Health Insurance

Extras Cover


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. Basic 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 $700 $400
Major dental 12 months $1100 $600 x
Orthodontics 12 months $900
(Lifetime limit $2500 )
(Lifetime limit $1500 )
Optical 6 months $250 $200 $150
Non-PBS pharmaceuticals 2 months $570 $250 $100
Physiotherapy 2 months Year 1 - $500
Year 2 - $600
Year 3 - $700
$300 $250
Chiropractic 2 months Year 1 - $400
Year 2 - $450
Year 3 - $500
$225 $200
Podiatry 2 months $400 $210 x
Accupuncture 2 months $400
Up to $800 per family
Sublimit $250 per service group
Up to $500 per family
Sublimit $150 per service group
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)
60% of cost (sub limit apply for some appliances)
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
Available stand alone? - Yes Yes No

Choose your hospital and extras cover

Hospital cover

Top cover
Low cover

Extras cover

Top cover
Low cover

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Hospital cover

Extras cover

# The quoted price assumes you live in Queensland and you’ll receive 26.791% 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).

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.

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 Show content

*First month free is available only to new policy holders who join via Credit Union Australia Limited. ABN: 44 087 650 959 (CUA) directly.

Please read the information carefully and retain for your future reference. If you join CUA Health, confirmation of your cover and policy information will be sent to you. If you change your mind CUA Health provides a cooling off period of 30 days from the start date of your policy. For more information including Code of Conduct and Complaints resolution refer to information for policy holders.

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.

It’s important to know that we only pay a benefit for services performed by private practitioners in a private practice, provided their associations and services are recognised by us. If you’re unsure if the provider you have selected, or service you require is covered under your policy, please contact CUA Health for confirmation. The items, limits and benefits are provided as a general guide only. Please call us if any further information is required. Calendar year limits cover the period 1 January to 31 December each year.

When changing health insurers, Extras benefits paid by your old health fund will be counted towards your annual limits in your first year of membership with us.

Benefit limitation periods

During the first 24 months from joining and after waiting periods have been served, benefits paid for these treatments will be limited to the same amount you would receive in a public hospital for the same treatment. After 24 months from joining you will be eligible for the full benefits under the policy.

Medical costs

The medical charge is the cost for any services performed by doctors or specialists. This includes, but is not limited to – surgeons, anaesthetists, pathologists and assistant surgeons. Medicare sets an amount payable toward the medical costs, called the Medicare schedule fee. Medicare pays 75% of the schedule fee and CUA Health pays the remaining 25%. If the doctor or specialist chooses to charge above the schedule fee, then the difference is paid by you, unless your doctor or specialist chooses to participate in CUA Health’s Access gap cover scheme – see below for more info.

Access gap cover scheme

The Access Gap Cover Scheme will reduce or in some instances eliminate your out-of-pocket expenses for specialist care you receive while in hospital.

Doctors and specialists electing to participate in the Access Gap Cover Scheme can bill CUA Health directly. So, not only does your hospital treatment cost you less, but the billing system is made easier for you too.

Access to a complete list of doctors and specialists participating in the Access Gap Cover Scheme is available here. If your doctor or specialist chooses to use the Scheme, you will either:

  • have no out-of-pocket expenses, or
  • be provided with an estimate of out-of-pocket expenses before your treatment

Your doctor or specialist may choose to use the Scheme on a patient-by-patient basis. Of course, whether or not your doctor or specialist participates in the Access Gap Cover Scheme will not change the relationship you have with him or her, or affect the treatment you receive.

Excess payment

Excess: An upfront amount that you agree to pay towards the cost of hospital treatment, in exchange for lower premiums. For example, if you have Premium Hospital cover with $250 excess, and require hospital treatment you’ll pay $250 per person, per calendar year. This does not apply to dependants listed on the policy.

Agreement hospitals

CUA Health has agreements with the majority of private hospitals and day surgeries. If your hospital or day surgery doesn’t have an agreement with CUA Health, you may be subject to large out-of-pocket expenses, in addition to any excess or co-payment. Please check with your hospital prior to admission. Access to a complete list of agreement hospitals is available here.