UniHealth

UniHealth

Are you working in a higher education institution? Discover if UniHealth is the fund for you.

Restricted health funds are exclusive health insurance providers that are typically run as not-for-profit organisations for the benefit of their members. Because the health funds are restricted, it often mean more similarities between members, which can help restricted funds offer more focused products to deliver better value for money.

This guide goes through the different UniHealth cover types that are available and looks at how it compares to other health funds and the limitations and fine print to consider before signing up.

Who can join?Eligibility requirements
Higher education institutions
  • Universities
  • TAFEs
  • RTOs
Eligible staff members
  • Lecturers
  • Tutors
  • Management
  • Support
  • Administration staff
  • Maintenance workers
  • Anyone else working in a higher education institution
Eligible family members
  • Spouses and partners
  • Any immediate family member

Get even more value with these UniHealth deals for June 2017

Store Discount Expiration Description Last verified Redeem
Get 6 weeks free on UniHealth combined policies

Coupon code expires 29 Jun 2017

  • Restricted fund: Must satisfy membership criteria to apply
  • New members only
  • Applies to the second month following payment

Last verified 19 Jun 2017

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Extras waiting periods waived + 1 month free on combined policies

Coupon code expires 29 Jun 2017

  • Restricted fund: Must satisfy membership criteria to apply
  • Applies to 2 & 6 month extras waiting periods only
  • New members only
  • Applies to the second month following payment

Last verified 19 Jun 2017

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Interested in UniHealth? Compare it's range of policies

Rates last updated June 26th, 2017
Details Features
StarterPak
StarterPak
Combined cover designed to suit young people who want value money health insurance, but don’t want to pay for services that they may not use. Restricted fund: Only those working in higher education and their families can join.
  • Cover for 5 key services in a private hospital
  • Access Gap Cover
  • $500 general dental annual limit
  • $150 Healthy Lifestyle annual limit
Get Quote
Top Hospital
Top Hospital
This comprehensive policy is designed to offer complete peace of mind. Restricted fund: Only those working in higher education and their families can join.
  • Accomodation in a private hospital
  • Theatre and labour ward fees covered
  • Pregnancy and infertility treatment
  • Excess options of $0, $300 or $500
Get Quote
Mid Hospital
Mid Hospital
This intermediate hospital cover provides access to a private hospital over for a wide range of services, with a small range of services only covered in a public hospital. Restricted fund: Only those working in higher education and their families can join.
  • Your choice of doctor
  • Cover for theatre and intensive care fees
  • Cover for tonsil and adenoid removal
  • Access Gap Cover
Get Quote
Basic Hospital
Basic Hospital
An affordable entry level policy that is perfect for the young and healthy. It provides cover for essential services while keeping premiums low. Restricted fund: Only those working in higher education and their families can join.
  • Your choice of doctor
  • Cover for knee and shoulder reconstructions
  • Access Gap Cover
  • Medicare Levy Surcharge exemption
Get Quote
Top Extras
Top Extras
Provides generous benefits with overall limits for a comprehensive range of services including major dental, optical and psychology services. Restricted fund: Only those working in higher education and their families can join.
  • Unlimited general and preventative dental
  • $260 optical annual limit
  • $800 physiotherapy annual limit
  • $600 complimentary therapy annual limit
Get Quote
Essential Extras
Essential Extras
An affordable level of cover for everyday services including preventative and general dental, optical, physiotherapy and massage therapies that Medicare generally doesn’t pay towards. Restricted fund: Only those working in higher education and their families can join.
  • $500 general and preventative dental annual limit
  • $165 optical annual limit
  • $250 chiro and osteo annual limit
  • $400 complimentary therapy annual limit
Get Quote
Not a university, TAFE or RTO employee but still work in education? You and your family may be eligible to join Teachers Health. UniHealth is an offshoot 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.

What are the key features of UniHealth policies?

