healthslips.com.au Policy Information

Australian Unity Health Limited

LifeChoice Boost (Gold)

$495.75 / month

(Before Rebate, Discount & Loading)

Available in NT

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: Only one person.

Policy ID: AUF/J7/DAHY10

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 provides benefits for travel or accommodation outside of hospital - check with insurer for details.
Covered
Restricted Cover
Not Covered
This policy includes cover for
Assisted reproductive services
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)
Pregnancy and birth
Rehabilitation
Skin
Sleep studies
Tonsils, adenoids and grommets
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 of $500 per admission. This is limited to a maximum of $500 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
  • 12 months for pregnancy and birth (obstetrics)
  • 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

Additional Benefits of this cover include: Midwife in Private Practice Services, Home Birth, Hospital Substitution Programs, Additional On-site Accommodation, 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

$600 per policy

combined limit for acupuncture, chinese medicine, remedial massage & other services

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

$500 per policy

combined limit for audiology, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, speech therapy & other services

  • Initial visit: 80% of charge
  • Subsequent visit: 80% of charge
Blood glucose monitors* 12

$500 per policy

combined limit for blood glucose monitors, orthotics (podiatric orthoses) & other services

  • Per monitor: 80% of charge
Chinese medicine 2

$600 per policy

combined limit for acupuncture, chinese medicine, remedial massage & other services

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

$800 per policy

combined limit for chiropractic, exercise physiology, osteopathy, physiotherapy & podiatry

  • Initial visit: 80% of charge
  • Subsequent visit: 80% of charge
Dietetics/dietary advice 2

$500 per policy

combined limit for audiology, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, speech therapy & other services

  • Initial visit: 80% of charge
  • Subsequent visit: 80% of charge
Endodontic* 12

$500 per policy

  • Filling of one root canal: 75% of charge
Exercise physiology 2

$800 per policy

combined limit for chiropractic, exercise physiology, osteopathy, physiotherapy & podiatry

  • Initial visit: 80% of charge
  • Subsequent visit: 80% of charge
Eye therapy (orthoptics) 2

$500 per policy

combined limit for audiology, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, speech therapy & other services

  • Initial visit: 80% of charge
  • Subsequent visit: 80% of charge
General dental* 2

No annual limit

sub-limits apply

  • Fluoride treatment: 100% of charge
  • Scale & clean: 100% of charge
  • Surgical tooth extraction: 75% of charge
  • Periodic oral examination: 75% of charge
Health management / Healthy lifestyle 6

$400 per policy

  • Health management: 80% of charge
Hearing aids* 12

$700 per policy

  • Hearing aid: 80% of charge
Major dental* 12

$1,500 per policy

  • Full crown veneered: 80% of charge
Non PBS pharmaceuticals 2

$500 per policy

  • Per eligible prescription: 80% of charge
Occupational therapy 2

$500 per policy

combined limit for audiology, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, speech therapy & other services

  • Initial visit: 80% of charge
  • Subsequent visit: 80% of charge
Optical 6

$300 per policy

  • Multi-focal lenses & frames: 100% of charge
  • Single vision lenses & frames: 100% of charge
Orthodontic 12

$1,000 per policy

$2,800 lifetime limit

  • Braces for upper & lower teeth, including removal plus fitting of retainer: 80% of charge
Orthotics (podiatric orthoses)* 12

$500 per policy

combined limit for blood glucose monitors, orthotics (podiatric orthoses) & other services

  • Orthotics supply & fit: 80% of charge
Osteopathy 2

$800 per policy

combined limit for chiropractic, exercise physiology, osteopathy, physiotherapy & podiatry

  • Initial visit: 80% of charge
  • Subsequent visit: 80% of charge
Physiotherapy 2

$800 per policy

combined limit for chiropractic, exercise physiology, osteopathy, physiotherapy & podiatry

  • Initial visit: 80% of charge
  • Subsequent visit: 80% of charge
Podiatry 2

$800 per policy

combined limit for chiropractic, exercise physiology, osteopathy, physiotherapy & podiatry

  • Initial visit: 80% of charge
  • Subsequent visit: 80% of charge
Psychology 2

$400 per policy

  • Initial visit: 80% of charge
  • Subsequent visit: 80% of charge
Remedial massage 2

$600 per policy

combined limit for acupuncture, chinese medicine, remedial massage & other services

  • Initial visit: $30
  • Subsequent visit: $30
Speech therapy 2

$500 per policy

combined limit for audiology, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, speech therapy & other services

  • Initial visit: 80% of charge
  • Subsequent visit: 80% of charge
Vaccinations* 0

$150 per policy

  • Per service: 100% of charge

Acupuncture

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per policy}

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

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $30}

Audiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per policy}

{combined limit for audiology, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, speech therapy & other services}

Examples of maximum benefits

{Initial visit: 80% of charge}

{Subsequent visit: 80% of charge}

Blood glucose monitors*

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$500 per policy}

{combined limit for blood glucose monitors, orthotics (podiatric orthoses) & other services}

Examples of maximum benefits

{Per monitor: 80% of charge}

Chinese medicine

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per policy}

{combined limit for acupuncture, chinese medicine, 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

{$800 per policy}

{combined limit for chiropractic, exercise physiology, osteopathy, physiotherapy & podiatry}

Examples of maximum benefits

{Initial visit: 80% of charge}

{Subsequent visit: 80% of charge}

Dietetics/dietary advice

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per policy}

{combined limit for audiology, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, speech therapy & other services}

