Finder makes money from featured partners, but editorial opinions are our own.

Australian Unity health insurance review

Australian Unity has lots of options and strong benefits, but its complaints record isn’t the strongest.

Not enough reviews Write a review
Nicola Middlemiss's headshot

By

Nicola Middlemiss

Updated

Fact checked

Start comparing

Pros

  • Get 100% back on preventative dental, with Australian Unity's No-Gap Dental Cover.
  • Australian Unity's rewards program provides discounts and special offers to members.
  • There are eight hospital policies to choose from, more than many other brands.

Cons

  • Australian Unity has a proportionally-high number of health insurance complaints.
  • There are only four extras policies to choose from - less than many other brands.
  • At around $30 a month, Australian Unity's basic extras policy is more expensive than many comparable policies from other brands.

What types of health insurance does Australian Unity offer?

Australian Unity offers a range of health insurance policies. To help find the best health insurance policy for you, it's best to compare multiple providers.

1 - 6 of 6
Updated regularly
Name Product Treatments Price Apply Hide Compare
Care 'n Repair (Basic Plus)
Basic Plus$750 excess
Australian Unity Health Limited logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
    • +5 other treatments covered
$88.55
per month
All treatments
Care 'n Repair (Basic Plus)
Basic Plus$500 excess
Australian Unity Health Limited logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
    • +5 other treatments covered
$98.16
per month
All treatments
Essential Choice (Bronze Plus)
Bronze Plus$750 excess
Australian Unity Health Limited logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
    • +20 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
    • +9 other treatments covered
$134.27
per month
All treatments
Essential Choice (Bronze Plus)
Bronze Plus$500 excess
Australian Unity Health Limited logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
    • +20 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
    • +9 other treatments covered
$147.50
per month
All treatments
Midpoint Hospital (Silver Plus) + Active Extras (ACE)
Silver Plus$750 excess
Australian Unity Health Limited logo
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
    • +27 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
    • +12 other treatments covered
$188.67
per month
All treatments
Midpoint Hospital (Silver Plus) + Active Extras (ACE)
Silver Plus$500 excess
Australian Unity Health Limited logo
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
    • +27 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
    • +12 other treatments covered
$195.04
per month
All treatments
loading

How to make a claim

For extras services, you can claim on the spot using your Australian Unity card, via the Australian Unity health app, online through Member Services, or by emailing a claim form to Australian Unity, with any relevant receipts attached.

For hospital claims, if you've received a bill, you'll need to fill in a Medicare claim form and a two-way claim form to submit your claim to Medicare first. Medicare will then process your forms and send them to Australian Unity to process.

If you've received a Medicare Statement of Benefits, you'll need to fill in an Australian Unity claim form and send it to Australian Unity along with the Statement of Benefits. If you need help with hospital claims, you can call 12 29 39 to contact Australian Unity.

Complaints info

Australian Unity had a poor complaints record last year. Data from the most recent State of the Health Funds Report shows that Australian Unity had 2.2% market share but accounted for 4.7% of complaints received by the Commonwealth Ombudsman - proportionally, far higher than average.

Congratulations, Australian Unity!

Australian Unity received the highly commended award for 'Health Insurance' in the 2023 Customer Satisfaction Awards.

Full list of 2023 winners

Why you can trust Finder's health insurance experts

freeYou pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees.
expert adviceYou save time. We spend 100s of hours researching health insurance so you can sort the gold from the junk faster.
independentYou can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.

FAQs

Nicola Middlemiss's headshot
Senior writer

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio

Nicola's expertise
Nicola has written 238 Finder guides across topics including:
  • Personal finance
  • Personal insurance, including car, health, home, life, pet and travel insurance
  • Commercial business insurance
More resources on Finder

More guides on Finder

  • Cost of childbirth in Australia: Public vs private costs

    Prenatal care in Australia is covered by Medicare, meaning it’s mostly free through the public system. You can choose to go private, which comes with a lot of benefits – but there are out-of-pocket expenses to watch out for.
  • 8501 visa condition

    The 8501 visa condition means you need to get health insurance for your stay.
  • Latrobe Health Insurance Review

    See if Latrobe health insurance is right for you.
  • RT Health Fund Review

    RT Health Fund offers a range of health cover options to transport and energy industry employees and their families.

  • Defence Health Insurance Review

    Do you qualify for Defence Health health insurance? Find out what you could receive and what options are available to ADF members as well as their families and siblings.
  • Best health insurance – seriously sick options

    Our experts compared 30+ funds and analysed hundreds of policies to help you find the best health insurance.
  • Health Insurance Queensland

    Start your search today to find a Queensland health fund that offers value for money and the cover you need.
  • HCi review

    HCi is a not-for-profit health fund that offers hospital, extras and combined cover that includes a wide range of medical services and treatments.
  • HIF health insurance review

    As a not-for-profit brand, HIF is able to offer low premiums across both hospital and extras policies.
Go to site