With 5 hospital policies to choose from, Australian Unity has a range of products and services on offer to suit both individuals and families.
Australian Unity have been around for over 175 years. Providing services to more than half a million Australians, they offer a range of hospital cover only options that might be just right for you.
Top 3 features
- Good for offering a range of policies from basic to gold.
- Good for hassle-free claims
- Good for letting you stay with your favourite providers.
Speak to a health insurance advisor
What you'll get:
- 100% free expert advice
- Pay the same as going direct
- Instant advice if you call 1300 594 882
What hospital cover is available?
- Simple Hospital: For those who want the absolute bare minimum, Simple Hospital includes hospital cover for accidents and emergency ambulance transportation.
- Standard Hospital (Bronze Plus): Covering the 18 clinical categories required for a 'bronze' rating, you can save some money with this policy on things you might not need like pregnancy and heart-related services.
- Intermediate Hospital (Silver Plus): A step up from the Standard Policy, this product also includes rehabilitation and heart and vascular system, covering the 26 clinical categories required for a Silver rating and more.
- Advanced Hospital (Silver Plus): For those who are considering starting a family but still want to save some money, this may be the policy for you. Pregnancy and birth services are includes
- Ultimate Hospital (Gold): This comprehensive policy includes all 38 clinical categories required for a Gold rating and is ideal for the elderly, those with ongoing health issues and families who want the best possible cover.
Some of the services include:
|Hospital Cover for accidents||Simple, Standard (Bronze Plus), Intermediate (Silver Plus), Advanced (Silver Plus), Ultimate (Gold)|
|Emergency ambulance transportation||Simple, Standard (Bronze Plus), Intermediate (Silver Plus), Advanced (Silver Plus), Ultimate (Gold)|
|Rehabilitation||Intermediate (Silver Plus), Advanced (Silver Plus), Ultimate (Gold)|
|Joint Reconstructions||Standard (Bronze Plus), Intermediate (Silver Plus), Advanced (Silver Plus), Ultimate (Gold)|
|Heart and Vascular System||Intermediate (Silver Plus), Advanced (Silver Plus), Ultimate (Gold)|
|Eye (Not Cataracts)||Standard (Bronze Plus), Intermediate (Silver Plus), Advanced (Silver Plus), Ultimate (Gold)|
|Joint Replacements||Advanced (Silver Plus), Ultimate (Gold)|
|Pregnancy and Birth||Advanced (Silver Plus), Ultimate (Gold)|
|Hospital Psychiatric Services||Ultimate (Gold)|
Other benefits of Hospital Cover
Depending on the level of cover you have, you can avoid public hospitals and their waiting lists when you need elective surgery. You can do this by choosing to be treated at any of the 500 private hospitals Australian Unity have an agreement with.
Australian Unity does its best to keep you with your favourite providers so you can see the doctors and specialists you want.
How do the costs work?
Hospital cover includes services like hospital accommodation, theatre fees, intensive care, Medicare recognised treatments, surgeries and the cost of medical professionals treating you.
A hospital excess is the sum of money you agree to pay upfront, that is, before you can claim any benefit on hospital treatment back. You only need to pay the excess when you go the hospital and receive care and treatment.
Out of pocket costs
Most policies do not cover you for everything, meaning you'll likely always have some out of pocket expenses. Out of pocket costs is the money that isn't reimbursed by your insurer. It can include deductibles, coinsurance, co-payments for covered services and costs for services that your policy doesn't cover.
Waiting periods and limitations
A waiting period is the amount of time you have to wait before you can claim on your health insurance. You can't claim for any services or treatment you receive during a waiting period. Waiting periods apply when you begin a new private health insurance membership or if you choose to upgrade to a higher level of cover.
With Australian Unity, if you switch to a similar or lower level plan within 30 days of leaving your previous health fund, you won't have to re-serve waiting periods that you have already completed.
Waiting periods may apply to benefits not previously included under your original cover if you upgrade your level of cover. However, you'll still be able to get the benefits payable under your previous level of cover while you are serving the waiting period.
How to make a claim
The hospital procedures - including day surgeries - that you can make a claim on will vary depending on your level of cover. The hospital procedures - including day surgeries - that you can make a claim on will vary depending on your level of cover. Depending on the service, you can call, claim on the spot, use the app or go online. The mobile claiming app allows you to claim up to $300 at a time. All you need to do is upload photos of your receipts and they will take care of the rest.
- Accommodation and theatre fees. Generally, the hospital will bill Australian Unity and you simply need to pay the excess or co-payment that applies to your cover. That's because Australian Unity has an agreement with the majority of private hospitals and day facilities covering you for 100% of the accommodation and most other services like theatre fees.
- Participating doctors. With participating doctors, your bill will be sent straight to Medicare and Australian Unity for payment. The only reason you would receive a bill is if there is any money you still owe after Medicare and Australian Unity have paid your doctor. This will depend on your policy.