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Active Choice (Silver Plus)

A Hospital + Extras product from Australian Unity. Below is the cover registered in the government data: waiting period, benefit per visit and annual limit for each service.

Government data date: 1 October 2026

Services covered (22)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	Periodic exam (012): 50% of the fee Scale and clean (114): 50% of the fee Fluoride (121): 50% of the fee Extraction (322): 50% of the fee	$800 a yearShared with Major dental, Root canal (endodontics)
Major dental	12 months	Full crown, veneered (615): 50% of the fee	$800 a yearShared with General dental, Root canal (endodontics)
Root canal (endodontics)	12 months	Root canal obturation (417): 50% of the fee	$800 a yearShared with General dental, Major dental
Orthodontics (braces)	12 months	Upper and lower braces plus retainer (881): 100% of the fee	$600 a year
Glasses and contact lenses	6 months	Single vision lenses and frames: 100% of the fee Multifocal lenses and frames: 100% of the fee	$200 a year
Non-PBS prescription medicines	2 months	Per prescription: $40	$300 a yearShared with Vaccinations
Physiotherapy	2 months	Initial visit: $50 Subsequent visit: $50	$400 a yearShared with Exercise physiology
Chiropractic	2 months	Initial visit: $40 Subsequent visit: $40	$200 a yearShared with Osteopathy
Podiatry	2 months	Initial visit: $40 Subsequent visit: $40	$300 a yearShared with Orthotics
Psychology	2 months	Initial visit: $80 Subsequent visit: $80	$200 a year
Acupuncture	2 months	Initial visit: $40 Subsequent visit: $40	$300 a yearShared with Remedial massage, Dietetics
Remedial massage	2 months	Initial visit: $40 Subsequent visit: $40	$300 a yearShared with Acupuncture, Dietetics
Audiology (hearing tests)	2 months	Initial visit: $40 Subsequent visit: $40	$200 a yearShared with Orthoptics, Occupational therapy, Speech therapy
Dietetics	2 months	Initial visit: $40 Subsequent visit: $40	$300 a yearShared with Acupuncture, Remedial massage
Exercise physiology	2 months	Initial visit: $50 Subsequent visit: $50	$400 a yearShared with Physiotherapy
Orthoptics	2 months	Initial visit: $40 Subsequent visit: $40	$200 a yearShared with Audiology (hearing tests), Occupational therapy, Speech therapy
Health management programs	6 months	Health management program: 50% of the fee	$150 a year
Occupational therapy	2 months	Initial visit: $40 Subsequent visit: $40	$200 a yearShared with Audiology (hearing tests), Orthoptics, Speech therapy
Orthotics	12 months	Per pair of orthotics: 50% of the fee	$300 a yearShared with Podiatry
Osteopathy	2 months	Initial visit: $40 Subsequent visit: $40	$200 a yearShared with Chiropractic
Speech therapy	2 months	Initial visit: $40 Subsequent visit: $40	$200 a yearShared with Audiology (hearing tests), Orthoptics, Occupational therapy
Vaccinations	No waiting period	Per vaccination: 100% of the fee	$300 a yearShared with Non-PBS prescription medicines

Not covered: Hearing aids, Chinese herbal medicine, Blood glucose monitors, Antenatal and postnatal care, Home nursing

Annual limits

Services in the same group share one limit.

General dental, Major dental, Root canal (endodontics)
$800 a year
Orthodontics (braces)
$600 a year, $1,800 lifetime
Glasses and contact lenses
$200 a year
Non-PBS prescription medicines, Vaccinations
$300 a year
Physiotherapy, Exercise physiology
$400 a year
Chiropractic, Osteopathy
$200 a year
Podiatry, Orthotics
$300 a year
Psychology
$200 a year
Acupuncture, Remedial massage, Dietetics
$300 a year
Audiology (hearing tests), Orthoptics, Occupational therapy, Speech therapy
$200 a year
Health management programs
$150 a year

Insurer's notes (original English)

Product features

Please refer to the product Fact Sheet or contact Australian Unity for further details.

Other services

Annual benefit limits apply per calendar year. Myotherapy - $40 per consultation, maximum $300 per person, $600 per family (combined limit - see Acupuncture), 2 month waiting period. Braces, Splints and Garments - up to 50% of the cost, maximum $300 per person, $600 per family (combined limit - see Podiatry), 12 month waiting period. Aids: Wheelchairs and crutches - up to 50% of cost, maximum $100 per person, $200 per family, 2 months waiting period. There are Preventative Health Services and Health Support Programs available on this cover. Please refer to the product Fact Sheet or contact Australian Unity for further details.

Special features

1) No waiting-period for preventative dental and selected diagnostic services. Treatments claimed as No Gap Dental benefits (where available) do not count to yearly limit 2) Full denture replacement limited to once every-three-years. 3) Surgical teeth extractions and gum-disease treatment included under Endodontics (12 month waiting period). 4) $40 per chiropractic x-ray fee, limit one per-person per-calendar-year. 5) Orthotic benefits are for supply only. 6) Travel vaccinations only

Frequently asked questions

How much does Active Choice (Silver Plus) pay for a scale and clean?

According to government data, Active Choice (Silver Plus) pays 50% of the fee for a scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: $800 a year.

What are the waiting periods for Active Choice (Silver Plus)?

General dental 2 months, Major dental 12 months, Root canal (endodontics) 12 months, Orthodontics (braces) 12 months, Glasses and contact lenses 6 months, Non-PBS prescription medicines 2 months, Physiotherapy 2 months, Chiropractic 2 months, Podiatry 2 months, Psychology 2 months, Acupuncture 2 months, Remedial massage 2 months, Audiology (hearing tests) 2 months, Dietetics 2 months, Exercise physiology 2 months, Orthoptics 2 months, Health management programs 6 months, Occupational therapy 2 months, Orthotics 12 months, Osteopathy 2 months, Speech therapy 2 months, Vaccinations No waiting period.

Can Active Choice (Silver Plus) be bought on its own?

This product combines hospital and Extras in one policy, with Silver Plus hospital cover.

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