Australian Unity Health Insurance

Australian Unity Health Insurance

Is Australian Unity the health fund for you?

Australian Unity is a national health care, financial services and retirement living organisation that provides its services to more than half a million Australians. Australian Unity have been in the industry for over 175 years and offer a variety of health insurance services.

Compare the full policy range offered by Australian Unity

Australia Unity Health Insurance options

Combined hospital and extras

Australian Unity offers four different combined hospital and extras packages including: Basic Starter, Smart Start, Smart Essentials and Smart Combination.

Basic Starter
  • Basic Starter includes hospital cover for accidents (no excess payable) and some specified procedures, emergency ambulance transportation (one per year), cover for hospital doctor’s bills up to the amount listed in the Medicare Benefit Schedule (please note doctors can charge an amount that exceeds the MBS which will not be covered) and joint reconstructions and investigations up to specified limits. Also includes up to $1,000 per year for a combination of extras including general and preventative dental, physio, chiro, natural therapies, remedial massage, dietetics and podiatry.
Smart Start
  • Smart Start includes hospital cover for accidents and day surgeries (no excess payable), emergency ambulance transportation, day surgery and procedures and eye procedures (cataracts and lens procedures). Also includes up to $1,300 per year for a range of extras including general dental, optical, physio, chiro, natural therapies and travel vaccinations.
Smart Essentials
  • Smart Essentials includes cover for accommodation and theatre fees, day surgery and procedures (no excess payable), emergency ambulance transportation, joint reconstructions and investigations, surgical prostheses, rehabilitation, sterilisations, heart-related services and hospital care and rehabilitation at home. Also includes up to $2,150 per year for extras including general and major dental, optical, physio, chiro, osteo, myotherapy, natural therapies and remedial massage.
Smart Combination
  • Smart Combination includes hospital cover for a range of common procedures, heart-related services and some specialised services including hip and knee replacements, cataract and lens procedures and renal dialysis. It also provides cover of up to $2,725 per year for a combination of extras including general and major dental, optical, physio, chiro, osteo, myotherapy, natural therapies and remedial massage.

Hospital only cover

Australian Unity also offers hospital and extras cover as standalone products. Australian Unity Hospital Covers include Basic Hospital, Basic+ Hospital, Mid Hospital, Mid Hospital with Pregnancy, Gold Hospital and Platinum Hospital

Basic Hospital
  • Basic Hospital affordable hospital cover with no excess for accidents plus emergency ambulance transportation, appendix, tonsil, adenoid and wisdom teeth removal, joint reconstructions and investigations, surgical prostheses and hospital care and rehabilitation at home.
Basic+ Hospital
  • Basic+ Hospital includes accommodation and theatre fees, day surgery and procedures, emergency ambulance transportation (including two ambulance attendances per year where you are not taken to hospital), joint reconstructions and investigations, surgical prostheses, sterilisations and hospital care and rehabilitation at home.
Mid Hospital
  • Mid Hospital includes all the benefits offered under Basic+ Hospital cover plus the inclusion of cover for heart-related services.
Mid Hospital with Pregnancy
  • Mid Hospital with Pregnancy includes all the benefits offered under Mid Hospital cover plus cover for pregnancy.
Gold Hospital
  • Gold hospital offers a high level of cover for accidents, a range of everyday procedures, heart-related services and some specialised services.
Platinum Hospital
  • Platinum Hospital a high level of hospital cover including all the benefits of Mid Hospital cover plus hip and knee replacements and revisions, cataract and lens procedures and renal dialysis.

Extras only cover

Australian Unity’s standalone extras covers include Basic Extras, Bronze Extras, Silver Extras, Gold Extras and Platinum 80%.

