Smart Essentials (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.
This product is closed: it no longer accepts new members, but existing members can keep using it.
Services covered (16)
| Service | Waiting period | Max benefit per visit | Annual limit |
|---|---|---|---|
| General dental | 2 months |
| $750 a yearShared with Major dental, Root canal (endodontics) |
| Major dental | 12 months |
| $750 a yearShared with General dental, Root canal (endodontics) |
| Root canal (endodontics) | 12 months |
| $750 a yearShared with General dental, Major dental |
| Glasses and contact lenses | 6 months |
| $200 a year |
| Non-PBS prescription medicines | 2 months |
| $150 a yearShared with Vaccinations |
| Physiotherapy | 2 months |
| $350 a yearShared with Exercise physiology |
| Chiropractic | 2 months |
| $350 a yearShared with Osteopathy |
| Podiatry | 2 months |
| $250 a yearShared with Orthotics |
| Psychology | 2 months |
| $200 a yearShared with Dietetics |
| Acupuncture | 2 months |
| $350 a yearShared with Remedial massage |
| Remedial massage | 2 months |
| $350 a yearShared with Acupuncture |
| Dietetics | 2 months |
| $200 a yearShared with Psychology |
| Exercise physiology | 2 months |
| $350 a yearShared with Physiotherapy |
| Orthotics | 12 months |
| $250 a yearShared with Podiatry |
| Osteopathy | 2 months |
| $350 a yearShared with Chiropractic |
| Vaccinations | No waiting period |
| $150 a yearShared with Non-PBS prescription medicines |
Not covered: Orthodontics (braces), Orthoptics, Hearing aids, Audiology (hearing tests), Chinese herbal medicine, Speech therapy, Occupational therapy, 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)
$750 a year
Also includes other services not listed
Glasses and contact lenses
$200 a year
Physiotherapy, Exercise physiology
$350 a year
Also includes other services not listed
Chiropractic, Osteopathy
$350 a year
Acupuncture, Remedial massage
$350 a year
Non-PBS prescription medicines, Vaccinations
$150 a year
Podiatry, Orthotics
$250 a year
Psychology, Dietetics
$200 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, Combined maximum of $350 per person ($700 per family), (combined limit - see Physiotherapy limit) 2 month waiting period. Orthotic benefits are for supply only. Braces, Splints and Garments - up to 70% of the cost, maximum $250 per person up to $500 per policy (combined limit - see Podiatry) 12 month waiting period.
Special features
1),2),3) Dental limits increase for the first five years of membership. A sub-limit applies for Major Dental ($300 per-person). Major Dental includes crowns and selected repairs only. Surgical tooth extractions and treatment of gum disease included under Endodontic limit. (12-month waiting period). No waiting period for preventative dental and selected diagnostic services. 4) $30 for a Chiropractic x-ray, limit to 1 x-ray per person per-calendar year. 5) Remedial massage sub-limit of $125 per person 6) Travel Vaccinations only.
Frequently asked questions
How much does Smart Essentials (Silver Plus) pay for a scale and clean?
What are the waiting periods for Smart Essentials (Silver Plus)?
Can Smart Essentials (Silver Plus) be bought on its own?
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