  • Comprehensive ambulance cover with all policies. It’s generally unusual to find a health fund that includes cover for non-emergency ambulance services in its hospital policies, especially at its most basic level of cover. UniHealth includes a $3,000 annual limit for non-emergency ambulance services and unlimited cover for emergency ambulance services.
  • Full private room cover. You will receive cover for private hospital accommodation when available for all eligible in-hospital procedures. For restricted procedures you can still get covered for a private room in a public hospital. Many other health funds will only cover a shared room in a public hospital.
  • No outright excluded treatments. The services covered by the Basic Hospital policy are similar to what you’ll find with many other health funds, but it doesn’t outright exclude cover for any specific procedures. Although out-of-pocket costs may be incurred as a private patient (regardless of whether you’re in a public or private hospital) it still gives you more flexibility if you do need any of those procedures.

What policies does UniHealth offer?

You can take out either hospital or extras cover alone. If you want both, you can also take out both hospital and extras, either by picking your own cover level for each or picking the package option:

  • Hospital. Covers you for Medicare services in private hospitals and delivers other benefits. The three levels of hospital cover are Basic, Mid and Top.
  • Extras. Covers a range of ancillary health services that aren’t covered by Medicare, like dental work, optical, physiotherapy and many other out-of-hospital health services. The two levels of extras cover are Essential and Top.
  • Package. UniHealth has a single package option known as the StarterPak, designed for those who want basic value-for-money cover for more commonly used services.

What’s covered by each level of hospital cover?

  • Covered in private hospitals
  • Minimally covered in private hospitals, largely covered as a private patient in a public hospital
  • Not covered
Treatments and featuresBasic HospitalMid HospitalTop Hospital
Excess options$300$300 or $500$0, $250 or $500
Access Gap Cover
  • Yes
  • Yes
  • Yes
Choice of doctor
  • Yes
  • Yes
  • Yes
Private room where available
  • Yes
  • Yes
  • Yes
Emergency ambulance transport
  • Yes
  • Yes
  • Yes
Non-emergency ambulance transport
  • Yes
  • Yes
  • Yes
Tonsil and adenoid removal
  • Partial
  • Yes
  • Yes
Knee and shoulder investigation and reconstruction
  • Partial
  • Yes
  • Yes
Appendicitis
  • Partial
  • Yes
  • Yes
Hernias
  • Partial
  • Yes
  • Yes
Wisdom teeth removal
  • Partial
  • Yes
  • Yes
Pregnancy and birth-related services
  • Partial
  • Partial
  • Yes
Infertility treatments
  • Partial
  • Partial
  • Yes
Hip, knee, shoulder and ankle replacements
  • Partial
  • Partial
  • Yes
Coronary care and cardiothoracic surgery
  • Partial
  • Partial
  • Yes
Dialysis
  • Partial
  • Partial
  • Yes
Major eye and lens surgery
  • Partial
  • Partial
  • Yes
Bariatric surgery
  • Partial
  • Partial
  • Yes
Sterilisation and reversal
  • Partial
  • Yes
  • Yes
Psychiatric, rehabilitation and palliative care
  • Partial
  • Partial
  • Yes
All other Medicare services
  • Partial
  • Yes
  • Yes
Non-Medicare services
  • No
  • No
  • No
Dental treatmentsEssential ExtrasTop Extras
General dental (specifics below)$500 per person per yearUnlimited
Oral examinations$40, up to twice per year$40, up to twice per year
Bitewing X-rays$30$30
Calculus removal$70, up to twice per year$70, up to twice per year
Remineralising agents$25, up to twice per year$25, up to twice per year
Tooth removal$90$90
Metallic fillings (1 surface)$63$63
Metallic fillings (2 surfaces)$109$109
Adhesive restorations (1 surface)$80$80
Adhesive restorations (3 surfaces)$115$115
Major dental (specifics below)$300 per person per year$1,300 per person per year initially
Wisdom teeth removal$170-$240, depending on severity$170-$240, depending on severity
Inlays and outlays (1 surface)$273$273
Inlays and outlays (2 surfaces)$300$432
Crowns (veneered)$300$750
Bridges$300$520
Dentures$300$1,000
Orthodontics
  • Not covered
Up to $2,500 lifetime limit
Extras servicesEssential ExtrasTop Extras
Optical
  • Yes
  • Yes
Complementary therapies
  • Yes
  • Yes
Chiropractics and osteopathy
  • Yes
  • Yes
Physiotherapy
  • Yes
  • Yes
Exercise physiology
  • No
  • Yes
Speech therapy
  • No
  • Yes
Podiatry
  • Yes
  • Yes
Dietician services
  • No
  • Yes
Psychology
  • No
  • Yes
Audiology
  • No
  • Yes
Hypnotherapy
  • No
  • Yes
Occupational therapy
  • No
  • Yes
Orthoptics
  • No
  • Yes
Prenatal and postnatal physiotherapy
  • No
  • Yes
Healthy lifestyle benefits
  • Yes
  • Yes
Non-PBS pharmaceuticals
  • Yes
  • Yes
Home nursing services
  • No
  • Yes
CPAP machine purchase
  • No
  • Yes
Artificial aids and appliances
  • No
  • Yes
Hearing aids
  • No
  • Yes
Emergency ambulance transport
  • Yes
  • Yes
Treatments and featuresStarterPak
Excess options$0 excess
Access Gap Cover
  • Yes
Private room where available
  • Yes
Emergency ambulance cover
  • Yes
Non-emergency ambulance cover
  • Yes
All other Medicare services
  • Partial
Non-Medicare services
  • No
Accident cover
  • Yes
Tonsil and adenoid removal
  • Yes
Knee and shoulder investigations and reconstructions
  • Yes
Appendicitis
  • Yes
Hernias
  • Yes
Wisdom teeth removal
  • Yes
Pregnancy and birth-related services
  • No
Infertility treatments
  • No
Hip and knee replacements
  • No
Shoulder and ankle replacements
  • Partial
Coronary care and cardiothoracic surgery
  • No
Dialysis
  • No
Major eye and lens surgery
  • Partial
Bariatric surgery
  • Partial
Sterilisation and reversals
  • No
Psychiatric, rehabilitation and palliative care
  • Partial
Extras servicesBenefit amounts
General dental (specifics below)$500 per person per year, $1,000 per family per year
Oral examinations$40
Bitewing X-rays$30
Calculus removal$70
Remineralising agents$25
Tooth removal$90
Metallic fillings$69 for a single filling, up to $109 for multiple
Surface adhesive restorations$80 for a single restoration, up to $115 for multiple
Major dental (specifics below)$500 per person per year, $1,000 per family per year
Wisdom teeth removal requiring removal of bone$120
Wisdom teeth removal requiring removal of bone and tooth division$150
Veneered crown
  • Not covered
Upper and lower dentures
  • Not covered
Orthodontics
  • Not covered
Other extras (specifics below)Chiropractic, osteopathy, physiotherapy and exercise physiology have a combined benefit of $300 per person per year, $600 per family per year
Optical
  • Yes
Chiropractic
  • Yes
Osteopathy
  • Yes
Exercise physiology
  • Yes
Speech therapy
  • No
Podiatry
  • No
Psychology
  • No
Dietician
  • No

