PRIMARY CARE EXTRA
Our most comprehensive ‘day-to-day’ package - get cover up to $2,200* collectively for dental, optical, GP costs, specialist & test, mole mapping, vaccinations and complementary medical.
All pre-existing conditions are covered and you can get three fully-funded mental health and wellbeing sessions
with Clearhead through to 31 December 2023.
Includes dental examinations, x-rays, cleaning/polishing performed by a Dentist, Oral Surgeon or Dental Hygienist. Includes fillings and teeth extraction (excluding wisdom teeth) performed by a Dentist or Oral Surgeon. Includes periodontic and endodontic treatment.
Crowns, dental implants and dentures are not included. Veneers, gold fillings or other forms of cosmetic dentistry are not included. Orthodontic treatment is not included (refer Orthodontic Benefit).
Waiting period: 6 months
Benefit maximum: 50% up to $350
Prescription medicines and laboratory tests ($20 per item limit), GP visits, Specialist consultations and diagnostic tests including: X-rays, Ultrasound (not obstetric), mammograms, prostate checks, and skin checks. Mole Mapping is included. Ambulance fees. Travel/consultations, Flu vaccinations and other vaccinations are included (subject to a Sub-limit of 50% reimbursement of actual costs incurred up to $100 per Calendar Year).
Waiting period: 3 months
Benefit maximum: 50% up to $1000
Physiotherapy, chiropractic, osteopathy, podiatry, acupuncture, naturopathy, homeopathy, psychology, psychotherapy, counselling, drug and alcohol therapy, dietitian and nutritionist consultations, lymphoedema therapy, allergy testing and chelation therapy, audiology, occupational therapy, speech-language therapy, infertility/sterilisation.
Waiting period: 3 months
Benefit maximum: 50% up to $500
Specified items prescribed by a GP, Specialist or Hospital. Includes: hearing aids, prosthesis (not related to surgery), toric and irlen lenses, aids for the control of diabetes or lung disease, Epipens, CPAP Machine/Mask, compression stockings/sleeves, specially made footwear (excluding inserts for shoes provided by a podiatrist), baby monitor or any equipment for the disabled.
Waiting period: 3 months
Benefit maximum: 50% up to $400
A contribution towards the cost of private hospital treatment. Includes surgeon’s fee, anaesthetist’s fee and private hospital charges.
HealthCarePlus approved Hospital Cover policy excess reimbursement: excludes oral surgery.
Waiting period: 3 months
Benefit maximum: 50% up to $1000 (^) & $500 maximum applies for excess reimbursement
A contribution towards the cost of orthodontic consultations and treatment for Insured Children.
Waiting period: 12 months
Benefit maximum: 30% up to $750 per child ($1500 maximum for the duration of the subscriber’s membership)
Optometrist eye examinations, prescription glasses and contact lenses.
Waiting period: 6 months
Benefit maximum: 50% up to $350
A lump sum payment for each live child born to a Subscriber or their partner; or for each child adopted by a Subscriber or their partner.
Waiting period: 12 months
Benefit maximum: $200
Where the Subscriber is required to take sick leave without pay due to illness.
Waiting period: 12 months
Benefit maximum: $50 per week plus $5 per insured child up to $60 per week, for a maximum of 26 weeks.
A contribution towards the cost of CT scans, MRI scans and Angiograms.
Waiting period: 6 months
Benefit maximum: 50% up to $600
A lump sum payment on the death of an Insured Adult or Child (including still birth).
Waiting period: 3 months
Benefit maximum: $1000
Get ongoing health & wellbeing advice, tailored to your age and situation - such as articles, videos and tips - as well as ongoing challenges that you can take yourself, or with family & friends.
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Union Medical Benefits Society Limited (UniMed) has been given an A (Excellent) insurer financial rating by AM Best. AM Best's ratings are as follows: Secure: A++, A+ (Superior); A, A- (Excellent); B++, B+ (Good) Vulnerable: B, B- (Fair); C++, C+ (Marginal); C, C- (Weak); D (Poor); E (Under Regulatory Supervision); F (In Liquidation); S (Suspended).
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* Benefit amounts are compiled from a core health plan specifically contributing towards Dental treatment, Optical, GPs & Prescriptions and Complimentary Medical benefits e.g. Physiotherapy, Osteopathy and Chiropractic treatment. If your quote is for a couple or a family, the benefit figure is per annum, and covers each Adult on the plan. The benefits for children cover the children on the plan collectively.
The Primary Care Extra plan can also be linked with an approved Hospital Cover policy to provide cover for expensive hospital treatment and take advantage of excess reimbursement ($500 maximum applies).