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Please enter your income to show pricing inclusive of the Australian Government Rebate (AGR) or select ‘No Rebate’ for no AGR.

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TOTAL FROM: $Fortnightly

Singles cover, VIC
I'm Under 65 with an income $97,000 or less, Rebate Tier 0 and a 4% discount for direct debit.

Bank First members discount of 7.5% has been applied, inclusive of 4% direct debit discount.

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TOTAL FROM: $90^.70 Monthly

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Focus Extras

Focus in on the essentials with 60% back on key services. Plus, 100% back on Optical, selected dental services through our No Gap Dental Network and unlimited emergency ambulance .

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30 day cooling off period

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*Assumes 4% discount for direct debit and 0% aged based discount. Any rebate listed above has been factored into the price. Price includes cover for non-student dependants aged 23 and over.Price excludes cover for non-student dependants aged 23 and over.
Bank First members discount has been applied.

Extras cover benefits

Access to our No Gap Dental Network outside of your yearly limit, as well as cover for preventative, general and major dental
Cover for optical, physiotherapy, chiropractic, remedial massage, dietetics and more to stay healthy
Unlimited emergency ambulance and two ambulance attendances

Extras Fact Sheet

Focus Extras cover

Claim up to $2,300 per person per calendar year

Emergency Ambulance

Where the transport is coded and
invoiced as emergency transport by a
recognised State Ambulance authority

Benefits are not payable if ambulance service is already covered by a State-based scheme or your ambulance subscription.

Where an Extras cover is taken with Hospital cover, benefits are payable under the Hospital cover only, except where the Extras product offers additional benefits not included on Hospital.

Unlimited

100% of the cost

0 months

Ambulance Attendance

For Ambulance attendances where you are not taken to hospital

Benefits are not payable if ambulance service is already covered by a State-based scheme or your ambulance subscription.

Where an Extras cover is taken with Hospital cover, benefits are payable under the Hospital cover only, except where the Extras product offers additional benefits not included on Hospital.

2 attendances per person

100% of the cost

0 months

No Gap Dental Network

Covers selected services such as examinations, some x-rays, scale and clean, fluoride treatment and mouthguards. Please note: No Gap Dental providers are not available in all states and territories.

Benefits claimed as No Gap Dental do not count towards your yearly limit

100% of the cost for selected services at our No Gap Dental Network

0 months

Preventative Dental

Covers selected services such as scale and clean, fluoride treatment and mouthguards.

General Dental

Covers most fillings and simple extractions

Root Canal, Gum Disease Treatments & Surgical Extractions

Crowns, Bridges & Dentures

$700 per person, $1400 per family

60% of the cost per item

0 months

0 months for selected diagnostic services

2 months

12 months

12 months

A full denture replacement is limited to once every three years

Optical

For prescription glasses, contact lenses or repairs provided by a recognised optometrist in private practice. Excludes non-prescription sunglasses and contact lenses, and optical consultations.

$200 per person, $400 per family

Up to 100% of the cost per item

6 months

Physiotherapy

Including sports physiotherapy and hydrotherapy.

Exercise Physiology

Includes hydrotherapy

Combined maximum of $400 per person

60% of the consultation fee

2 months

Acupuncture

Remedial Massage

Myotherapy

Combined maximum of $200 per person

60% of the consultation fee

2 months

Chiropractic and Osteopathy

Combined maximum of $250 per person
60% of the consultation fee
60% of the chiropractic x-ray fee

Limit of one chiropractic x-ray per person

2 months

Dietetics

$200 per person

60% of the consultation fee

2 months

Psychology

$200 per person

60% of the consultation fee

2 months

Travel Vaccinations

For approved travel vaccines, supplied and administered in Australia prior to departure and for the purpose of overseas travel

$150 per person

60% of the cost per item

0 months

^ Waiting periods and yearly limits may apply.

Focus Extras cover cover

Claim up to $2,300 per person per calendar year

Where the transport is coded and invoiced as emergency transport by a recognised State Ambulance authority

Benefits are not payable if ambulance service is already covered by a State-based scheme or your ambulance subscription.

Where an Extras cover is taken with Hospital cover, benefits are payable under the Hospital cover only, except where the Extras product offers additional benefits not included on Hospital.

Yearly limits (per person)

Unlimited

100% of the cost

For approved travel vaccines, supplied and administered in Australia prior to departure and for the purpose of overseas travel

Yearly limits (per person)

$150 per person

60% of the cost per item

Waiting Periods

0 months

^ Waiting periods and yearly limits may apply.

