Australian Unity Health Limited

Secure Choice (Silver Plus)

Name: Secure Choice (Silver Plus)
Brand: Australian Unity Health Limited
Price: 671.2 AUD

$671.20 / month

(Before Rebate, Discount & Loading)

Available in QLD

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: One adult & dependants, including non-student dependants (2 or more people, only one of whom is an adult).

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/J64/QJVT1Y

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.

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
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

Using a preferred provider means you may have lower out of pocket costs, 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

$300 per person up to $600 per policy

combined limit for acupuncture, dietetics/dietary advice & remedial massage

Initial visit: $40
Subsequent visit: $40

Audiology 2

$200 per person up to $400 per policy

combined limit for audiology, eye therapy (orthoptics), occupational therapy & speech therapy

Initial visit: $40
Subsequent visit: $40

Blood glucose monitors* 12

$200 per person up to $400 per policy

Per monitor: 50% of charge

Chiropractic* 2

$200 per person up to $400 per policy

combined limit for chiropractic & osteopathy

Initial visit: $40
Subsequent visit: $40

Dietetics/dietary advice 2

$300 per person up to $600 per policy

combined limit for acupuncture, dietetics/dietary advice & remedial massage

Initial visit: $40
Subsequent visit: $40

Endodontic* 12

$1,000 per person up to $2,000 per policy

combined limit for endodontic, general dental & major dental

Filling of one root canal: 50% of charge

Exercise physiology 2

$400 per person up to $800 per policy

combined limit for exercise physiology & physiotherapy

Initial visit: $50
Subsequent visit: $50

Eye therapy (orthoptics) 2

$200 per person up to $400 per policy

combined limit for audiology, eye therapy (orthoptics), occupational therapy & speech therapy

Initial visit: $40
Subsequent visit: $40

General dental* 2

$1,000 per person up to $2,000 per policy

combined limit for endodontic, general dental & major dental

Fluoride treatment: 50% of charge
Scale & clean: 50% of charge
Surgical tooth extraction: 50% of charge
Periodic oral examination: 50% of charge

Health management / Healthy lifestyle 6

$200 per person

Health management: 50% of charge

Hearing aids* 12

$400 per person up to $800 per policy

Hearing aid: 50% of charge

Major dental* 12

$1,000 per person up to $2,000 per policy

combined limit for endodontic, general dental & major dental

Full crown veneered: 50% of charge

Non PBS pharmaceuticals 2

$300 per person up to $600 per policy

combined limit for non pbs pharmaceuticals & vaccinations

Per eligible prescription: $40

Occupational therapy 2

$200 per person up to $400 per policy

combined limit for audiology, eye therapy (orthoptics), occupational therapy & speech therapy

Initial visit: $40
Subsequent visit: $40

Optical 6

$200 per person up to $400 per policy

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

Orthodontic 12

$600 per person up to $1,200 per policy

$1,800 lifetime limit

Braces for upper & lower teeth, including removal plus fitting of retainer: 100% of charge

Orthotics (podiatric orthoses)* 12

$300 per person up to $600 per policy

combined limit for orthotics (podiatric orthoses) & podiatry

Orthotics supply & fit: 50% of charge

Osteopathy 2

$200 per person up to $400 per policy

combined limit for chiropractic & osteopathy

Initial visit: $40
Subsequent visit: $40

Physiotherapy 2

$400 per person up to $800 per policy

combined limit for exercise physiology & physiotherapy

Initial visit: $50
Subsequent visit: $50

Podiatry 2

$300 per person up to $600 per policy

combined limit for orthotics (podiatric orthoses) & podiatry

Initial visit: $40
Subsequent visit: $40

Psychology 2

$200 per person up to $400 per policy

Initial visit: $80
Subsequent visit: $80

Remedial massage 2

$300 per person up to $600 per policy

combined limit for acupuncture, dietetics/dietary advice & remedial massage

Initial visit: $40
Subsequent visit: $40

Speech therapy 2

$200 per person up to $400 per policy

combined limit for audiology, eye therapy (orthoptics), occupational therapy & speech therapy

Initial visit: $40
Subsequent visit: $40

Vaccinations* 0

$300 per person up to $600 per policy

combined limit for non pbs pharmaceuticals & vaccinations

Per service: 100% of charge

Acupuncture

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person up to $600 per policy}

{combined limit for acupuncture, dietetics/dietary advice & remedial massage}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

Audiology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person up to $400 per policy}

{combined limit for audiology, eye therapy (orthoptics), occupational therapy & speech therapy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

Blood glucose monitors*

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$200 per person up to $400 per policy}

Examples of maximum benefits

{Per monitor: 50% of charge}

Chiropractic*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person up to $400 per policy}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

Dietetics/dietary advice

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person up to $600 per policy}

{combined limit for acupuncture, dietetics/dietary advice & remedial massage}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

