Australian Unity Health Insurance Review

Australian Unity health insurance review: good if you want flexible cover options and help at home, but not if you just want a basic extras policy.

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Australian Unity Health Insurance

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Australian Unity health insurance isn't a non-profit but it is member-owned, so it invests in products and services that matter to its customers. It's been around for over 180 years and is Australia's 6th biggest health insurer by market share.

Our Verdict

  1. With 24 combined hospital and extras options, Australian Unity is good if you want to mix and match and tailor a policy to your needs, but maybe not if you're overwhelmed by a lot of choices.
  2. Some policies come with a few perks other insurers aren't offering, like hospital care at home and rehabilitation at home, as well as increased cover if an injury or illness is caused by an accident.
  3. At around $24 a month, Australian Unity's basic extras policy isn't market-leading – brands such as ahm, HCF, Frank and People Care are likely to cost you less.

Review by our insurance writer Gary Hunter

Compare health insurance options with Australian Unity

Who is Australian Unity Health Insurance?

Australian Unity Health Insurance was established in 1840 in response to growing community needs that were not being met. Their aims today are to continue to find and help support the health and financial needs of the community, including both regional and urban areas.

What health insurance options are available?

Generally, you will have to wait 12 months before you can get access to the services included in your hospital cover policy (or 2 months if not pre existing). Most extras policies have between 2 and 12 month waiting periods.

With Australian Unity, there are six different hospital and extras policies available for you to choose from. You'll be able to get cover for the services included in these policies when you sign up, subject to any waiting periods you might need to serve.

Hospital only cover

Australian Unity offers 6 different hospital policies:

  • Simple Hospital (Basic Plus). Features include hospital cover for accidents and ambulance.
  • Standard Hospital (Bronze Plus). Cover includes the 18 clinical categories required for a Bronze rating as well as some added perks.
  • Intermediate Hospital (Silver Plus). This product covers the 26 clinical categories required for a Silver rating and more.
  • Classic Hospital (Silver Plus). This top level hospital cover only has 4 exclusions: assisted reproductive services, dialysis for chronic kidney failure, pregnancy and birth and weight loss surgery. It's tailored to those who want comprehensive cover but don't want to pay extra for pregnancy services and other potentially expensive treatments they're unlikely to need.
  • Advanced Hospital (Silver Plus). Includes eye (not cataracts), joint replacements and pregnancy and birth.
  • Ultimate Hospital (Gold). This policy includes all 38 clinical categories required for a Gold rating.

Extras only cover

Australian Unity's standalone extras covers include Basic Extras, Standard Extras, Intermediate Extras, Comprehensive Extras, Classic Extras and Advanced 80%.

  • Basic Extras. Basic Extras covers up to $950 per year on extras including general and preventative dental, optical, physio, chiro, osteo, remedial massage, pharmacy and travel vaccinations.
  • Standard Extras. This policy provides up to $1,200 per year for the most common extras including general and preventative dental, physio, chiro, osteo and remedial massage, and crowns, bridges and dentures.
  • Intermediate Extras. This policy allows you to claim up to $3,400 per person and offers cover for a broad range of services.
  • Classic 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.
  • Comprehensive Extras. This top level cover includes all the essentials plus things like sickness travel and accommodation, $150 per person towards travel vaccinations, psychology and more.
  • Advanced 80%. This policy entitles you to 80% back on all included extras and offers the highest limits of all the extras policies with cover for up to $8,500.

Combined hospital and extras

Australian Health Unity offers a range of combined policies that include both hospital and extras cover packaged together. Some of these are simply two of the standalone policies brought together. Others include bespoke hospital and extras policies that differ slightly from the standalone types mentioned above. These are outlined below.

  • Care 'n' Repair (Basic Plus). This provides hospital cover for accidents and emergency ambulance, plus extras like preventative and general dental, physio and optical.
  • Starter Classic Combination (Bronze Plus). This mid-level cover includes joint reconstructions with no excess for accidents and extras such as dental, chiro, physio and optical.
  • Starter Choice Combination (Bronze Plus). Another Starter Choice combination provides a little more than the previous package, including chiro, physio, podiatry, orthotics, braces, splints and garments.
  • Advantage Classic Combination (Silver Plus). This Silver level policy cover includes all 26 clinical categories required for silver and extras cover including preventative, general and major dental, chiro, physio and optical.
  • Advantage Choice Combination (Silver Plus). The second advantage choice policy includes all that silver policies cover plus no excess for accidents and more extras including podiatry, braces, splints and garments.
  • Top Choice (Silver Plus). For the top bespoke package available, you'll get cover for most hospital services except things like pregnancy. You'll also get extras cover for preventative, general and major dental, chiro, physio, podiatry, braces, splints and garments.

Information on tiers

The new classification system - Gold, Silver, Bronze and Basic - introduced by the Australian government on April 1 2019 means that Australian Unity have created a range of new policy options. Their Standard Hospital (Bronze Plus), Intermediate Hospital (Silver Plus) and Advanced Hospital (Silver Plus) all exceed the minimum standards set out by the government. That's why they are all classed as 'plus' categories.

Member offers

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.

How to make 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

Overseas visitors or Students

If you're planning on visiting or working in Australia, Australian Unity have options available to make sure you get the right level of health insurance as part of your visa requirements.

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10 Responses

    Default Gravatar
    CharmaineMay 14, 2019

    I need an affordable health insurance for my husband who needs mini plates removed from his eye socket. Can’t have a long waiting period and he is a disability pensioner, what would you suggest.

      Default Gravatar
      NikkiMay 15, 2019

      Hi Charmaine,

      Thanks for getting in touch with Finder! You can compare health providers for eye surgery. For in-hospital, major eye surgery is typically two months, while for extras corrective eye surgery it is usually about 12 months. There is no private health insurance policy offered by any Australian fund that does not have waiting periods as a standard feature. Regardless of whether you choose a hospital or extras cover, waiting periods usually apply to the benefits provided by your policy.

      You can learn more on how you can waive waiting periods since health funds do offer special promotions where they will waive the waiting periods on extras services to attract new members. In these cases, you are able to claim relevant services as soon as your membership begins. These deals are especially common around the March switching period and during the lead-up to the end of the financial year.

      As a friendly reminder, carefully review the Product Disclosure Statement of the product before applying. You may also contact the insurance provider should you have any questions about their policy.

      Hope this helps!


    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.


      Avatarfinder 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, you may need to get in touch with them directly. You can also read more about their services through our Australian Unity review page. Aside from that, please check other 489 visa health insurance policies featured on our website for more options.

      All the best,

    Default Gravatar
    AnnetteNovember 15, 2016

    Is LHC paid monthly or just on joining

      Avatarfinder 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,

    Default Gravatar
    barryOctober 18, 2016

    does my extras cover podiatry

      Avatarfinder 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,

    Default Gravatar
    derickJuly 26, 2016

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

      Avatarfinder 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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