Freedom Extras (FRE)
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 21 services for $84.25 a month. Of the 214 other policies, 132 cost less and 63 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 | $84.25 | $164.65 | $185.35 | $143.20 | $210.65 | $176.95 |
| VIC | $85.10 | $166.85 | $187.20 | $144.65 | $212.75 | $178.70 |
| QLD | $89.80 | $177.85 | $197.55 | $152.65 | $224.50 | $188.60 |
| SA | $92.70 | $180.75 | $203.95 | $157.60 | $231.75 | $194.65 |
| WA | $87.95 | $171.50 | $193.50 | $149.50 | $219.90 | $184.70 |
| TAS | $79.75 | $156.75 | $175.45 | $135.55 | $199.40 | $167.45 |
| NT | $74.35 | $146.15 | $163.55 | $126.40 | $185.90 | $156.15 |
Pays towards 21 of 27 standard services
Yearly limits, per person, against the typical policy
- General dental$800typical policy $800
- Major dentalshared with endodontic (root canals)$800typical policy $1,000
- Optical$250typical policy $220
- Physiotherapyshared with exercise physiology$500typical policy $450
- Chiropracticshared with osteopathy$350typical policy $400
- Psychology$400typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)$41.00typical policy $35.20
- Scale and clean (item 114)$83.00typical policy $66.85
- Full crown, veneered (item 615)$643.00typical policy $773.80
- Single vision lenses and frames100% of the feetypical policy $220.00
- Physiotherapy, first visit$60.00typical policy $42.00
- Psychology, first visit$80.00typical policy $75.00
| Service | Waiting period | Yearly limit, per person | Per policy | Example benefits (all states) |
|---|---|---|---|---|
| General dentalconditions apply | 2 months | $800 | $1,600 | Periodic oral exam (item 012): $41.00Scale and clean (item 114): $83.00Fluoride treatment (item 121): $25.00 |
| Major dentalconditions apply | 12 months | $800shared with endodontic (root canals) | $1,600 | Surgical extraction (item 322): $213.00Full crown, veneered (item 615): $643.00 |
| Endodontic (root canals)conditions apply | 12 months | $800shared with major dental | $1,600 | Root canal filling (item 417): $199.00 |
| Orthodontics | 12 months | $700, $2,400 lifetime | - | Braces, upper and lower, with retainer (item 881): 100% |
| Optical | 6 months | $250 | $500 | Multifocal lenses and frames: 100%Single vision lenses and frames: 100% |
| Non-PBS medicines | 2 months | $400 | - | Non-PBS prescription: $50.00 |
| Physiotherapy | 2 months | $500shared with exercise physiology | - | Physiotherapy, first visit: $60.00Physiotherapy, later visit: $60.00 |
| Chiropracticconditions apply | 2 months | $350shared with osteopathy | - | Chiropractic, first visit: $40.00Chiropractic, later visit: $40.00 |
| Podiatry | 2 months | $300shared with orthotics | - | Podiatry, first visit: $40.00Podiatry, later visit: $40.00 |
| Psychology | 2 months | $400 | - | Psychology, first visit: $80.00Psychology, later visit: $80.00 |
| Acupuncture | 2 months | $300shared with remedial massage | - | Acupuncture, first visit: $40.00Acupuncture, later visit: $40.00 |
| Remedial massage | 2 months | $300shared with acupuncture | - | Remedial massage, first visit: $40.00Remedial massage, later visit: $40.00 |
| Audiology | 2 months | $300shared with orthoptics, occupational therapy, speech therapy | - | Audiology, first visit: $70.00Audiology, later visit: $70.00 |
| Dietetics | 2 months | $400 | - | Dietetics, first visit: $40.00Dietetics, later visit: $40.00 |
| Exercise physiology | 2 months | $500shared with physiotherapy | - | Exercise physiology, first visit: $60.00Exercise physiology, later visit: $60.00 |
| Orthoptics | 2 months | $300shared with audiology, occupational therapy, speech therapy | - | Orthoptics, first visit: $70.00Orthoptics, later visit: $70.00 |
| Occupational therapy | 2 months | $300shared with audiology, orthoptics, speech therapy | - | Occupational therapy, first visit: $70.00Occupational therapy, later visit: $70.00 |
| Orthoticsconditions apply | 12 months | $300shared with podiatry | - | Orthotics: 70% |
| Osteopathy | 2 months | $350shared with chiropractic | - | Osteopathy, first visit: $40.00Osteopathy, later visit: $40.00 |
| Speech therapy | 2 months | $300shared with audiology, orthoptics, occupational therapy | - | Speech therapy, first visit: $70.00Speech therapy, later visit: $70.00 |
| Vaccinationsconditions apply | None | $200 | - | Vaccination: 70% |
Not covered: hearing aids, blood glucose monitors, antenatal and postnatal, chinese herbal medicine, health management programs, home nursing.
Other services: Annual benefit limits apply per calendar year. Myotherapy - $40 per consultation, maximum $300 per person (combined limit - see Acupuncture), 2 month waiting period. Braces, Splints and Garments - up to 70% of the cost, maximum $300 per person (combined limit - see Podiatry), 12 month waiting period. There are Preventative Health Services available on this cover, waiting periods may apply. Sickness Travel & Accommodation, 70% of the cost, $100 for travel and $100 for accommodation per membership, 2 month waiting period, and School Accident Top-Up benefit $150 per Dependant Child. 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) $40 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.
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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.