Endodontic*

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person up to $2,000 per policy}

{combined limit for endodontic, general dental & major dental}

Examples of maximum benefits

{Filling of one root canal: 50% of charge}

Exercise physiology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person up to $800 per policy}

{combined limit for exercise physiology & physiotherapy}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $50}

Eye therapy (orthoptics)

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person up to $400 per policy}

{combined limit for audiology, eye therapy (orthoptics), occupational therapy & speech therapy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

General dental*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person up to $2,000 per policy}

{combined limit for endodontic, general dental & major dental}

Examples of maximum benefits

{Fluoride treatment: 50% of charge}

{Scale & clean: 50% of charge}

{Surgical tooth extraction: 50% of charge}

{Periodic oral examination: 50% of charge}

Health management / Healthy lifestyle

Waiting period: 6 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

Examples of maximum benefits

{Health management: 50% of charge}

Hearing aids*

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$400 per person up to $800 per policy}

Examples of maximum benefits

{Hearing aid: 50% of charge}

Major dental*

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person up to $2,000 per policy}

{combined limit for endodontic, general dental & major dental}

Examples of maximum benefits

{Full crown veneered: 50% of charge}

Non PBS pharmaceuticals

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person up to $600 per policy}

{combined limit for non pbs pharmaceuticals & vaccinations}

Examples of maximum benefits

{Per eligible prescription: $40}

Occupational therapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person up to $400 per policy}

{combined limit for audiology, eye therapy (orthoptics), occupational therapy & speech therapy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

Optical

Waiting period: 6 months

Benefit limits per 12 months unless otherwise stated

{$200 per person up to $400 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

{$600 per person up to $1,200 per policy}

{$1,800 lifetime limit}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: 100% of charge}

Orthotics (podiatric orthoses)*

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$300 per person up to $600 per policy}

{combined limit for orthotics (podiatric orthoses) & podiatry}

Examples of maximum benefits

{Orthotics supply & fit: 50% of charge}

Osteopathy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person up to $400 per policy}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

Physiotherapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person up to $800 per policy}

{combined limit for exercise physiology & physiotherapy}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $50}

Podiatry

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person up to $600 per policy}

{combined limit for orthotics (podiatric orthoses) & podiatry}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

Psychology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person up to $400 per policy}

Examples of maximum benefits

{Initial visit: $80}

{Subsequent visit: $80}

Remedial massage

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person up to $600 per policy}

{combined limit for acupuncture, dietetics/dietary advice & remedial massage}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

Speech therapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person up to $400 per policy}

{combined limit for audiology, eye therapy (orthoptics), occupational therapy & speech therapy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

Vaccinations*

Waiting period: 0 month

Benefit limits per 12 months unless otherwise stated

{$300 per person up to $600 per policy}

{combined limit for non pbs pharmaceuticals & vaccinations}

Examples of maximum benefits

{Per service: 100% of charge}

Annual benefit limits apply per calendar year. Myotherapy - $40 per consultation, maximum $300 per person, $600 per family (combined limit - see Acupuncture), 2 month waiting period. Braces, Splints and Garments - up to 50% of the cost, maximum $300 per person, $600 per family (combined limit - see Podiatry), 12 month waiting period. Devices and aids: Asthma pumps, Peak flow meters, Blood pressure monitors, Tens machines, CPAP/BPAP devices, Non-surgical prosthesis - up to 50% of cost, maximum $200 per person, $400 per family (combined limit - see Blood glucose monitors), 12 month waiting period. Benefit for each item is payable every 2 calendar years (does not apply to wigs). Wheelchairs and crutches - up to 50% of cost, maximum $200 per person, $400 per family (combined limit - see Blood glucose monitors), 2 months 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

Chinese medicine

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

Ambulance cover is provided by the State government for Queensland residents (https://www.ambulance.qld.gov.au). This includes cover whilst interstate.

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 unlimited for ambulance attendances per person per calendar year. This cover doesn't include non-emergency ambulance transportation.

Insurer Details

Australian Unity Health Limited

Secure Choice (Silver Plus)

$671.20 / month

(Before Rebate, Discount & Loading)

Available in QLD

Australian Unity Health Limited

http://www.australianunity.com.au

healthcover@australianunity.com.au

13 29 39

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/J64/QJVT1Y

Secure Choice (Silver Plus)

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Talk to an Australian health insurance expert

Secure Choice (Silver Plus)

Policy ID: AUF/J64/QJVT1Y

Hospital Cover

Extras Cover

Ambulance cover

Insurer Details

Australian Unity Health Limited

Policies change monthly, stay informed

Talk to an Australian health insurance expert

Secure Choice (Silver Plus)

Policy ID: AUF/J64/QJVT1Y

Hospital Cover

Extras Cover

Ambulance cover

Insurer Details

Australian Unity Health Limited

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Policies change monthly, stay informed