Simple Saver (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, NT, $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$155.3517th cheapest 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$167.90
- $750 excess$12.55 less than $500 excess$155.35
$500 excessat most $1,000 a year for couples and families
4 of 38 clinical categories covered in full, 3 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.
- Covered in full4
- Restricted3
- Not covered31
Covered 4
- Dental surgery
- Hernia and appendix
- Joint reconstructions
- Tonsils, adenoids and grommets
Restricted 3
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Not covered 31
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- 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: Simple Saver (Basic Plus) only provides private hospital cover for treatments resulting from an Accident that occurs after joining this cover, and the following clinical categories: Joint Reconstructions, Tonsils, Adenoids and Grommets, Dental Surgery, Hernia and Appendix. 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 9 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalshared with 8 other services$1,100typical policy $800
- Physiotherapyshared with 8 other services$1,100typical policy $450
- Chiropracticshared with 8 other services$1,100typical 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
- Physiotherapy, first visit60% of the feetypical policy $42.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dentalconditions apply | 2 months | $1,100shared with 8 other services | Periodic oral exam (item 012): 60%Scale and clean (item 114): 60%Fluoride treatment (item 121): 60%Simple extraction (item 322): 60% |
| Endodontic (root canals)conditions apply | 12 months | $1,100shared with 8 other services | Root canal filling (item 417): 60% |
| Physiotherapyconditions apply | 2 months | $1,100shared with 8 other services | Physiotherapy, first visit: 60%Physiotherapy, later visit: 60% |
| Chiropracticconditions apply | 2 months | $1,100shared with 8 other services | Chiropractic, first visit: 60%Chiropractic, later visit: 60% |
| Podiatryconditions apply | 2 months | $1,100shared with 8 other services | Podiatry, first visit: 60%Podiatry, later visit: 60% |
| Acupunctureconditions apply | 2 months | $1,100shared with 8 other services | Acupuncture, first visit: 60%Acupuncture, later visit: 60% |
| Remedial massageconditions apply | 2 months | $1,100shared with 8 other services | Remedial massage, first visit: 60%Remedial massage, later visit: 60% |
| Dieteticsconditions apply | 2 months | $1,100shared with 8 other services | Dietetics, first visit: 60%Dietetics, later visit: 60% |
| Osteopathyconditions apply | 2 months | $1,100shared with 8 other services | Osteopathy, first visit: 60%Osteopathy, later visit: 60% |
Not covered: major dental, orthodontics, optical, non-pbs medicines, psychology, hearing aids, blood glucose monitors, audiology, antenatal and postnatal, chinese herbal medicine, exercise physiology, orthoptics, health management programs, home nursing, occupational therapy, orthotics, speech therapy, vaccinations.
Other services: Annual benefit limits apply per calendar year. Myotherapy - 60% per treatment, maximum of $300 per person, (Combined limit- see Acupuncture and Remedial Massage limit) 2 month waiting period.
From the insurer: Please refer to the product Fact Sheet or contact Australian Unity for more information.
1) No waiting period for preventative dental and selected diagnostic services. 2) A 12-month waiting period applies for surgical tooth extractions and treatments of gum disease. 3) A $300 combined sub-limit applies Preventative, Endodontic and General Dental. 4) A $300 sub-limit applies to Physiotherapy. 5) A $300 combined sub-limit applies to Chiropractic & Osteopathy. 6) A $250 sub-limit applies to Podiatry. 7) A $300 combined sub-limit applies to Acupuncture, Remedial Massage and Myotherapy. 8) A $250 sub-limit applies to Dietetics.
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.