  • Basic Extras. Basic Extras covers up to $950 per year on extras including general and preventative dental, optical, physio, chiro, osteo, natural therapies, remedial massage, pharmacy and travel vaccinations.
  • Bronze Extras. Bronze Extras provides up to $1,200 per year for the most common extras including general and preventative dental, physio, chiro, osteo, natural therapies and remedial massage, and crowns, bridges and dentures.
  • Silver Extras. Silver Extras offers cover for a broad range of services and allows you to claim up to $3,400 per person.
  • Gold Extras. This high level extras option covers you for a broad range of extras and will allow you to claim back up to $6,730 per person.
  • Platinum 80%. This policy entitles you 80% back on all included extras and offers the highest limits of all the extras policies with cover for up to $8,500.

Are there any additional benefits?

It is important to Australian Unity that they find the right cover for your situation and that you’re only paying for services you need. These are some of the additional benefits that come with being an Australian Unity Insurance policyholder:

  • Lifestyle packages. Australian Unity lifestyle packages have been created to motivate you to stay fit and healthy. The packages give you money back on a variety of different services that keep you healthy
  • 30-day money back guarantee. If you are unsatisfied with your cover over the first 30 days, Australian Unity offers a 30-day cooling-off period.
  • No excess for kids. With Platinum Hospital, Gold Hospital, Mid Hospital and Mid Hospital with Pregnancy there is no excess for your kids if they visit the hospital.

How many hospital agreements does Australian Unity have in my state and in total?

There are two main factors that affect the benefit you receive from your health fund for hospital services:

  • The level of cover you choose
  • Whether your health fund has an agreement with the hospital where you receive treatment

The table below lists the number of hospital agreements Australian Unity has in your state or territory compared to the maximum of any health fund across the industry:

Private hospital agreements Day hospital agreements
NSW 2180 1939
ACT 137 153
VIC 1812 1639
QLD 1224 1017
SA 602 530
WA 474 469
TAS 151 90
NT 36 24

How can I pay less for health insurance?

There are a number of ways that you can use to help you save on your Australian Unity Health Insurance:

  • Suit your cover to your needs. Australian Unity offers a variety of options for health insurance, so it is important to choose the right cover. Australian Unity have a build your own policy options, which will allow you to tailor a policy to your needs.
  • Pay your premiums up front. If you pay your premiums six months in advance, you're eligible to a 2% discount.
  • Direct debit discount. If you set up a direct debit for your premiums, you're eligible for a 4% discount.
  • Increase your excess. Increasing your excess will reduce your premiums. If you're healthy and less likely to make a claim on your insurance you will end up paying less in the long run.

Paying your Australian Unity health insurance premiums

Australian Unity premiums can be paid fortnightly, monthly, quarterly, half yearly or yearly, depending on your selected payment frequency. A 4% discount applies if you pay your premium annually.

Premiums can be paid online or over the phone, or by direct debit from your nominated bank account or credit card. A 4% discount applies when you pay by direct debit but is not available in conjunction with the discount for paying annually. Premiums can be paid in person at your nearest Australia Post Office or fill out the remittance section at the bottom of the account notice, and send it to Australian Unity

Can I get cover if I'm not an Australian citizen?

Australian Unity have two options for those on working visas: Budget Workers Cover and Workers Cover Plus. These policies cover benefits including:

  • In-hospital doctor and specialist consultations
  • Overnight accommodation, day surgery and theatre fees in public hospitals
  • Medically necessary ambulance services

Australian Unity also offer three levels of overseas visitors health cover on non-working visas: Basic, Mid and Top Overseas Visitors Cover. Benefits include:

  • Accommodation and theatre fees
  • Assistance with medical fees
  • Day surgery
  • Emergency room fees
  • Emergency ambulance
  • Prosthesis

How do I go about making a claim?

The claims process for Australian Unity varies depending on the type of service you need to claim.

If you need to make an extras claim you can do so in the following ways:

  • On the spot. You can swipe your Australian Unity membership card on the spot by using your health care provider’s HICAPS or CSC machine.
  • Via the Australian Unity app. Australian Unity’s mobile claiming app allows you to upload photos of your receipts to claim up to $300 at a time. The app is available from the App Store and Google Play.
  • Online. You can log into your Australian Unity online account to submit your claim.
  • Over the phone. You can call Australian Unity on 1800 807 144 to get your claim processed over the phone.
  • By mail, email or fax. The final option is to download a health cover claim form from the Australian Unity website, complete the form, attach your receipts and send everything off to the postal address, email address or fax number listed on the form.