Are there any additional benefits to being a member?

  • Access Gap Cover. All UniHealth policies include Access Gap Cover. This billing scheme helps reduce your out-of-pocket expenses for hospital treatments with participating doctors.
  • QBE home and car insurance discounts. Members receive a multi-policy discount with QBE home and car insurance.
  • Allianz Global Assistance travel insurance discounts. They also get 10% off Allianz Global Assistance travel insurance
  • New family program. Practical information and support for early parenting matters.
  • Rehabilitation at home. Professional rehabilitation services in the comfort and privacy of your own home.
  • Weight loss and management. Assistance in reaching and then maintaining your weight goals.
  • Chronic disease management. Professional, evidence-based support and assistance for a range of chronic diseases.
  • Diabetes management. Assistance for members with diabetes or pre-diabetes.
  • Residential care support. Receive assistance in making well-informed decisions on residential aged care facilities.
  • Hospital care at home. Early discharge and hospital care in your own home to help reduce the chance of hospital-acquired infections and to get home sooner.

How do I lodge a UniHealth claim?

  • Hospital claims. Many hospitals will require you to pay your excess upon admission, after which the hospital will then send the remainder of your bill directly to UniHealth. Premium payments can be made online or over the phone using a credit card, debit card or BPAY.
  • Extras claims. You can often claim your extras services on the spot simply by swiping your membership card and then paying any remaining balance not covered by UniHealth. Where electronic claiming isn’t available, you can claim online, via the UniHealth app or by filling out and submitting a claim form in person, via email or by post.

