Australian unity

Australian Unity Hospital and Extras Health Insurance

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
  1. Good for lots of choice in Hospital and Extras packages.
  2. Good for fast and easy claiming with their mobile app.
  3. Good for avoiding waiting periods if you're making the switch from another insurer.

Speak to a health insurance advisor

Need help now? Enter your details for a call back about your health insurance options. An expert can help you compare up-to-date policies from eight funds to see which one is best for you.

What you'll get:

  • 100% free expert advice
  • Pay the same as going direct
  • Instant advice if you call 1300 594 882

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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 SaverSimple Hospital and Basic ExtrasSmart Start
  • $1100 back on extras per person, per year
  • Choice of $500 or $750 excess for hospital visits
  • 60% back on preventative and general dental, physio, chiro and remedial massage
  • Extras sub-limits that give you more control over what you can claim
  • Low-level hospital cover in one of Australian Unity's 500 agreement private hospitals
  • No excess to pay if you get treatment due to an accident that occurs after joining this level of cover
  • Cover for selected procedures including ligament reconstructions & investigations and appendix removal
  • $950 back on extras per person, per year
  • Choice of $500 or $750 excess for hospital visits
  • Cover for preventative and general dental, physio, optical and remedial massage, plus money back on health services including acupuncture
  • Low-level hospital cover in one of Australian Unity's 500 agreement private hospitals
  • No excess to pay if you get treatment due to an accident that occurs after joining this level of cover
  • Cover for selected procedures including ligament reconstructions & investigations and wisdom teeth removal
  • $1300 back on extras per person, per year
  • $100 hospital excess
  • Cover for optical, physio, chiro and acupuncture
  • Up to 100% back on selected services through Australian Unity's No-Gap Dental Network, with dental limits that increase over the first five years
  • Low-level hospital cover in one of Australian Unity's 500 agreement private hospitals
  • No excess to pay for treatment due to accidents that occur after joining this level of cover
  • Plus no excess to pay for day surgeries, including eye procedures

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 ExtrasIntermediate Hospital (Silver Plus) and Standard ExtrasIntermediate Hospital (Silver Plus) and Intermediate Extras
  • $1200 back on extras per person, per year
  • 60% back on preventative and general dental, physio, chiro and remedial massage
  • Up to 100% back on optical
  • Cover for eyes (not cataracts)
  • Low-level hospital cover—get treated in over 500 agreement private hospitals
  • Cover for ligament reconstructions & investigations
  • Save money by excluding things you may not need such as pregnancy and heart-related services
  • $1200 back on extras per person, per year
  • 60% back on preventative and general dental, physio, chiro and remedial massage
  • Up to 100% back on optical
  • Mid-level hospital cover—get treated in over 500 agreement private hospitals
  • Cover for common treatments including heart-related services and in-hospital rehabilitation
  • Save money with cover that excludes things you're unlikely to use such as pregnancy and hip & knee replacements
  • $3400 back on extras per person, per year
  • 60% back on a wide range of extras including dental, physio, chiro, remedial massage, acupuncture and more
  • Up to 100% back on optical, and on selected dental services through Australian Unity's No-Gap Dental Network
  • Mid-level hospital cover—get treated in over 500 agreement private hospitals
  • Cover for common treatments including heart-related services and in-hospital rehabilitation
  • Save money with cover that excludes things you're unlikely to use such as pregnancy and hip & knee replacements

For those who value the peace of mind of knowing you're covered for an extensive range of hospital and extras treatments.

Top ChoiceClassic Hospital and Classic ExtrasUltimate Hospital (Gold) and Advanced 80%
  • $3450 back on extras per person, per year
  • Hospital excess choice of $500 or $750
  • Cover for a broad range of extras including optical, physio, chiro, remedial massage and acupuncture
  • Up to 100% back on selected services through Australian Unity's No-Gap Dental Network
  • High-level hospital cover, with over 500 agreement private hospitals
  • Cover for wide range of procedures such as hip & knee replacements, heart-related services and eye procedures
  • Save money with cover that excludes things you're unlikely to use, like pregnancy and fertility treatments
  • $6730 back on extras per person, per year
  • Excess choice of $250, $500 or $750 for hospital visits.
  • Cover for an extensive range of extras including dental & orthodontics, physio, chiro, remedial massage and more
  • Up to 100% back on optical, and on selected dental services through Australian Unity's No-Gap Dental Network
  • High-level hospital cover with over 500 agreement private hospitals
  • Cover for a range of procedures including hip & knee replacements, heart-related services and eye procedures
  • Save money with cover that excludes things you may not need such as pregnancy and fertility treatments
  • $8500 back on extras per person, per year
  • Hospital excess choice of $500 or $750
  • No yearly limit on preventative dental
  • 80% back on an extensive range of extras, with our highest yearly limits
  • Up to 100% back on selected dental services through our No-Gap Dental Network
  • Highest level of hospital cover in over 500 agreement private hospitals
  • Cover for a wide range of procedures including hip & knee replacements, heart- related services and eye procedures
  • Plus cover for pregnancy & birth- related services and fertility treatments

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:

  1. Take your paperwork to Medicare and get a Medicare cheque for the doctor and a medical statement for Australian Unity.
  2. Complete a health cover claim form and attach the medical statement.
  3. 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.
  4. Send the Medicare and Australian Unity cheques, together with any amount still owing, to the doctor.
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