Good health is for everyone, and the right extras plan means it can be simple and affordable. Compare the options to find a plan that works for you.
Explore CUA Health's range of extras only policies
What extras plans does CUA offer?
Your three CUA plans are Essential, Classic and Total Extras. The names give you an idea of what each covers, ranging from the most important benefits like dentistry and optical, to wide-ranging cover of a wide range of services.
- Essential Extras is not available as standalone cover, and can only be combined with CUA hospital plans.
- Classic and Total Extras plans cover the same services, with the difference being the amounts you can claim.
|Essential Extras||Classic Extras||Total Extras|
|Orthodontics||$500 ($1,500 lifetime limit)||$900 ($2,500 lifetime limit)|
|Physiotherapy||$250||$300||$500, $600 and $700 in the first, second and third year onwards|
|Chiropractic||$200||$225||$400, $450 and $500 in the first, second and third year onwards|
|Natural therapies||$100, up to $200 per family||$150 per service type, $250 per person, $500 per family||$250 per service, $400 per person, $800 per family|
|Health aids and appliances, including repairs||60% of cost up to $600. Sub-limits may apply||80% of cost up to $800. Sub-limits may apply|
|Wellness benefits||$100, $150 and $200 in the first, second and third year onwards||$250, $325 and $400 in the first, second and third year onwards|
- Natural therapies: These include acupuncture, naturopathy, homeopathy and remedial massage. The per service limits apply separately to each type.
- Other therapies: These include psychology, speech therapy, orthoptics, occupational therapy, dietetics and nutrition, exercise physiology. The per service limits apply separately to each type.
- Health aids and appliances: A wide range of health appliances can be claimed with CUA extras up to the total annual limits. Sub-limits apply to certain items, and it’s a good idea to familiarise yourself with them if you’re looking to claim specific aids.
Health aid and appliance sub-limits
The following sub-limits apply per person:
- Hearing aids: No sub-limits apply, every 3 years
- Blood glucose monitors: $500 per year with Total Extras, $350 with Classic
- Nebulisers and asthma pumps: $300 with Total Extras, $200 with Classic, every 2 years
- CPAP devices: $500 with Total Extras, $350 with Classic
- TENS machines and circulation boosters: $175 per year with Total, $125 with Classic
- Peak flow meters and spacers: $50 with Total, $35 with Classic. One service per year limit
- Blood pressure monitors: $175 with Total, $125 with Classic, every year
- Mammary prosthesis: $175 with Total, $125 with Classic
- Repair and maintenance: $150 with Total, $100 with Classic. Benefits only payable for appliances not under warranty
No sub-limits apply to any of the following items:
- Pressure garments
- Custom-built braces, splints or other approved orthoses
- Wigs, payable only for alopecia or chemotherapy
Are there any additional benefits?
CUA extras policies are geared towards the whole family, letting dependant children stay on your family policy until the age of 23, or 25 if they are full-time students. Also, when you add a newborn to your policy from their date of birth, waiting periods for them will be waived.
In addition to this:
- CUA gives the option of suspending your cover for 2 to 36 months while overseas, provided you’ve held the policy for 12 months beforehand. This prevents you from needing to cancel cover before travelling, or paying for a policy you can’t use while overseas.
- To help you get more use out of your extras cover, and avoid surprise expenses, the CUA online portal lets you check your current remaining limits and extras balance online, as well as make claims online.
- You can get 5% off the online price of eyewear purchased online from OPSM, plus free delivery within Australia.
You can also take advantage of wellness benefits with the Classic and Total Extras policies. This lets you claim the following benefits under your extras policy:
- Kids’ swimming lessons
- Quit smoking programs, such as nicotine replacements
- Health association fees and subscriptions for the Arthritis Foundation, Diabetes Australia, Heart Foundation, Australian Breastfeeding Association and many more
- Approved health management programs, which can include gym memberships, personal trainers and other programs
- Health checks, such as cancer screenings, heart checks and other early diagnosis and preventative measures
- Weight control programs
- Travel vaccinations
Limitations, exclusions and waiting periods
You cannot make claims for extras prior to the end of the waiting period. These are:
- 1 day for ambulance transport
- 6 months for optical and wellness benefits
- 12 months for major dental, orthodontics, health aids and appliances, hearing aids and podiatry aids
- 2 months for all other extras services
You can check your specific policy exclusions online with CUA, but should be aware that you cannot claim:
- PBS medications, or non-prescription medications under pharmaceutical benefits
- Pre-made off-the-shelf footwear. Orthotics benefits are only available for tailor-made items
- You cannot hold another extras policy with a different fund while with CUA
- You cannot make claims for items where benefits are payable by another third party by way of damages or compensation
- You cannot make claims for items or services received while overseas
How to claim
Simply swipe your CUA Health Card to claim on the spot, and pay any difference yourself. Alternatively, you can use the CUA online portal to make claims afterwards, as well as check your existing extras balance.
For some services, such as ambulance transport or medical appliances, you’ll need to send in a claims form, and your healthcare provider might need to fill in some sections too.