With nine different Hospital and Extras packages, Australian Unity provides lots of health insurance choice.
Are you after a combined Hospital and Extras health insurance package, but want the choice? Australian Unity's wide range of options lie in three tiers.
Top 3 features
- Good for lots of choice in Hospital and Extras packages.
- Good for fast and easy claiming with their mobile app.
- Good for avoiding waiting periods if you're making the switch from another insurer.
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 Australian Unity Hospital and Extras Health Insurance options are available?
Australian Unity provide three tiers of packaged cover, with three choices in each.
These three policies are designed for people who are looking to spend a minimal amount on cover and don't have any particular health concerns.
|Simple Saver||Simple Hospital and Basic Extras||Smart Start|
When you want cover for a range of essential hospital and extras treatments without paying for things you don't need. Each policy includes an excess choice of $500 or $750.
|Standard Hospital (Bronze Plus) and Standard Extras||Intermediate Hospital (Silver Plus) and Standard Extras||Intermediate Hospital (Silver Plus) and Intermediate Extras|
For those who value the peace of mind of knowing you're covered for an extensive range of hospital and extras treatments.
|Top Choice||Classic Hospital and Classic Extras||Ultimate Hospital (Gold) and Advanced 80%|
Other benefits of Australian Unity Hospital and Extras Cover
There are a range of offers and perks available for Australian Unity members including:
- Up to 100% back on preventative dental with treatments including x-rays and custom mouthguards.
- Unlike some health providers, with Australian Unity you can keep seeing your favourite providers, from your dentist to physiotherapist.
- Many of Australian Unity's health covers offer Preventative Health Services to help you stay fit and healthy, including fitness training, weight loss and quit smoking programs.
- You can get a discount of up to 4% by paying premiums with direct debit to help keep costs down.
How do the costs work?
You can reduce any out-of-pocket costs with Australian Unity Gap Cover, with certain doctors participating.
Waiting periods and limitations
Sub-limits apply to extras services, and depending on the plan there may be combined sublimits. It's important to note that many private hospital procedures are not covered with the less-comprehensive combined health plans. You will generally need to make use of the public hospital system, although you'll still get the benefits of being able to choose your own doctor and, in some cases, a private room.
The following waiting periods apply:
- 1 day for accidents resulting in hospitalisation. For accidents, you are also covered in both private and public agreement hospitals.
- 2 months for psychiatric, palliative care and rehabilitation services.
- 12 months for pre-existing conditions.
- 24 months for gastric reduction and other obesity procedures.
Extras waiting periods may vary depending on the plan, but are generally as follows:
- None for preventative dental with select plans.
- 2 months for specified general dental services and therapies.
- 6 months for optical and lifestyle benefits.
- 12 months for dental crowns where applicable with higher level plans.
How to make a claim
For extras, you have several ways to claim:
- At the time. If the provider has a HICAPA or CSC machine, just swipe your Australian Unity membership card.
- Online. You can claim later by logging in to your online account.
- Over the phone. You can call 1800 807 144 to make a claim or get assistance with paying claims.
- Sending in a claim form. You can complete a claims form, attach the receipts and then mail, email or fax it to Australian Unity at the addresses listed on the form.
For hospital cover, you can generally make a claim at agreement hospitals by having doctors contact Australian Unity directly.
At non-agreement hospitals, you can follow these steps after receiving a bill:
- Take your paperwork to Medicare and get a Medicare cheque for the doctor and a medical statement for Australian Unity.
- Complete a health cover claim form and attach the medical statement.
- Mail the form and medical statement to the reply paid address on the claim form. You will then receive an Australian Unity cheque for the doctor.
- Send the Medicare and Australian Unity cheques, together with any amount still owing, to the doctor.