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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.
| Service Category | Items & Services | Waiting Periods | Total Extras | 75% Extras | Classic Extras | 60% Extras | Essential Extras | 50% Extras | Healthy Start Package |
| 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+ - $450 |
| Dental Examinations | |||||||||
| Scale and Clean | |||||||||
| Extractions | |||||||||
| Fillings | |||||||||
| X-Rays | |||||||||
| Major dental | Periodontics (e.g. treatment of gum disease) | 12 months | $1,500 |
$800
(Lifetime limit of $2,000) |
Year 1 - $700 Year 2 - $750 Year 3+ - $800 |
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 |
| Contact Lenses | |||||||||
| 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 & Travel Vaccinations |
| Chiropractic | Consultations | 2 months |
Year 1 - $400 Year 2 - $450 Year 3 - $500 |
$400 | $200 | x | |||
| Osteopathy | |||||||||
| Wellness Benefits | Health Association Fees & Subscriptions | 6 months |
Year 1 - $250 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 sub-limit $250 per service group applies |
$250
Up to $500 per family sub-limit $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 & Travel Vaccinations | ||||||||
| 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^^ | ||||
| Travel Vaccinations | Travel Vaccinations Only | ||||||||
| 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 |
Need more detail?
Why choose our Extras cover?
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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).
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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.
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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.
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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 nowHave 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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**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.
