Top 3 features
- Good for anyone working at a higher education institution in Australia and their family.
- Good for a wide range of member offers.
- Beware if you're looking for mid-level extras.
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UniHealth is the only Australian private health insurance fund solely for the higher education community and their families. It gives value health insurance to its members through lower costs and generous benefits.
As an industry-based health fund, UniHealth membership is available to those working in a higher education institution in Australia – universities, colleges, TAFEs and RTOs. Eligible members include lecturers, tutors, management, support and administration staff and maintenance workers, as long as you are a current or former member of a relevant education union. Plus your spouse or partner, or any member of your immediate family can join too.
Not-for-profit fund UniHealth is part of Teachers Health, which is built on 60 years of health expertise, with a more specialised focus in order to deliver more benefits to its members. Along with Teachers Health, UniHealth provides health insurance policies to over 350,000 people.
UniHealth's Hospital covers are designed to suit different life stages and needs.
|Benefit||Basic Hospital (Basic Plus)||Mid Hospital (Basic Plus)||Mid Classic (Silver Plus)||Top Hospital (Gold)|
|Assisted reproductive services|
|Back, neck and spine|
|Bone, joint and muscle|
|Brain and nervous system|
|Breast surgery (medically necessary)|
|Chemotherapy, radiotherapy and immunotherapy for cancer|
|Diabetes management (excluding insulin pump)|
|Dialysis for chronic kidney failure|
|Ear, nose and throat|
|Eye (not cataracts)|
|Heart and vascular system|
|Hernia and appendix|
|Hospital psychiatric services|
|Implantation of hearing devices|
|Kidney and bladder|
|Lung and chest|
|Male reproductive system|
|Miscarriage and termination of pregnancy|
|Pain management with device|
|Plastic and reconstructive surgery (medically needed)|
|Podiatric surgery (provided by a registered podiatric surgeon - limited benefits)|
|Pregnancy and birth|
|Tonsils, adenoids and grommets|
|Weight loss surgery|
|Private Hospital (Agreement private hospital and same day surgeries)|
|Choice of Agreement private hospital|
|Accommodation – shared and private room (where available)|
|Theatre fees, intensive care fees|
|Labour ward fees|
|Choice of doctor|
|Access Gap Cover|
|Government approved surgically implanted prostheses (some prostheses may have out-of-pocket expenses)|
|Private room (where available)|
|Theatre fees, intensive care fees|
|Labour ward fees|
|Excess (Basic Hospital)|
|Emergency Ambulance Transport|
|Exemption from Medicare levy surcharge|
You can take out an Extras policy on its own, or pair it up with a Hospital cover options – so you're covered for emergencies, and any extras too.
The Starter Pak policy combines a big range of Hospital and Extras services – without a big price tag. And you won't need to pay excess if you end up in hospital.
As part of the Federal Government's Private Health Insurance Reforms, all health funds are required to align their hospital products to new Standard Clinical Categories and Gold/Silver/Bronze/Basic product tiers.
Each Standard Clinical Category has a defined list of services that are covered. To fit the new structure, UniHealth has had to add or remove service.
Here's a snapshot of the changes:
In addition to the existing product range – Top Hospital (Gold), Mid Hospital (Basic Plus), Basic Hospital (Basic Plus) and StarterPak (Basic Plus) – they've introduced a new product, Mid Classic (Silver Plus).
Our StarterPak combined cover is designed to suit young people who want value for money health insurance, but don't want to pay for services that they may not use. It offers outstanding value and coverage for a range of Hospital and Extras services.
There are several ways you can lodge a health insurance extras claim with UniHealth:
If you receive a bill for hospital services from your doctor or specialist:
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