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 |
|
|
|
|
| Blood |
|
|
|
|
| Bone, joint and muscle |
|
|
|
|
| Brain and nervous system |
|
|
|
|
| Breast surgery (medically necessary) |
|
|
|
|
| Cataracts |
|
|
|
|
| Chemotherapy, radiotherapy and immunotherapy for cancer |
|
|
|
|
| Dental surgery |
|
|
|
|
| Diabetes management (excluding insulin pump) |
|
|
|
|
| Dialysis for chronic kidney failure |
|
|
|
|
| Digestive system |
|
|
|
|
| Ear, nose and throat |
|
|
|
|
| Eye (not cataracts) |
|
|
|
|
| Gastrointestinal endoscopy |
|
|
|
|
| Gynaecology |
|
|
|
|
| Heart and vascular system |
|
|
|
|
| Hernia and appendix |
|
|
|
|
| Hospital psychiatric services |
|
|
|
|
| Implantation of hearing devices |
|
|
|
|
| Joint reconstructions |
|
|
|
|
| Joint replacements |
|
|
|
|
| Kidney and bladder |
|
|
|
|
| Lung and chest |
|
|
|
|
| Male reproductive system |
|
|
|
|
| Miscarriage and termination of pregnancy |
|
|
|
|
| Pain management |
|
|
|
|
| Pain management with device |
|
|
|
|
| Palliative care |
|
|
|
|
| Plastic and reconstructive surgery (medically needed) |
|
|
|
|
| Podiatric surgery (provided by a registered podiatric surgeon - limited benefits) |
|
|
|
|
| Pregnancy and birth |
|
|
|
|
| Rehabilitation |
|
|
|
|
| Skin |
|
|
|
|
| Sleep studies |
|
|
|
|
| Tonsils, adenoids and grommets |
|
|
|
|
| Weight loss surgery |
|
|
|
|
| Insulin pumps |
|
|
|
|
| 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 |
|
|
|
|
| Medical services | ||||
| Choice of doctor |
|
|
|
|
| Access Gap Cover |
|
|
|
|
| Government approved surgically implanted prostheses (some prostheses may have out-of-pocket expenses) |
|
|
|
|
| Public Hospital | ||||
| Shared room |
|
|
|
|
| Private room (where available) |
|
|
|
|
| Theatre fees, intensive care fees |
|
|
|
|
| Labour ward fees |
|
|
|
|
| Other | ||||
| Excess (Basic Hospital) |
|
|
|
|
| Emergency Ambulance Transport |
|
|
|
|
| Non-emergency Ambulance |
|
|
|
|
| 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:
An online doctor is just like any other GP – except the appointment usually takes place via video call rather than face-to-face.
GMHBA health insurance offers a wide range of hospital and extras policies, giving you tons of flexibility.
AIA health insurance offers a competitive range of health insurance packages, each offering membership to the unique AIA Vitality health and wellness program.
Frank Insurance, owned by GMHBA, aims to make health insurance simple, easy to understand and affordable.
If you turned 31 this year, you may want to take out private health insurance to avoid paying an additional 2% a year.
Find out which health funds offer rewards points and discount for getting healthy.
Telehealth is an exciting new way of providing remote healthcare services using different technologies.
What are private health insurance loyalty programs and what sorts of benefits can they offer you? Find out here.
If you're a student, chances are you don't have a whole lot of cash to burn. Compare student health insurance and protect your health and budget.
Bupa health insurance offers different levels of cover for better health services but also provides tax benefits and prevents government penalties.