Focus Extras (FCE)
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, 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
- 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 13 services for $59.25 a month. Of the 214 other policies, 81 cost less and 129 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 | $59.25 | $118.50 | $130.35 | $100.70 | $148.15 | $124.45 |
| VIC | $58.40 | $116.80 | $128.50 | $99.30 | $146.00 | $122.65 |
| QLD | $62.95 | $125.90 | $138.50 | $107.00 | $157.40 | $132.20 |
| SA | $63.55 | $127.10 | $139.80 | $108.05 | $158.90 | $133.45 |
| WA | $62.15 | $124.30 | $135.35 | $105.65 | $155.40 | $130.50 |
| TAS | $59.65 | $119.30 | $131.25 | $101.40 | $149.15 | $125.25 |
| NT | $56.15 | $112.30 | $123.55 | $95.45 | $140.40 | $117.90 |
Pays towards 13 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalshared with major dental, endodontic (root canals)$700typical policy $800
- Major dentalshared with general dental, endodontic (root canals)$700typical policy $1,000
- Optical$200typical policy $220
- Physiotherapyshared with exercise physiology$400typical policy $450
- Chiropracticshared with osteopathy$250typical policy $400
- Psychology$200typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)60% of the feetypical policy $35.20
- Scale and clean (item 114)60% of the feetypical policy $66.85
- Full crown, veneered (item 615)60% of the feetypical policy $773.80
- Single vision lenses and frames100% of the feetypical policy $220.00
- Physiotherapy, first visit60% of the feetypical policy $42.00
- Psychology, first visit60% of the feetypical policy $75.00
| Service | Waiting period | Yearly limit, per person | Per policy | Example benefits (all states) |
|---|---|---|---|---|
| General dentalconditions apply | 2 months | $700shared with major dental, endodontic (root canals) | $1,400 | Periodic oral exam (item 012): 60%Scale and clean (item 114): 60%Fluoride treatment (item 121): 60% |
| Major dentalconditions apply | 12 months | $700shared with general dental, endodontic (root canals) | $1,400 | Surgical extraction (item 322): 60%Full crown, veneered (item 615): 60% |
| Endodontic (root canals)conditions apply | 12 months | $700shared with general dental, major dental | $1,400 | Root canal filling (item 417): 60% |
| Optical | 6 months | $200 | $400 | Multifocal lenses and frames: 100%Single vision lenses and frames: 100% |
| Physiotherapy | 2 months | $400shared with exercise physiology | - | Physiotherapy, first visit: 60%Physiotherapy, later visit: 60% |
| Chiropracticconditions apply | 2 months | $250shared with osteopathy | - | Chiropractic, first visit: 60%Chiropractic, later visit: 60% |
| Psychology | 2 months | $200 | - | Psychology, first visit: 60%Psychology, later visit: 60% |
| Acupuncture | 2 months | $200shared with remedial massage | - | Acupuncture, first visit: 60%Acupuncture, later visit: 60% |
| Remedial massage | 2 months | $200shared with acupuncture | - | Remedial massage, first visit: 60%Remedial massage, later visit: 60% |
| Dietetics | 2 months | $200 | - | Dietetics, first visit: 60%Dietetics, later visit: 60% |
| Exercise physiology | 2 months | $400shared with physiotherapy | - | Exercise physiology, first visit: 60%Exercise physiology, later visit: 60% |
| Osteopathy | 2 months | $250shared with chiropractic | - | Osteopathy, first visit: 60%Osteopathy, later visit: 60% |
| Vaccinationsconditions apply | None | $150 | - | Vaccination: 60% |
Not covered: orthodontics, non-pbs medicines, podiatry, hearing aids, blood glucose monitors, audiology, antenatal and postnatal, chinese herbal medicine, orthoptics, health management programs, home nursing, occupational therapy, orthotics, speech therapy.
Other services: Annual benefit limits apply per calendar year. Myotherapy - 60% of the consultation, maximum $200 per person (combined limit - see Acupuncture), 2 month waiting period. There are Preventative Health Services available on this cover, waiting periods may apply. 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) 60% of the chiropractic x-ray fee, limit one per person per calendar year. 5) 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.