Hospital + ExtrasClosed

LifeChoice (Gold)

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

This product is closed: it no longer accepts new members, but existing members can keep using it.

Services covered (15)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	Periodic exam (012): 75% of the fee Scale and clean (114): 100% of the fee Fluoride (121): 100% of the fee Extraction (322): 75% of the fee	No annual limit
Major dental	12 months	Full crown, veneered (615): 80% of the fee	$1,200 a year
Root canal (endodontics)	12 months	Root canal obturation (417): 80% of the fee	$500 a year
Orthodontics (braces)	12 months	Upper and lower braces plus retainer (881): 80% of the fee	$500 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	$250 a year
Non-PBS prescription medicines	2 months	Per prescription: 80% of the fee	$500 a year
Physiotherapy	2 months	Initial visit: 80% of the fee Subsequent visit: 80% of the fee	$600 a yearShared with Chiropractic, Podiatry, Exercise physiology, Osteopathy
Chiropractic	2 months	Initial visit: 80% of the fee Subsequent visit: 80% of the fee	$600 a yearShared with Physiotherapy, Podiatry, Exercise physiology, Osteopathy
Podiatry	2 months	Initial visit: 80% of the fee Subsequent visit: 80% of the fee	$600 a yearShared with Physiotherapy, Chiropractic, Exercise physiology, Osteopathy
Acupuncture	2 months	Initial visit: $30 Subsequent visit: $30	$500 a yearShared with Remedial massage
Remedial massage	2 months	Initial visit: $30 Subsequent visit: $30	$500 a yearShared with Acupuncture
Exercise physiology	2 months	Initial visit: 80% of the fee Subsequent visit: 80% of the fee	$600 a yearShared with Physiotherapy, Chiropractic, Podiatry, Osteopathy
Health management programs	6 months	Health management program: 80% of the fee	$200 a year
Osteopathy	2 months	Initial visit: 80% of the fee Subsequent visit: 80% of the fee	$600 a yearShared with Physiotherapy, Chiropractic, Podiatry, Exercise physiology
Vaccinations	No waiting period	Per vaccination: 100% of the fee	$150 a year

Not covered: Orthoptics, Hearing aids, Audiology (hearing tests), Orthotics, Chinese herbal medicine, Psychology, Dietetics, Speech therapy, Occupational therapy, Blood glucose monitors, Antenatal and postnatal care, Home nursing

Annual limits

Services in the same group share one limit.

General dental
No annual limit
Major dental
$1,200 a year
Root canal (endodontics)
$500 a year
Also includes other services not listed
Orthodontics (braces)
$500 a year, $2,800 lifetime
Glasses and contact lenses
$250 a year
Non-PBS prescription medicines
$500 a year
Physiotherapy, Chiropractic, Podiatry, Exercise physiology, Osteopathy
$600 a year
Also includes other services not listed
Acupuncture, Remedial massage
$500 a year
Health management programs
$200 a year
Vaccinations
$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 limits apply per calendar year. Myotherapy, 80% of the consultation fee, $600 per person, (Combined limit - see Physiotherapy) 2 month waiting period. Sickness Travel & Accommodation, 80% of the cost, $200 for travel, $420 for accommodation per membership, 2 month waiting period. Please refer to the product Fact Sheet or contact Australian Unity for further details.

Special features

1,2) & 3) No waiting period for preventative dental and selected diagnostic services. A full denture replacement is limited to once every three years (12 month waiting period). Surgical Extraction of Teeth has a 12 month waiting period. Treatment of gum disease included under Endodontic limit (with 12-month waiting period). 4) Chiropractic also includes 1 chiropractic x-ray per person per calendar year , 80% cost. 5&6) Policy limits are shared between all people on the membership. No one person can claim more than the per person limit 6) Travel vaccinations only.

Frequently asked questions

How much does LifeChoice (Gold) pay for a scale and clean?

According to government data, LifeChoice (Gold) pays 100% of the fee for a scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: No annual limit.

What are the waiting periods for LifeChoice (Gold)?

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, Acupuncture 2 months, Remedial massage 2 months, Exercise physiology 2 months, Health management programs 6 months, Osteopathy 2 months, Vaccinations No waiting period.

Can LifeChoice (Gold) be bought on its own?

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

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