Care 'n Repair (Basic Plus)
A Basic Plus hospital and 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, WA, $750 excess, before the rebate.
- Medicare levy surcharge
- Exempts you
- Excess options
- $500, $750
- 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 Basic hospital and extras policy in NSW & ACT
Single cover, each policy at its cheapest excess, counting policies anyone can buy.
- Basic95 policies$127.40Cheapest of 95
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.
What a higher excess saves
Single cover in NSW & ACT, a month. The excess is what you pay towards a hospital stay before the policy pays.
- $500 excess$141.70
- $750 excess$14.30 less than $500 excess$127.40
$500 excessat most $1,000 a year for couples and families
0 of 38 clinical categories covered in full, 32 restricted
Restricted means the policy pays only the minimum, about what a public hospital charges, so a private hospital stay can leave a large bill. Not covered means the policy pays nothing for that treatment in hospital.
- Restricted32
- Not covered6
Restricted 32
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Hospital psychiatric services
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Palliative care
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Rehabilitation
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
Not covered 6
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Joint replacements
- Pregnancy and birth
- Weight loss surgery
Waiting periods
- Pre-existing conditions
- 12 months
- Psychiatric, rehabilitation and palliative care
- 2 months
- All other hospital treatment
- 2 months
Excess and other costs
Excess options: $500, $750, paid when you are admitted. No excess for accidents.
From the insurer: Covered in agreement private hospitals for treatments resulting from an Accident that occurs after joining this cover, with no excess. For all other hospital treatments (unless excluded) cover is Restricted in an agreement private hospital or you're covered in a shared room of a public hospital. Additional Benefits of the cover include: Hospital Substitution Programs, Health Support Programs and Preventative Health Services. Waiting periods may apply. Please refer to the product Fact Sheet or contact Australian Unity for further details.
Pays towards 8 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalshared with endodontic (root canals)$500typical policy $800
- Physiotherapyshared with exercise physiology$300typical policy $450
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)$24.00typical policy $35.20
- Scale and clean (item 114)$34.00typical policy $66.85
- Physiotherapy, first visit$25.00typical policy $42.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dentalconditions apply | 2 months | $500shared with endodontic (root canals) | Periodic oral exam (item 012): $24.00Scale and clean (item 114): $34.00Fluoride treatment (item 121): $17.00Simple extraction (item 322): $80.00 |
| Endodontic (root canals) | 12 months | $500shared with general dental | Root canal filling (item 417): $75.00 |
| Physiotherapy | 2 months | $300shared with exercise physiology | Physiotherapy, first visit: $25.00Physiotherapy, later visit: $25.00 |
| Acupuncture | 2 months | $170shared with remedial massage, dietetics, occupational therapy | Acupuncture, first visit: $17.00Acupuncture, later visit: $17.00 |
| Remedial massageconditions apply | 2 months | $170shared with acupuncture, dietetics, occupational therapy | Remedial massage, first visit: $17.00Remedial massage, later visit: $17.00 |
| Dietetics | 2 months | $170shared with acupuncture, remedial massage, occupational therapy | Dietetics, first visit: $17.00Dietetics, later visit: $17.00 |
| Exercise physiology | 2 months | $300shared with physiotherapy | Exercise physiology, first visit: $25.00Exercise physiology, later visit: $25.00 |
| Occupational therapy | 2 months | $170shared with acupuncture, remedial massage, dietetics | Occupational therapy, first visit: $17.00Occupational therapy, later visit: $17.00 |
Not covered: major dental, orthodontics, optical, non-pbs medicines, chiropractic, podiatry, psychology, hearing aids, blood glucose monitors, audiology, antenatal and postnatal, chinese herbal medicine, orthoptics, health management programs, home nursing, orthotics, osteopathy, speech therapy, vaccinations.
Other services: Annual benefit limits apply per calendar year. Hire or purchase of braces, splints, wheelchairs, crutches or compression garments - up to 100% of the cost per item, combined max $150 per person - 2 month waiting period.
1) No waiting period for preventative dental and selected diagnostic services. A 12-month waiting period applies for surgical tooth extractions and treatments of gum disease. 2) Remedial Massage sub-limit is $85 per person.
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.