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Health Insurance
Extras Cover
Extras cover to suit you. Join CUA Health and get your first month free*
We’ve put 40 years' experience into creating health insurance that offers you peace of mind, with flexibility to meet your needs as your life changes.
What you can get with our Extras cover
With all our Extras covers, you’re not restricted to a network of preferred providers - so you can choose when and where you’re treated.
Total Extras and Classic Extras offer the same full range of services, including preventative Wellness Benefits to help you stay healthy. What sets them apart is how much you can claim each year. Essential Extras is a great entry-level cover with affordable dental, physio and optical benefits.
| Waiting Period | Total Extras | Classic Extras | Essential Extras | |
| General dental | 2 months | No Annual limit |
Year 1 - $700 Year 2 - $800 Year 3 - $900 |
$400 |
| Major dental | 12 months | $1300 |
Year 1 - $650 Year 2 - $700 Year 3 - $750 |
x |
| Orthodontics | 12 months |
$900
(Lifetime limit $2500 ) |
$500
(Lifetime limit $1500 ) |
x |
| Optical | 6 months | $250 | $200 | $150 |
| Non-PBS pharmaceuticals | 2 months | $570 | $250 | $100 |
| Physiotherapy | 2 months |
Year 1 - $700 Year 2 - $800 Year 3 - $900 |
Year 1 - $550 Year 2 - $600 Year 3 - $650 |
$250 |
| Chiropractic | 2 months |
Year 1 - $400 Year 2 - $450 Year 3 - $500 |
$250 | $200 |
| Podiatry | 2 months | $400 | $210 | x |
| Accupuncture | 2 months | $400 Up to $800 per family Sublimit $250 per service group |
$250
Up to $500 per family Sublimit $150 per service group |
$100
Up to $200 per family |
| Naturopathy & homeopathy | ||||
| Remedial massage and other therapies | ||||
| Psychology | 2 months | $500 | $250 | x |
| Speech therapy | ||||
| Eye/Orthoptic therapy | ||||
| Occupational therapy | ||||
| Dietetics & nutrition | ||||
| Exercise physiology | ||||
| Health aids & appliances | 12 months |
$800
80% of cost (sub limit apply for some appliances) |
$600
60% of cost (sub limit apply for some appliances) |
x |
| Ambulance transport | 1 day | 100% | 100% | 100% |
|
Wellness Benefits
(E.g. Quit Smoking, Health Subscriptions etc. Sublimits apply |
6 months |
Year 1 - $250 Year 2 - $325 Year 3 - $400 |
Year 1 - $100 Year 2 - $150 Year 3 - $200 |
x |
| Available stand alone? | - | Yes | Yes | No |
Need more detail?
Why choose our Extras cover?
-
Extra dental for kids
Kids receive additional general dental benefits for routine dental services (item 012, item 114, item 121). No gap up to a total value of $250 per visit for two visits a year.
-
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.
Get a quoteHave 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
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2. First month free is available only to new policy holders who join via Credit Union Australia Limited ABN 44 087 650 959 (CUA) or CUA Health Ltd ABN 98 098 685 459 (CHL) directly. For members joining through a CUA branch, this offer is made by CUA and CUA is solely liable for this offer. For other members joining through CUA or CHL directly this offer is made by CHL.
3. The 4% discount is applied to CUA Health premiums paid by direct debit from a CUA transaction account on any policy effective from 4 April 2018. 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.
4. 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.
# The quoted price assumes you live in Queensland and you’ll receive 25.415% Australian Government Rebate for Private Health Insurance. Hospital cover prices are based on no Lifetime Health Cover Loading and an excess of $500 per person per calendar year (excluding dependants).
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.