Examples of maximum benefits

{Initial visit: 80% of charge}

{Subsequent visit: 80% of charge}

Endodontic*

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$500 per policy}

Examples of maximum benefits

{Filling of one root canal: 75% of charge}

Exercise physiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$800 per policy}

{combined limit for chiropractic, exercise physiology, osteopathy, physiotherapy & podiatry}

Examples of maximum benefits

{Initial visit: 80% of charge}

{Subsequent visit: 80% of charge}

Eye therapy (orthoptics)

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per policy}

{combined limit for audiology, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, speech therapy & other services}

Examples of maximum benefits

{Initial visit: 80% of charge}

{Subsequent visit: 80% of charge}

General dental*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{No annual limit}

{sub-limits apply}

Examples of maximum benefits

{Fluoride treatment: 100% of charge}

{Scale & clean: 100% of charge}

{Surgical tooth extraction: 75% of charge}

{Periodic oral examination: 75% of charge}

Health management / Healthy lifestyle

Waiting period:  6 months

Benefit limits per 12 months unless otherwise stated

{$400 per policy}

Examples of maximum benefits

{Health management: 80% of charge}

Hearing aids*

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$700 per policy}

Examples of maximum benefits

{Hearing aid: 80% of charge}

Major dental*

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,500 per policy}

Examples of maximum benefits

{Full crown veneered: 80% of charge}

Non PBS pharmaceuticals

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per policy}

Examples of maximum benefits

{Per eligible prescription: 80% of charge}

Occupational therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per policy}

{combined limit for audiology, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, speech therapy & other services}

Examples of maximum benefits

{Initial visit: 80% of charge}

{Subsequent visit: 80% of charge}

Optical

Waiting period:  6 months

Benefit limits per 12 months unless otherwise stated

{$300 per policy}

Examples of maximum benefits

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

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

Orthodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per policy}

{$2,800 lifetime limit}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: 80% of charge}

Orthotics (podiatric orthoses)*

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$500 per policy}

{combined limit for blood glucose monitors, orthotics (podiatric orthoses) & other services}

Examples of maximum benefits

{Orthotics supply & fit: 80% of charge}

Osteopathy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$800 per policy}

{combined limit for chiropractic, exercise physiology, osteopathy, physiotherapy & podiatry}

Examples of maximum benefits

{Initial visit: 80% of charge}

{Subsequent visit: 80% of charge}

Physiotherapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$800 per policy}

{combined limit for chiropractic, exercise physiology, osteopathy, physiotherapy & podiatry}

Examples of maximum benefits

{Initial visit: 80% of charge}

{Subsequent visit: 80% of charge}

Podiatry

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$800 per policy}

{combined limit for chiropractic, exercise physiology, osteopathy, physiotherapy & podiatry}

Examples of maximum benefits

{Initial visit: 80% of charge}

{Subsequent visit: 80% of charge}

Psychology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per policy}

Examples of maximum benefits

{Initial visit: 80% of charge}

{Subsequent visit: 80% of charge}

Remedial massage

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per policy}

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

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $30}

Speech therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per policy}

{combined limit for audiology, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, speech therapy & other services}

Examples of maximum benefits

{Initial visit: 80% of charge}

{Subsequent visit: 80% of charge}

Vaccinations*

Waiting period:  0 month

Benefit limits per 12 months unless otherwise stated

{$150 per policy}

Examples of maximum benefits

{Per service: 100% of charge}

Annual limits apply per calendar year. Family limits are shared between all people on the membership but no one person can claim more than the per person limit. Myotherapy, Nutrition, Swedish Massage, 80% of the consultation fee or $30 per consultation, whichever is the lesser, $600 per person (Combined limit - see Acupuncture), 2 month waiting period. Natural Medicines & Remedies, 80% of the cost per item or $50 per item, whichever is the lesser, $600 per person, (Combined limit - see Acupuncture), 2 month waiting period. Hypnotherapy, 80% of the consultation fee, $500 per person (Combined limit - see Audiology), 2 month waiting period. Vitamin & Health Supplements, Up to 100% of the cost, $150 per person, $300 per family, 2 month waiting period. Ambulance Subscriptions, 80% of the cost per yearly Subscription, no annual limit or waiting periods. Sickness Travel & Accommodation, 80% of the cost, $200 for travel and $420 for accommodation per membership, 2 month waiting period. Wheelchairs & Crutches, 80% of the cost per item, $100 per person, 2 month waiting period. Non-Surgical Prosthesis, Splints, Garments, Braces, Asthma Pumps, TENS machines, C-PAP devices, oral appliance for sleep apnoea, peak flow meters and blood pressure monitors, 80% of the cost up to $600 per person (combined limit - see Blood glucose monitors), 12 month waiting period. Benefit is payable every 2 calendar years (except oral appliance for sleep apnoea) . 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
Home nursing

Other features of this general treatment cover: Please refer to the product Fact Sheet or contact Australian Unity for further details.

Ambulance cover

In NT this policy provides:

Emergency: Unlimited with no waiting period.

Call-out fees: Will be paid for each attendance, including emergency treatment without transport to hospital.

Other features of this ambulance cover: Despite the above, call-out fees where you're not taken to hospital are limited to 2 ambulance attendances per-person per-calendar year. Please note: This cover doesn't include non-emergency ambulance transportation. Emergency ambulance transportation to hospital is only covered if transport is coded and invoiced as emergency transport by a state/territory ambulance service/authority. 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.

Insurer Details

Australian Unity Health Limited

LifeChoice Boost (Gold)

$495.75 / month

(Before Rebate, Discount & Loading)

Available in NT

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/J7/DAHY10

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