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Focus Extras (FCE)

A Extras-only 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 (13)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	Periodic exam (012): 60% of the fee Scale and clean (114): 60% of the fee Fluoride (121): 60% of the fee	$700 a yearShared with Major dental, Root canal (endodontics)
Major dental	12 months	Extraction (322): 60% of the fee Full crown, veneered (615): 60% of the fee	$700 a yearShared with General dental, Root canal (endodontics)
Root canal (endodontics)	12 months	Root canal obturation (417): 60% of the fee	$700 a yearShared with General dental, Major dental
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
Physiotherapy	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$400 a yearShared with Exercise physiology
Chiropractic	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$250 a yearShared with Osteopathy
Psychology	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$200 a year
Acupuncture	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$200 a yearShared with Remedial massage
Remedial massage	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$200 a yearShared with Acupuncture
Dietetics	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$200 a year
Exercise physiology	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$400 a yearShared with Physiotherapy
Osteopathy	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$250 a yearShared with Chiropractic
Vaccinations	No waiting period	Per vaccination: 60% of the fee	$150 a year

Not covered: Orthodontics (braces), Orthoptics, Hearing aids, Audiology (hearing tests), Podiatry, Orthotics, Chinese herbal medicine, Speech therapy, Occupational therapy, Non-PBS prescription medicines, Blood glucose monitors, Antenatal and postnatal care, Health management programs, Home nursing

Annual limits

Services in the same group share one limit.

General dental, Major dental, Root canal (endodontics)
$700 a year
Glasses and contact lenses
$200 a year
Physiotherapy, Exercise physiology
$400 a year
Chiropractic, Osteopathy
$250 a year
Psychology
$200 a year
Acupuncture, Remedial massage
$200 a year
Dietetics
$200 a year
Vaccinations
$150 a year

Insurer's notes (original English)

Other services

Annual benefit limits apply per calendar year. Myotherapy - 60% of the consultation, maximum $200 per person (combined limit - see Acupuncture), 2 month waiting period. There are Preventative Health Services available on this cover, waiting periods may apply. 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 the yearly limit. 2) Full denture replacement limited to once every three years. 3) Gum disease treatment included under Endodontics (12 month waiting period). 4) 60% of the chiropractic x-ray fee, limit one per person per calendar year. 5) Travel vaccinations only.

Frequently asked questions

How much does Focus Extras (FCE) pay for a scale and clean?

According to government data, Focus Extras (FCE) pays 60% of the fee for a scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: $700 a year.

What are the waiting periods for Focus Extras (FCE)?

General dental 2 months, Major dental 12 months, Root canal (endodontics) 12 months, Glasses and contact lenses 6 months, Physiotherapy 2 months, Chiropractic 2 months, Psychology 2 months, Acupuncture 2 months, Remedial massage 2 months, Dietetics 2 months, Exercise physiology 2 months, Osteopathy 2 months, Vaccinations No waiting period.

Can Focus Extras (FCE) be bought on its own?

Yes. This product doesn't need to be held with hospital cover.

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