Australian Unity health insurance review

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

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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.

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.

8 of 8 results
Treatments Rewards Price
Australian Unity Health Limited logo
Standard Hospital (Bronze Plus)
Bronze Plus$750 excess
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
$162.70
per month
More info
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Australian Unity Health Limited logo
Simple Hospital (Basic Plus)
Basic Plus$750 excess
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
$115.50
per month
More info
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Australian Unity Health Limited logo
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
$378.95
per month
More info
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Australian Unity Health Limited logo
Core Hospital (Bronze Plus)
Bronze Plus$750 excess
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
$138.65
per month
More info
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Australian Unity Health Limited logo
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
$206.05
per month
More info
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Australian Unity Health Limited logo
Midpoint Hospital (Silver Plus)
Silver Plus$750 excess
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
$178.10
per month
More info
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Australian Unity Health Limited logo
Classic Hospital (Silver Plus)
Silver Plus$750 excess
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
$268.00
per month
More info
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Australian Unity Health Limited logo
Value Hospital (Silver Plus)
Silver Plus$750 excess
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
$220.80
per month
More info
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Showing 8 of 8 results
4 of 4 results
Treatments Rewards Price
Australian Unity Health Limited logo
Easy Extras (ESE)
Extras cover
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
$23.35
per month
More info
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Australian Unity Health Limited logo
Top Extras (TPE)
Extras cover
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
$126.70
per month
More info
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Australian Unity Health Limited logo
Freedom Extras (FRE)
Extras cover
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
$81.50
per month
More info
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Australian Unity Health Limited logo
Focus Extras (FCE)
Extras cover
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
$57.25
per month
More info
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Showing 4 of 4 results
4 of 4 results
Treatments Rewards Price
Australian Unity Health Limited logo
Care 'n Repair (Basic Plus)
Basic Plus$500 excess
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
$137.60
per month
More info
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Australian Unity Health Limited logo
Care 'n Repair (Basic Plus)
Basic Plus$750 excess
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
$125.45
per month
More info
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Australian Unity Health Limited logo
Essential Choice (Bronze Plus)
Bronze Plus$750 excess
Hospital
Extras
$194.55
per month
More info
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Australian Unity Health Limited logo
Essential Choice (Bronze Plus)
Bronze Plus$500 excess
Hospital
Extras
$214.05
per month
More info
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Showing 4 of 4 results

What do Australians think of Australian Unity health insurance?

  • 4.36/5 overall for Customer Satisfaction - higher than the average of 4.13
  • 4.84/5 for Trust - higher than the average of 4.46
  • 4.32/5 for Customer Service - higher than the average of 4.17

Based on Australian Unity health insurance scores in Finder's 2024 & 2025 Customer Satisfaction Awards.

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.

FAQs

Sources

Nicola Middlemiss's headshot
Journalist

Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

Nicola's expertise
Nicola has written 257 Finder guides across topics including:
  • Personal finance
  • Personal insurance, including car, health, home, life, pet and travel insurance
  • Commercial business insurance

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