healthslips.com.au Policy Information

Australian Unity Health Limited

Top Choice (Silver Plus)

$614.9 / month

(Before Rebate, Discount & Loading)

Available in TAS

You may be entitled to an Australian Government Rebate on the above premium. Your premium may also include a Lifetime Health Cover Loading or an insurer discount. Check with your insurer for details.

This policy covers: Two adults (and no-one else).

Policy ID: AUF/J50/TCHT20

Source: Private Health Information Statement (PHIS)

Hospital Cover

  • This policy exempts you from the Medicare Levy Surcharge.
  • This policy provides accident cover - check with insurer for details.
  • This policy does not provide benefits for travel or accommodation outside of hospital.
Covered
Restricted Cover
Not Covered
This policy includes cover for
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
Hospital psychiatric services
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

This policy does not include cover for

Assisted reproductive services
Pregnancy and birth
Weight loss surgery

The benefits paid for hospital treatment will depend on the type of cover you purchase and whether your fund has an agreement in place with the hospital in which you are treated. See ‘Agreement Hospitals’ on privatehealth.gov.au for which hospitals have arrangements with your insurer – https://privatehealth.gov.au/dynamic/agreementhospitals.

Under this policy, you may have to pay out-of-pocket costs above what you get from Medicare or your private health insurer. Before you go to hospital, you should ask your doctors, hospital and health insurer about any out-of-pocket costs that may apply to you.

The following payments may also apply for hospital admissions

Excess: You will have to pay an excess on admission. This is limited to a maximum of $750 per person and $1500 per policy per year.

Co-payments: No co-payments

The following waiting periods for hospital admissions apply to new or upgrading members

Waiting periods:

  • 2 months for palliative care, rehabilitation and hospital psychiatric treatments, even if pre-existing
  • 12 months for other pre-existing conditions
  • 2 months for all other treatments

Gap Cover

This provider offers 'known gap' or 'no gap' cover for medical bills for this product. The Medical Costs Finder (https://www.health.gov.au/resources/apps-and-tools/medical-costs-finder) lets you find out more about the cost of specialist medical services.

Other features of this hospital cover

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 Cover

Our network optical providers offer discounts on some optical purchases. Contact Australian Unity for more details.

This policy includes General treatment (Extras) cover for

Treatment & waiting period (months)
Benefit limits per 12 months unless otherwise stated
Examples of maximum benefits
Acupuncture 2

$300 per person

combined limit for acupuncture, remedial massage & other services

  • Initial visit: $30
  • Subsequent visit: $30
Chiropractic 2

$300 per person

combined limit for chiropractic & osteopathy

  • Initial visit: $40
  • Subsequent visit: $30
Endodontic 12

$700 per person

combined limit for endodontic, general dental & other services

  • Filling of one root canal: $123
General dental* 2

$700 per person

combined limit for endodontic, general dental & other services

  • Fluoride treatment: $25.5
  • Scale & clean: $52
  • Surgical tooth extraction: $105
  • Periodic oral examination: $33
Major dental* 12

$1,000 per person

sub-limits apply

  • Full crown veneered: $600
Optical 6

$250 per person

  • Multi-focal lenses & frames: 100% of charge
  • Single vision lenses & frames: 100% of charge
Osteopathy 2

$300 per person

combined limit for chiropractic & osteopathy

  • Initial visit: $40
  • Subsequent visit: $30
Physiotherapy 2

$500 per person

  • Initial visit: $40
  • Subsequent visit: $40
Podiatry 2

$400 per person

  • Initial visit: $40
  • Subsequent visit: $30
Remedial massage 2

$300 per person

combined limit for acupuncture, remedial massage & other services

  • Initial visit: $30
  • Subsequent visit: $30

Acupuncture

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for acupuncture, remedial massage & other services}

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $30}

Chiropractic

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $30}

Endodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$700 per person}

{combined limit for endodontic, general dental & other services}

Examples of maximum benefits

{Filling of one root canal: $123}

General dental*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$700 per person}

{combined limit for endodontic, general dental & other services}

Examples of maximum benefits

{Fluoride treatment: $25.5}

{Scale & clean: $52}

{Surgical tooth extraction: $105}

{Periodic oral examination: $33}

Major dental*

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person}

{sub-limits apply}

Examples of maximum benefits

{Full crown veneered: $600}

Optical

Waiting period:  6 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

Examples of maximum benefits

{Multi-focal lenses & frames: 100% of charge}

{Single vision lenses & frames: 100% of charge}

Osteopathy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $30}

Physiotherapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

Podiatry

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $30}

Remedial massage

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for acupuncture, remedial massage & other services}

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $30}

Annual benefit limits apply per calendar year. Myotherapy - $30 per consultation, Maximum of $300 per person (Combined limit - see Acupuncture), 2 month 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.

This policy does not include General treatment (Extras) cover for

Ante-natal/Post-natal classes
Audiology
Blood glucose monitors
Chinese medicine
Dietetics/dietary advice
Exercise physiology
Eye therapy (orthoptics)
Health management / Healthy lifestyle
Hearing aids
Home nursing
Non PBS pharmaceuticals
Occupational therapy
Orthodontic
Orthotics (podiatric orthoses)
Psychology
Speech therapy
Vaccinations

Ambulance cover

Ambulance cover is provided by the State government for residents of Tasmania. This may include cover whilst interstate, except for South Australia and Queensland where no cover applies. In other states please check with Ambulance Tasmania - https://www.health.tas.gov.au/ambulance/fees_and_accounts.

Other features of this ambulance cover: Some authorities provide certain ambulance services at no cost to eligible residents. Refer to your local ambulance provider for more information. Australian Unity won't pay a Benefit if you're eligible to claim from, or are covered by, another source. Australian Unity doesn't pay a benefit towards ambulance subscription services. If you’re not covered, this cover includes emergency ambulance to hospital, if transport is coded and invoiced as emergency transport by a state/territory ambulance service/authority. Call-out fees where you're not taken to hospital are limited to 2 ambulance attendances per person per calendar year. This cover doesn't include non-emergency ambulance transportation

Insurer Details

Australian Unity Health Limited

Top Choice (Silver Plus)

$614.9 / month

(Before Rebate, Discount & Loading)

Available in TAS

Disclaimer: This document is not a Private Health Information Statement (PHIS), and it is not intended to replace that document. The details contained in the healthslips.com.au Policy Information was provided by the insurer to the Australian Government. It is intended as general information. It may not take into account your circumstances. For further information contact the insurer. Information used is Licensed from the Commonwealth of Australia under a Creative Commons 3.0 licence.Private Health Information Statement is available from the Private Health Insurance Ombudsman website at https://privatehealth.gov.au/dynamic/Premium/PHIS/AUF/J50/TCHT20

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