healthslips.com.au Policy Information

Australian Unity Health Limited

LifeChoice (Gold)

$1095.25 / month

(Before Rebate, Discount & Loading)

Available in VIC

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 & dependants, including non-student dependants (3 or more people, only 2 of whom are adults).

Children (0 - 17), non-classified* dependant (18 - 22), students (23 - 30) and non-students (23 to 30), as well as persons with a disability who qualify as a child, non-classified* dependant, student and non-student in these age ranges. *Non-classified dependant: A period during which we cover single dependants regardless of student status.

Policy ID: AUF/J8/VGBL2Y

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 person and $1000 per policy per year.

Excess payments do not apply to hospital admissions for dependants.

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

Excess applies once per person admitted into hospital per calendar year and is waived if the admission is for a dependant. Additional Benefits of the cover include: 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

Using a preferred provider means you may have lower out of pocket costs and can access more No Gap treatments on dental, plus discounts on some optical purchases. A preferred providers list is available from Australian Unity.

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

$500 per person

combined limit for acupuncture & remedial massage

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

$600 per person

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

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

$500 per person

  • Filling of one root canal: 80% of charge
Exercise physiology 2

$600 per person

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

$200 per person up to $500 per policy

  • Health management: 80% of charge
Major dental* 12

$1,200 per person

sub-limits apply

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

$500 per person

  • Per eligible prescription: 80% of charge
Optical 6

$250 per person

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

$500 per person

$2,800 lifetime limit

  • Braces for upper & lower teeth, including removal plus fitting of retainer: 80% of charge
Osteopathy 2

$600 per person

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

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

$600 per person

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

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

$600 per person

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

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

$500 per person

combined limit for acupuncture & remedial massage

  • Initial visit: $30
  • Subsequent visit: $30
Vaccinations* 0

$150 per person up to $300 per policy

  • Per service: 100% of charge

Acupuncture

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for acupuncture & remedial massage}

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $30}

Chiropractic*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

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

Examples of maximum benefits

{Filling of one root canal: 80% of charge}

Exercise physiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

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

{$200 per person up to $500 per policy}

Examples of maximum benefits

{Health management: 80% of charge}

Major dental*

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,200 per person}

{sub-limits apply}

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 person}

Examples of maximum benefits

{Per eligible prescription: 80% of charge}

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}

Orthodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{$2,800 lifetime limit}

Examples of maximum benefits

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

Osteopathy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

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

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

{$600 per person}

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

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

{$600 per person}

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

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

{$500 per person}

{combined limit for acupuncture & remedial massage}

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $30}

Vaccinations*

Waiting period:  0 month

Benefit limits per 12 months unless otherwise stated

{$150 per person up to $300 per policy}

Examples of maximum benefits

{Per service: 100% of charge}

Annual limits apply per calendar year. Myotherapy, 80% of the consultation fee, $600 per person, (Combined limit - see Physiotherapy) 2 month waiting period. Sickness Travel & Accommodation, 80% of the cost, $200 for travel, $420 for accommodation per membership, 2 month waiting period. 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
Eye therapy (orthoptics)
Hearing aids
Home nursing
Occupational therapy
Orthotics (podiatric orthoses)
Psychology
Speech therapy

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

Ambulance cover

In VIC 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 (Gold)

$1095.25 / month

(Before Rebate, Discount & Loading)

Available in VIC

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/J8/VGBL2Y

Read our Terms of Use and Privacy Policy