Corporate Vital Extras
An extras policy from Australian Unity.
- Corporate policy, sold through employers and associations.
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, NT, no excess, before the rebate.
- Medicare levy surcharge
- Does not exempt you
- Ambulance
- Emergency only, call-out fees included, no limit
- Who can join
- Through an employer or group
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
Against every other extras policy in NSW & ACT
Single cover, corporate and restricted policies included. Further right covers more services, higher up costs more.
It covers 22 services for $109.05 a month. Of the 396 other policies, 256 cost less and 150 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 | $109.05 | $218.10 | $272.65 | $185.40 | $294.45 | $229.00 |
| VIC | $109.05 | $218.10 | $272.65 | $185.40 | $294.45 | $229.00 |
| QLD | $106.90 | $213.80 | $267.25 | $181.75 | $288.65 | $224.50 |
| SA | $111.25 | $222.50 | $278.15 | $189.15 | $300.40 | $233.65 |
| WA | $102.50 | $205.00 | $256.25 | $174.25 | $276.75 | $215.25 |
| TAS | $91.60 | $183.20 | $229.00 | $155.70 | $247.30 | $192.35 |
| NT | $89.45 | $178.90 | $223.65 | $152.05 | $241.50 | $187.85 |
Pays towards 22 of 27 standard services
Yearly limits, per person, against the typical policy
- General dental$700typical policy $800
- Major dentalshared with endodontic (root canals)$700typical policy $1,000
- Optical$270typical policy $220
- Physiotherapyshared with chiropractic, exercise physiology, osteopathy$600typical policy $450
- Chiropracticshared with physiotherapy, exercise physiology, osteopathy$600typical policy $400
- Psychologyshared with 7 other services$500typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)70% of the feetypical policy $35.20
- Scale and clean (item 114)70% of the feetypical policy $66.85
- Full crown, veneered (item 615)70% of the feetypical policy $773.80
- Single vision lenses and frames100% of the feetypical policy $220.00
- Physiotherapy, first visit70% of the feetypical policy $42.00
- Psychology, first visit70% of the feetypical policy $75.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dentalconditions apply | 2 months | $700 | Periodic oral exam (item 012): 70%Scale and clean (item 114): 70%Fluoride treatment (item 121): 70% |
| Major dentalconditions apply | 12 months | $700shared with endodontic (root canals) | Surgical extraction (item 322): 70%Full crown, veneered (item 615): 70% |
| Endodontic (root canals)conditions apply | 12 months | $700shared with major dental | Root canal filling (item 417): 70% |
| Orthodontics | 12 months | $700, $2,400 lifetime | Braces, upper and lower, with retainer (item 881): 100% |
| Optical | 6 months | $270 | Multifocal lenses and frames: 100%Single vision lenses and frames: 100% |
| Non-PBS medicines | 2 months | $500shared with 7 other services | Non-PBS prescription: 70% |
| Physiotherapy | 2 months | $600shared with chiropractic, exercise physiology, osteopathy | Physiotherapy, first visit: 70%Physiotherapy, later visit: 70% |
| Chiropracticconditions apply | 2 months | $600shared with physiotherapy, exercise physiology, osteopathy | Chiropractic, first visit: 70%Chiropractic, later visit: 70% |
| Podiatry | 2 months | $250shared with acupuncture, remedial massage, orthotics | Podiatry, first visit: 70%Podiatry, later visit: 70% |
| Psychology | 2 months | $500shared with 7 other services | Psychology, first visit: 70%Psychology, later visit: 70% |
| Acupuncture | 2 months | $250shared with podiatry, remedial massage, orthotics | Acupuncture, first visit: 70%Acupuncture, later visit: 70% |
| Remedial massage | 2 months | $250shared with podiatry, acupuncture, orthotics | Remedial massage, first visit: 70%Remedial massage, later visit: 70% |
| Audiology | 2 months | $500shared with 7 other services | Audiology, first visit: 70%Audiology, later visit: 70% |
| Dietetics | 2 months | $500shared with 7 other services | Dietetics, first visit: 70%Dietetics, later visit: 70% |
| Exercise physiology | 2 months | $600shared with physiotherapy, chiropractic, osteopathy | Exercise physiology, first visit: 70%Exercise physiology, later visit: 70% |
| Orthoptics | 2 months | $500shared with 7 other services | Orthoptics, first visit: 70%Orthoptics, later visit: 70% |
| Health management programs | 6 months | $200 | Health management program: 70% |
| Occupational therapy | 2 months | $500shared with 7 other services | Occupational therapy, first visit: $70.00Occupational therapy, later visit: $70.00 |
| Orthoticsconditions apply | 12 months | $250shared with podiatry, acupuncture, remedial massage | Orthotics: 70% |
| Osteopathy | 2 months | $600shared with physiotherapy, chiropractic, exercise physiology | Osteopathy, first visit: 70%Osteopathy, later visit: 70% |
| Speech therapy | 2 months | $500shared with 7 other services | Speech therapy, first visit: 70%Speech therapy, later visit: 70% |
| Vaccinationsconditions apply | None | $500shared with 7 other services | Vaccination: 70% |
Not covered: hearing aids, blood glucose monitors, antenatal and postnatal, chinese herbal medicine, home nursing.
Other services: Annual benefit limits apply per calendar year. Myotherapy - 70% of the consultation fee, maximum $250 per person (combined limit - see Podiatry), 2 month waiting period. Braces, Splints and Garments - up to 70% of the cost, maximum $250 per person (combined limit - see Podiatry), 12 month 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.
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) 70% for chiropractic x-ray, limit one per person per calendar year. 5) Orthotic benefits are for supply only. 6) 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.
Compare
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.