Balanced Extras (BCE)
An extras policy from Australian Unity.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement Australian Unity files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.
From
Single, TAS, no excess, before the rebate.
- Medicare levy surcharge
- Does not exempt you
- Ambulance
- Emergency only, call-out fees included, no limit
- Who can join
- Anyone
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
Against every other extras policy in NSW & ACT
Single cover, counting policies anyone can buy. Further right covers more services, higher up costs more.
It covers 24 services for $83.95 a month. Of the 214 other policies, 131 cost less and 23 cover more services.
Monthly premium by state and cover type
NSW prices also apply in the ACT. Each price in the tables opens its official Private Health Information Statement on PrivateHealth.gov.au, with a PDF to download.
Single premium in each state
To the nearest dollar, a month before the rebate. The tables below have every price to the cent.
No excess
| State | Single | Couple | Family | Single parent | Extended family | Extended single parent |
|---|---|---|---|---|---|---|
| NSW & ACT | $83.95 | $167.90 | $180.50 | $142.70 | $226.65 | $167.90 |
| VIC | $87.70 | $175.40 | $188.55 | $149.10 | $236.80 | $175.40 |
| QLD | $80.55 | $161.10 | $173.20 | $136.95 | $217.50 | $161.10 |
| SA | $88.15 | $176.30 | $189.50 | $149.85 | $238.00 | $176.30 |
| WA | $84.80 | $169.60 | $182.30 | $144.15 | $228.95 | $169.60 |
| TAS | $61.25 | $122.50 | $131.70 | $104.15 | $165.40 | $122.50 |
| NT | $66.20 | $132.40 | $142.35 | $112.55 | $178.75 | $132.40 |
Pays towards 24 of 27 standard services
Yearly limits, per person, against the typical policy
- Optical$200typical policy $220
- Physiotherapyshared with chiropractic, exercise physiology, osteopathy$400typical policy $450
- Chiropracticshared with physiotherapy, exercise physiology, osteopathy$400typical policy $400
- Psychologyshared with 4 other services$300typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)50% of the feetypical policy $35.20
- Scale and clean (item 114)50% of the feetypical policy $66.85
- Full crown, veneered (item 615)50% of the feetypical policy $773.80
- Single vision lenses and frames100% of the feetypical policy $220.00
- Physiotherapy, first visit50% of the feetypical policy $42.00
- Psychology, first visit50% of the feetypical policy $75.00
| Service | Waiting period | Yearly limit, per person | Per policy | Example benefits (all states) |
|---|---|---|---|---|
| General dentalconditions apply | 2 months | Dental limits increase 1 Jan yearly with continuous extras cover with Australian Unity: $800-$1,200 per-person, $1,600-$2,400 per-familyshared with major dental, endodontic (root canals) | - | Periodic oral exam (item 012): 50%Scale and clean (item 114): 50%Fluoride treatment (item 121): 50%Simple extraction (item 322): 50% |
| Major dentalconditions apply | 12 months | Dental limits increase 1 Jan yearly with continuous extras cover with Australian Unity: $800-$1,200 per-person, $1,600-$2,400 per-familyshared with general dental, endodontic (root canals) | - | Full crown, veneered (item 615): 50% |
| Endodontic (root canals)conditions apply | 12 months | Dental limits increase 1 Jan yearly with continuous extras cover with Australian Unity: $800-$1,200 per-person, $1,600-$2,400 per-familyshared with general dental, major dental | - | Root canal filling (item 417): 50% |
| Orthodontics | 12 months | $600, $1,800 lifetime | $1,200 | Braces, upper and lower, with retainer (item 881): 100% |
| Optical | 6 months | $200 | $400 | Multifocal lenses and frames: 100%Single vision lenses and frames: 100% |
| Non-PBS medicines | 2 months | $300shared with vaccinations | $600 | Non-PBS prescription: 50% |
| Physiotherapy | 2 months | $400shared with chiropractic, exercise physiology, osteopathy | $800 | Physiotherapy, first visit: 50%Physiotherapy, later visit: 50% |
| Chiropracticconditions apply | 2 months | $400shared with physiotherapy, exercise physiology, osteopathy | $800 | Chiropractic, first visit: 50%Chiropractic, later visit: 50% |
| Podiatry | 2 months | $300shared with orthotics | $600 | Podiatry, first visit: 50%Podiatry, later visit: 50% |
