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 |
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| Back, neck and spine |
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| Blood |
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| Bone, joint and muscle |
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| Brain and nervous system |
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| Breast surgery (medically necessary) |
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| Cataracts |
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| Chemotherapy, radiotherapy and immunotherapy for cancer |
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| Dental surgery |
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| Diabetes management (excluding insulin pump) |
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| Dialysis for chronic kidney failure |
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| Digestive system |
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| Ear, nose and throat |
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| Eye (not cataracts) |
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| Gastrointestinal endoscopy |
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| Gynaecology |
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| Heart and vascular system |
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| Hernia and appendix |
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| Hospital psychiatric services |
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| Implantation of hearing devices |
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| Joint reconstructions |
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| Joint replacements |
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| Kidney and bladder |
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| Lung and chest |
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| Male reproductive system |
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| Miscarriage and termination of pregnancy |
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| Pain management |
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| Pain management with device |
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| Palliative care |
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| Plastic and reconstructive surgery (medically needed) |
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| Podiatric surgery (provided by a registered podiatric surgeon - limited benefits) |
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| Pregnancy and birth |
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| Rehabilitation |
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| Skin |
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| Sleep studies |
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| Tonsils, adenoids and grommets |
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| Weight loss surgery |
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| Insulin pumps |
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| Private Hospital (Agreement private hospital and same day surgeries) | ||||
| Choice of Agreement private hospital |
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| Accommodation – shared and private room (where available) |
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| Theatre fees, intensive care fees |
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| Labour ward fees |
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| Medical services | ||||
| Choice of doctor |
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| Access Gap Cover |
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| Government approved surgically implanted prostheses (some prostheses may have out-of-pocket expenses) |
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| Public Hospital | ||||
| Shared room |
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| Private room (where available) |
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| Theatre fees, intensive care fees |
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| Labour ward fees |
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| Other | ||||
| Excess (Basic Hospital) |
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| Emergency Ambulance Transport |
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| Non-emergency Ambulance |
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| Exemption from Medicare levy surcharge |
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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:
Use Finder's free calculator to find out if you're liable for the MLS and whether private hospital cover could save you money.
Finder is giving eligible customers a $300 digital Visa card when they switch their health insurance to Medibank
Don’t have private hospital cover? You could be paying more tax than you need to, due to the Medicare Levy Surcharge.
ahm offers a broad range of policies with affordable premiums, but if you’re looking for the lowest price possible, cheaper options are available.
GMHBA health insurance offers a wide range of hospital and extras policies, giving you tons of flexibility.
This guide looks at the reasons people switch, and what it means for your waiting periods. You can also compare new options with over 30 Australian health funds.
Australians don’t need private health insurance. However, a health insurance policy can cover some treatments that Medicare does not. You’ll also get faster treatment, plus tax benefits.
It's not possible to skip waiting periods for health insurance but there are exceptions.
Find out about the latest health insurance deals and special promotions.
Learn how to get cheap health insurance and what you can expect for your money.