Waiting period and Yearly limit for extras

Policy Services Descriptive Benefit Yearly Limit Waiting Periods
Budget Working Cover NA NA NA NA NA
Standard Working cover NA NA NA NA NA
Mid working cover Dental General Dental - - Preventative, X-rays, Basic Restorations, Basic Surgery & Extractions 50% $500 Per Person $1,000 Per Family 2 Months
Major Dental - - Periodontics, Endodontics, Crowns & Bridges, Implants & Dentures X X X
Orthodontics X X X
Optical Glasses, contact lenses 100% $150 Per person
$300 per family
6 months
Laser eye surgery X X X
Physiotherapy Physiotherapy Initial: $35
Standard: $25
$300 Per person
$600 per family
2 months
Occupational Therapy
Orthoptics (eye therapy)
Exercise Physiology 50%
Hydrotherapy
Chiropractic Chiropractic Initial: $35
Standard: $25
$300 Per person
$600 per family
2 months
Osteopathic Services
Complementary Therapies Acupuncture Initial: $35
Standard: $25
$150 Per person
$300 per family
2 months
Natural Therapy
Remedial Massage
Dietetics
Chinese Medicine consultation
Podiatry Podiatry (Chiropody) X X X
Psychology Psych/Group Therapy X X X
Speech Therapy Speech Therapy X X X
Health Management Programs Preventative Health 50% $100 Per person
$200 per family
6 months
Health Aids & Wellness Equipment (1 every 3 years) X X X
Health Services (allergy treatments)
Orthotics (1 every 2 years)
Hearing Aids Hearing & Audiology X X
Top Working Cover Dental General Dental - - Preventative, X-rays, Basic Restorations, Basic Surgery & Extractions 70% $1000 Per Person
$2,000 Per Family
2 months
Major Dental - - Periodontics, Endodontics, Crowns & Bridges, Implants & Dentures 70% $1000 Per Person
$2,000 Per Family
12 months
Orthodontics 70% $800
$2400 Lifetime Limit
Optical Glasses, contact lenses 100% $250 Per Person
$500 Per Family
6 months
Laser eye surgery 70% $500 per eye
$2,000 per family
24 months
Physiotherapy Physiotherapy Initial: $51
Standard: $41
$500 Per person
$1000 per family
2 months
Occupational Therapy
Orthoptics (eye therapy)
Exercise Physiology 70%
Hydrotherapy
Chiropractic Chiropractic Initial: $45
Standard: $35
$500 Per person
$1000 per family
2 months
Osteopathic Services
Complementary Therapies Acupuncture Initial: $45
Standard: $35
$350 Per person
$700 per family
2 months
Natural Therapy
Remedial Massage
Dietetics
Chinese Medicine consultation
Podiatry Podiatry (Chiropody) Initial: $45
Standard: $35
$400 Per Person
$800 Per Family
2 months
Psychology Psych/Group Therapy Initial: $90
Standard: $70
$400 Per Person
$800 Per Family
2 months
Speech Therapy Speech Therapy 70% $400 Per Person
$800 Per Family
2 months
Health Management Programs Preventative Health 70% $200 Per person
$400 per family
6 months
Health Aids & Wellness Equipment (1 every 3 years) 70% $500 Per Person
$1,000 Per Family
2 months
Health Services (allergy treatments) 70% up to $150
Orthotics (1 every 2 years) 70% up to $150
Hearing Aids Hearing & Audiology 70% $1,000 every 5 years 24 months
Policy Services Waiting period Yearly Limit Coverage
Essential Visitors Cover NA NA NA NA
Essential 50 Visitors Cover General Dental 2 months $300 50% of fees covered
Opticals 2 months  $150
Physiotherapy 2 months Combined limit of $200
($100 sub-limit on massage)
Chiropractic/Osteopathy 2 months 
Natural therapies 2 months 
Premium Visitors Cover NA NA NA NA
Premium 90 Visitors Cover General Dental 2 months  Year 1: $1200, Year 2: $1320, Year 3: $1440, Year 4: $1560, Year 5: $1680, Year 6+: $1800 90% of fees covered
Major dental 12 months Combined with: General Dental
Orthodontics 12 months Combined with: General Dental
Optical 2 months  $300
Physiotherapy 2 months  Year 1: $550, Year 2: $600, Year 3: $650, Year 4: $700, Year 5: $750, Year 6+: $800
Chiropractic and osteopathy 2 months  Year 1: $550, Year 2: $600, Year 3: $650, Year 4: $700, Year 5: $750, Year 6+: $800
Occupational Therapy 2 months  Combined with: Dietary
Speech Therapy 2 months  Combined with: Dietary
Eye Therapy 2 months  Combined with: Dietary
Mental Health (includes Psychology & Counselling 2 months  Year 1: $700, Year 2: $750, Year 3: $800, Year 4: $850, Year 5: $900, Year 6+: $950
Podiatry 2 months  Combined with: Mental Health
Natural Therapy 2 months  Combined with: Mental Health
Health Management Extras Servicetd> 6 months $100
Dietary 2 months  $500
Pharmacy 2 months  Combined with: Mental Health
Health aids and appliances 12 months Combined with: Mental Health
Home Nursing 2 months  $350
Travel and accommodation expenses 2 months  "$100 for travel expenses
$40 per night for accommodation expenses, up to $150 per year."
Emergency Ambulance Services NA NA
Policy Services Waiting period Yearly Limit
Budget Visitor Cover NA NA NA
Value Plus Visitor Cover Prescription medicine 2 months $500
Basic Visitor Health Cover Prescription medicine 2 months $500
Mid Visitor Cover Prescription medicine 2 months $1000 per person ; $2000 per family
Physiotherapy 2 months  $1000 per person ; $2000 per family
Chiropractical 2 months 
Osteopathy 2 months 
Artificial aid No waiting period (ask IMAN for a list of specific inclusions, restrictions and replacements)
Top Visitor Cover-C&F Prescription medicine 2 months $1000 per person ; $2000 per family
Physiotherapy 2 months $1000 per person ; $2000 per family
Chiropractical 2 months
Osteopathy 2 months 
Dental (General) 2 months $1000 per person ; $2000 per family
Dental (Major) 6 months
Optical 2 months
Occupational Therapy 2 months
Speech Therapy 2 months
Podiatry 2 months
Natural Therapies 2 months
Artificial aid No waiting period (ask IMAN for a list of specific inclusions, restrictions and replacements)
Policy Services Waiting period Yearly Limit
Overseas Workers Base Hospital NA NA NA
Overseas Workers Standard Hospital and Medical NA NA NA
Overseas Workers Advanced Hospital and Medical NA NA NA
Overseas Workers Premium Hospital, Medical and Extras ( Claim back percentage 85% ) General dental Not annual limit 2 months
Major dental $1,200 12 months
Orthodontics $1,000 12 months
Optical $250 6 months
Remedial Massage $400 combined limit 2 months
Physiotherapy $700 2 months
Chiroporatic & Osteotherapy $500 2 months
Psychology $500 Nil
Podiatry $500 2 months
Natural Therapies - see Remedial massage 2 months
Dietetics $500 2 months
Breathing Appliances $250 combined limit 12 months
Blood glucose monitor 24 months
Speech therapy $500 2 months
Heath appliances & external prostheses $500 2 months
Hearing aid $1,200 36 months
Prescription pharmaceuticals $600 2 months
Occupational therapy $500 2 months
Eye Therapy $500 2 months

No extras are applicable for Australian Unity Policies

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