The benefit payment will then be credited to your nominated bank account within two to three business days.

If you need to make a claim for emergency ambulance, all you have to do is:

  1. Download and complete a health cover claim form from the Australian Unity website
  2. Attach your ambulance receipt to the form
  3. Mail or fax the form and your receipt to Australian Unity (the address and fax number are listed on the form)

Finally, if you need to claim for medical costs incurred with your surgeon or doctor, the claims process varies depending on whether or not your doctor participates in Australian Unity's Gap Cover scheme:

  • Participating doctors send your bill to Medicare and Australian Unity for payment
  • Doctors who do not participate will send you a bill. You will then need to:

Visit Medicare and get them to issue a cheque for your doctor and a medical statement for your health fund
Download and complete an Australian Unity health cover claim form
Attach your medical statement from Medicare
Mail the form and medical statement to Australian Unity
Australian Unity will send a cheque for you to pass on to your doctor

Use the Australian Unity Claims app

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Australian Unity

Find out more about Australian Unity Health Insurance

Want to know more about Australian Unity? Here is some more info about Australian Unity to help you make your decision:

How many members does Australian Unity service?

Australian Unity has more than 340,000 health insurance members around Australia. This gives it a total market share of 3.1%.

What do Australian Unity members think about their cover?

Australian Unity accounts for:

  • 3.0% of the Australian health insurance market
  • 5.2% of all complaints about benefit payments
  • 3.6% of all complaints about service
  • 5.9% of all complaints that require investigation

Source: Private Health Insurance Ombudsman, State of the Health Fund Report 2016

Still have some questions? FAQs about Australian Unity

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8 Responses

  1. Default Gravatar
    MuhammadMarch 10, 2017

    Hi there

    I am staying at Perth under visa category Sub-class 489 (Family sponsor), Currently I am working as civil engineer in perth too. I am looking for couple health insurance to cover everything, Can you help me on this.


    • finder Customer Care
      ZubairMarch 13, 2017Staff

      Hi Muhammad,

      Thank you for your question.

      You have contacted, a comparison and information service and not actually Australian Unity Health Insurance.

      Australian Unity does provide cover for 489 visas, in order to apply for a cover, please head to our health insurance for 489 visa holders page.

      All the best,

  2. Default Gravatar
    AnnetteNovember 15, 2016

    Is LHC paid monthly or just on joining

    • finder Customer Care
      RichardNovember 15, 2016Staff

      Hi Annette,

      Thanks for getting in touch. The LHC is a 2% loading applied to your premiums if you’ve not taken out cover by 1 July following your 31st birthday and this loading remains in affect until you’ve held hospital cover for 10 consecutive years. This 2% loading on your insurance premium increases for every year you are aged over 30 (e.g. at age 40 you will pay 20% more, at age 50 you’ll pay 40% more and so on). For more information, please consult our guide to the LHC.

      I hope this was helpful,

  3. Default Gravatar
    barryOctober 18, 2016

    does my extras cover podiatry

    • finder Customer Care
      RichardOctober 19, 2016Staff

      Hi Barry,

      Thanks for getting in touch. It will depend on your extras policy. Both Gold and Silver Extras from Australian Unity provide a $300 (excludes orthotics) and $350 benefit for podiatry respectively.

      All the best,

  4. Default Gravatar
    July 26, 2016

    can you please confirm that you will be continuing my 410 visa policy and that of my partner.
    Thank you

    • finder Customer Care
      RichardJuly 26, 2016Staff

      Hi Derick,

      Thanks for your question. is a comparison service and not an insurer. If you would like to speak with Australian Unity, you can do so by calling 13 29 39.

      All the best,

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