| Psychology | 2 months | $300shared with 4 other services | $600 | Psychology, first visit: 50%Psychology, later visit: 50% |
| Acupuncture | 2 months | $300shared with remedial massage, dietetics | $600 | Acupuncture, first visit: 50%Acupuncture, later visit: 50% |
| Remedial massage | 2 months | $300shared with acupuncture, dietetics | $600 | Remedial massage, first visit: 50%Remedial massage, later visit: 50% |
| Hearing aidsconditions apply | 12 months | Hearing-Aids limits increase 1 Jan yearly with continuous extras cover with Australian Unity: $400-$800 per-person, $800-$1,600 per-family refer factsheet | - | Hearing aid: 50% |
| Blood glucose monitorsconditions apply | 12 months | $200 | $400 | Blood glucose monitor: 50% |
| Audiology | 2 months | $300shared with 4 other services | $600 | Audiology, first visit: 50%Audiology, later visit: 50% |
| Dietetics | 2 months | $300shared with acupuncture, remedial massage | $600 | Dietetics, first visit: 50%Dietetics, later visit: 50% |
| Exercise physiology | 2 months | $400shared with physiotherapy, chiropractic, osteopathy | $800 | Exercise physiology, first visit: 50%Exercise physiology, later visit: 50% |
| Orthoptics | 2 months | $300shared with 4 other services | $600 | Orthoptics, first visit: 50%Orthoptics, later visit: 50% |
| Health management programs | 6 months | $200 | - | Health management program: 50% |
| Occupational therapy | 2 months | $300shared with 4 other services | $600 | Occupational therapy, first visit: 50%Occupational therapy, later visit: 50% |
| Orthoticsconditions apply | 12 months | $300shared with podiatry | $600 | Orthotics: 50% |
| Osteopathy | 2 months | $400shared with physiotherapy, chiropractic, exercise physiology | $800 | Osteopathy, first visit: 50%Osteopathy, later visit: 50% |
| Speech therapy | 2 months | $300shared with 4 other services | $600 | Speech therapy, first visit: 50%Speech therapy, later visit: 50% |
| Vaccinationsconditions apply | None | $300shared with non-pbs medicines | $600 | Vaccination: 100% |
Not covered: antenatal and postnatal, chinese herbal medicine, home nursing.
Other services: Annual benefit limits apply per calendar year. Myotherapy - 50% 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. Devices and aids: Asthma pumps, Peak flow meters, Blood pressure monitors, Tens machines, CPAP/BPAP devices, Non-surgical prosthesis - up to 50% of cost, maximum $200 per person, $400 per family (combined limit - see Blood glucose monitors), 12 month waiting period. Benefit for each item is payable every 2 calendar years (does not apply to wigs). Wheelchairs and crutches - up to 50% of cost, maximum $200 per person, $400 per family (combined limit - see Blood glucose monitors), 2 months waiting period. There are Preventative Health Services available on this cover. Please refer to the product Fact Sheet or contact Australian Unity for further details.
From the insurer: Please refer to the product Fact Sheet or contact Australian Unity for further details.
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) 50% of chiropractic x-ray fee, limit one per-person per-calendar-year. 5) Benefit for each Hearing-Aid is payable every 3-calendar years (does not apply to repairs) 2-month waiting period for repairs 6) Benefits for Blood glucose monitors payable once every 2 calendar years. 7) Orthotic benefits are for supply only. 8) Travel vaccinations only
Example benefits are what the policy pays for that item at a provider without a special arrangement with the insurer; a percentage is of the fee charged. The typical policy is the middle one of the 708 extras policies on the market that aren't sold only through employers.
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Source: PrivateHealth.gov.au data (Private Health Insurance Ombudsman) via data.gov.au, licensed CC BY 3.0 AU. Normalised by The Finance Algorithm from the extract dated 1 Oct 2026, read on 23 Oct 2026.
Premiums are monthly and shown before the Australian Government rebate and any Lifetime Health Cover loading or age-based discount. Confirm the price and the cover with the insurer before you buy; the official statement for every policy is on PrivateHealth.gov.au. This is general information, not advice, and no insurer pays to be listed or ranked here.