More useful information about UniHealth

A restricted service offers you a lot more options than an outright excluded service. For example, if you’ve taken out a Basic Hospital policy with UniHealth and you need knee surgery, you can receive time and cost estimates for how long you will have to wait and how much it will cost you to have the surgery done either under Medicare as a public patient or as a partially-covered private patient in a public or private hospital.

In many cases, you might be able to get a considerable portion of the costs covered for a restricted treatment as a private patient in a public hospital.

With restricted treatments, you’re in a position to consider all of the available treatment options, balancing the out-of-pocket costs and the benefits of each. If the treatment was simply excluded rather than restricted, as it typically is with most basic hospital policies, you’d have no choice but to get it done as a public patient or pay potentially extreme out-of-pocket costs as a private patient.

In general, the Basic Hospital policy delivers a higher level of cover than you might find with many equivalent basic policies, while the Top Hospital policy is generally equivalent to most comprehensive hospital policies, but at a more competitive price. And don’t forget about the exclusive UniHealth bonuses.

The Mid Hospital policy is also noteworthy. With a $500 excess option and private hospital cover for a practical range of services, it could be a suitable choice for people who want more than the  Basic cover but don’t feel the need to get the full range of services included in the Top cover.

UniHealth’s set dental benefits are fairly generous compared to other health funds and the benefits are the same for all general, and even some major, dental treatments under both the Essential and the Top Extras plans. Essential Extras is a suitable option for people who want cost-effective access to major dental cover, especially compared to the many health funds that won’t offer any major dental cover under a basic extras policy.

Most of the benefits are prescribed as a set amount that is reimbursed, which varies depending on the type of service you receive. This means you can receive exceptionally cost-effective ancillary health services even with the most basic extras policy. For example, you might only be a few dollars out of pocket for a chiropractic visit. By contrast, a more typical basic extras policy might see you paying a flat 40-50% of the cost out-of-pocket.

The services covered by Essential Extras are limited and may not be as varied as many other providers. However, it’s worth noting that Essential Extras does cover useful services that are not always available at a basic cover level, including non-PBS pharmaceuticals and healthy living benefits. This means you may be able to get cover for the cost of non-PBS prescription medications, gym memberships, weight management programs, pilates and yoga classes, disease management programs and health screening services.

You are not covered for orthodontics with the Essential Extras policy or the StarterPak combined package, but the Top Extras policy does include a lifetime orthodontics limit that grows over time. This is typical of most health insurance providers. A lifetime limit is the most you can ever claim under that policy, in contrast to the usual annual limits.

When you first join, there is a 24-month waiting period for orthodontics. However, once your cover begins in the third year, you will receive a $1,500 lifetime limit. This limit grows by $500 each year, up to $2,500 in the fifth year. For example, you might be able to claim $1,500 on orthodontics in your third year of cover and then a further $1,000 in the fifth year of your cover. Between these two claims, you will have used up the $2,500 lifetime limit. Note that the growing limit only applies to years of continuous cover.

The lower benefit amount is for wisdom teeth removal that requires the removal of bone alone. The higher benefit amount is for wisdom teeth removal that requires the removal of bone and tooth division. The latter procedure is more intensive and may be more likely to require anaesthetic or incur other costs. As such, higher benefits are payable.

Although costs can vary widely between different dentists (and depending on the situation), the $240 benefit payable towards this procedure should typically be enough to cover most of the costs of this procedure.

Switching is generally as easy as signing up with a new provider and leaving your old policy behind. The health funds are able to handle the transfer of information between themselves and you can access the appropriate cover right away, depending on the applicable waiting periods.

If you the policy you switch to includes equivalent cover for the same services as your previous policy, any waiting periods already served will be recognised.

The excess is an amount payable if you are admitted to hospital. It generally needs to be paid directly to the hospital. By picking a higher excess, you can get lower premiums, but you may have larger out-of-pocket expenses in the event of hospitalisation.

The excess payable per year is limited, although these limits can vary between health funds. With UniHealth, the excess is payable up to once per year for a singles policy and up to twice per year for couples and family policies.

The excess you choose is entirely your choice. Generally, however, someone who has no reason to expect hospitalisation in the near future might favour a higher excess and lower premiums, while someone who is more likely to experience serious health issues may want to opt for no-excess hospital cover. As such, it can be useful to look for a policy that offers a range of different excess options.

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