Enjoy no gap preventative
dental treatments

Get preventative dental treatment with no out-of-pocket costs (up to your yearly limit, depending on your level of cover) when you visit any provider in our No Gap Dental Network.

Covered treatments include :

Initial and preventative examination
Scale, clean and topical fluoride treatment
Custom mouthguards for protection during contact sports

Waiting periods

A waiting period is the amount of time you have to wait after joining or upgrading until you can make a claim for a service or treatment.

Preventative Health Services

Preventative Health Services can offer practical support to help bring about positive change in members’ lives to help you get and stay healthy. They include things like losing weight, getting fit, quitting smoking, and working with a health coach to improve your general health and wellbeing. You’ll receive personalised and practical support plus information designed to bring about positive change giving you the tools needed to enjoy a longer, healthier and happier life.

To check your eligibility, which providers and programs you are able to use and any waiting periods that may apply, please contact us on 13 29 39. More information can be found here.

Where an Extras cover is taken with Hospital cover, benefits are payable under the Hospital cover only.

Out-of-pocket costs

Extras cover can help you get money back on common health treatments that aren’t generally covered by Medicare. You’ll get either a percentage of the cost back, or a set dollar amount, on included Extras every time you claim, until you reach your yearly limit. Therefore, you only pay the difference between what you get back from Australian Unity and the cost set by your provider.

Please call us or refer to your Member Guide and Terms & Conditions for further information on how this cover works. If you want more specific information about what you can expect your out-of-pocket costs to be, we recommend you obtain a quote from your provider before undergoing treatment, along with a list of item numbers. You can then contact us or log in to Online Member Services for details of benefits before proceeding with your treatment.

Recognised providers

We only pay benefits when you see a recognised provider in a private practice. Please contact us to check if your provider is recognised by us. Providers recognition conditions apply.

The information on this page is a summary only. Please read the product Fact Sheet to understand the benefits, limits, restrictions, exclusions, waiting periods, pre-existing conditions and excesses that apply, and what it means to be 'Covered' including out-of-pocket costs.

You choose who you see#

With your choice of provider, you can get treated by any health provider who is in private practice and is recognised by Australian Unity. Provider recognition conditions apply.

Claim sooner when you switch^

Switch to Australian Unity within 30 days of leaving your old fund and we will recognise the waiting periods you've already served.

Manage your cover online

Get rewards and discounts

We offer our members a wide range of ongoing discounts and rewards so you will get more than just great health insurance.

Medicare card
Payment details
Existing cover information (if applicable)

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Focus Extras

Focus in on the essentials with 60% back on key services. Plus, 100% back on Optical, selected dental services through our No Gap Dental Network and unlimited emergency ambulance .

Extras cover benefits

Focus Extras cover

Claim up to $2,300 per person per calendar year

Extras covered

Yearly limits (per person)/what you get back

Waiting periods

Ambulance Unlimited Emergency Ambulance transportation

Dental See individual limits below

Optical $200 yearly limit

Therapies See individual limits below

Other See individual limits below

Focus Extras cover cover

Extras covered

Ambulance Unlimited Emergency Ambulance transportation

Emergency Ambulance

Yearly limits (per person)

Waiting Periods

Ambulance Attendance

Yearly limits (per person)

Waiting Periods

Dental See individual limits below

No Gap Dental Network

Yearly limits (per person)

Waiting Periods

Preventative Dental

Yearly limits (per person)

Waiting Periods

General Dental

Yearly limits (per person)

Waiting Periods

Root Canal, Gum Disease Treatments & Surgical Extractions

Yearly limits (per person)

Waiting Periods

Crowns, Bridges & Dentures

Optical $200 yearly limit

Optical

Yearly limits (per person)

Waiting Periods

Therapies See individual limits below

Physiotherapy

Yearly limits (per person)

Waiting Periods

Exercise Physiology

Yearly limits (per person)

Waiting Periods

Chiropractic and Osteopathy

Yearly limits (per person)

Waiting Periods

Acupuncture

Yearly limits (per person)

Waiting Periods

Remedial Massage

Yearly limits (per person)

Waiting Periods

Myotherapy

Yearly limits (per person)

Waiting Periods

Other See individual limits below

Dietetics

Yearly limits (per person)

Waiting Periods

Psychology

Yearly limits (per person)

Waiting Periods

Travel Vaccinations

Yearly limits (per person)

Waiting Periods

Enjoy no gap preventative dental treatments

Covered treatments include :

Yearly limits (per person)
/what you get back

Enjoy no gap preventative
dental treatments