Extras Cover


Regardless of how great your health is, the need for Dental, Optical or Physiotherapy services could arise. Having an Extras policy can help you reduce the cost for those services not covered by Medicare. Depending of the product you select, you can claim back a set benefit amount or a percentage of the cost of your treatment on each visit, up to your annual limit.

With CUA Health Extras cover, you’re not restricted to a network of preferred providers so you can visit the healthcare provider of your choice.

General dental Preventative Treatment 2 months No Annual limit $1,500 Year 1 - $700
Year 2 - $800
Year 3+ - $900
$700 $400 Combined limit $350 per person $500 per policy Year 1 & 2 - $350
Year 3+ - $400
Dental Examinations
Scale and Clean
Extractions
Fillings
X-Rays
Major dental Periodontics (e.g. treatment of gum disease) 12 months $1,300 $800
(Lifetime limit of $2,000)
Year 1 - $650
Year 2 - $700
Year 3+ - $750
x x
Crowns dentures & Bridges
Root Canal
Orthodontics Provisions of Braces and adjustments 12 months $900
(Lifetime limit of $2,500 )
$500
(Lifetime limit of $1,500)
x x
Optical Prescription Lenses (includes frames when invoiced together) 6 months $250
(100% up to limit)
$225
(100% up to limit)
$200
(100% up to limit)
$200
(100% up to limit)
$150
(100% up to limit)
x Year 1 & 2 - $150
Year 3+ - $200
Crowns dentures & Bridges
Physiotherapy Consultations 2 months Year 1 - $700
Year 2 - $800
Year 3+ - $900
$700
Combined limit for Physiotherapy, Chiropractic, Osteopathy and Wellness Benefits
$200 sub-limit applies for Wellness Benefits
Year 1 - $550
Year 2 - $600
Year 3+ - $650
$500
Combined limit for Physiotherapy, Chiropractic, Osteopathy, Wellness Benefits and Alternative Therapy
$250 Combined limit with general dental Year 1 & 2 - $300
Year 3+ - $350
Combined Limit for Physiotherapy, Chiropractic, Osteopathy, Psychology & Remedial Massage
Chiropractic Consultations 2 months Year 1 - $400
Year 2 - $450
Year 3 - $500
$250 $200 x
Osteopathy
Wellness Benefits Health Association Fees & Subscriptions 6 months Year 1 - $200
Year 2 - $325
Year 3+ - $400
50% of cost Individual sub-limits, benefits and restrictions apply
Year 1 - $100
Year 2 - $150
Year 3+ - $200
50% of cost Individual sub-limits, benefits and restrictions apply
x x
Health Management Programs
Health Checks, Scans & Screenings
Podiatry Consultations 2 months $400 $500 $210 x x x x
Biomechanical assessments
Custom Orthotics (excludes pre-made and off-the-shelf orthotics) 12 months
Alternative Therapy Service Group 1:
Acupuncture & Chinese Herbalism
2 months $400 per person
Up to $800 per family
Sublimit $250 per service group applies
$250
Up to $500 per family
Sublimit $150 per service group applies
Combined limit for Physiotherapy, Chiropractic, Osteopathy, Wellness Benefits and Alternative Therapy
$100 sub-limit applies for Wellness Benefits and a $100 sub-limit applies for Alternative Therapy
$100
Up to $200 per family
Service Group 2:
Remedial Massage
Combined limit for Physiotherapy, Chiropractic, Osteopathy, Psychology & Remedial Massage
Psychology Consultations 2 months $500 $250 x x
Speech therapy x
Eye/Orthoptic therapy
Occupational therapy
Dietetics & nutrition
Exercise physiology
Health aids & appliances Hearing Aids 12 months $800
80% of cost up to limit
Individual sub-limits, restrictions and replacement periods may apply
$600
60% of cost up to limit
Individual sub-limits, restrictions and replacement periods may apply
Blood Glucose Monitors
Nebulisers
CPAP Devices
TENS Machine
Mammary Prostheses
Blood Pressure Monitor
Non PBS Pharmaceuticals Benefits for some prescription drugs that are not subsidised by the government under the PBS & comply with the fund benefit eligibility. 2 months $570^^ $250^^ $100^^
Ambulance Transport For residents of all states, except QLD & TAS, benefits are payable for Emergency only ambulance transport anywhere in Australia (including Air Ambulance). Refer to the CUA Health Member Guide for more details. 1 Day No annual limit No annual limit No annual limit No annual limit No annual limit No annual limit No annual limit
Bonus Features Bonus dental for kids and adults x Bonus dental for kids and adults x Bonus dental for kids x Healthy Start bonus

Why choose our Extras cover?

  • Bonus dental check ups

    On some extra covers, additional benefits help reduce or eliminate the cost of dental care. For routine dental services, to a value of $250 per visit (with no gap to pay), one visit every year for adults (two visits for dependents under 23).

  • Easy mobile claims

    The CUA Health Mobile Claiming app means you only need to upload a photo of your invoice to make a claim. If it’s under $300, it will be assessed immediately and the funds will be transferred to your bank account.

  • Manage your Extras claims online

    Use our Online Services portal to submit most Extras claims, check your Extras benefits balance, check specific details about your cover and manage your policy and personal details.

  • Talk to us in person

    Have a question about your CUA Health insurance and want to speak to us in person? Easy! We’re part of CUA, so just drop into your local branch for a chat.

Ready to join?

Simply choose the cover that’s right for you. If you’re transferring from another provider, be sure to have your policy details handy and we’ll look after all the paperwork for you.

Join now

Have a few questions?

If you have any questions about your health cover, you can take a look at our Health Insurance Frequently Asked Questions. Alternatively you can call us on 1300 499 260 or drop into your local CUA branch.

Important information Important information Show content

*Get 4% discount on your CUA Health premium when you pay by direct debit from your CUA transaction account. CUA Health reserves the right to amend or remove the discount and any qualifying criteria at any time. We will always provide you with reasonable notice before exercising this right. Full terms and conditions available at cua.com.au/health-insurance/health-discount.

Credit Union Australia Ltd ABN 44 087 650 959 (CUA) is an authorised deposit-taking institution. Visit cua.com.au/health-insurance/health-discount for more information.

CUA Health Insurance is provided by CUA Health Ltd 98 098 685 459 (CHL) which is not an authorised deposit-taking institution. While CUA Health Insurance may be distributed by Credit Union Australia Ltd ABN 44 087 650 959 (CUA), CUA is not liable for this product and does not stand behind CHL.

Click here to see the full CUA Health Terms and Conditions.