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Australian Unity Health Insurance

Megan Fraser Updated: 05 July 2021
Types of Health Insurance

Australian Unity Health Insurance has provided health coverage to Australian citizens for over 179 years. Whether you’re looking for your first policy or you’d like to switch health insurers, this company could be your ideal choice. However, it’s typically a good idea to compare all of your options to determine whether they meet all of your requirements.

This insurer offers members six Hospital and six Extras policies to choose from. Additionally, they offer members combinations of Hospital and Extras options. This allows you to create a plan suited to your specific requirements and budget. Alternatively, you’ll have the option to choose one of their 3 pre-packaged plans.

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Call 1300 795 560
  • Australian-Unity
  • AHM
  • NIB
  • HIF
  • Phoenix-Health
  • AIA

About the company

The Australian Unity insurance company is a for-profit fund situated in Melbourne. The insurer has partnered with more than 500 hospitals across the country and serves over one million Australian citizens. In the year 2020, the insurance company paid 519,166 claims and provided for 260 000 members, bringing their total membership to 700 000 customers.

What are the pros and cons

ProsCons
No-Gap Dental Program through Australian unity dental allows you to receive up to 100% back for preventative dental care.Generally, if you are on the Basic Plus Extras option you won’t have access to the No-Gap Dental Program
Usually, no excess payment is required if you are hospitalised due to an accident.Ambulance only cover is not available.
Usually, there is no excess payable for kids and they can generally remain on your policy until age 23.Pre-packaged options can’t be purchased as separate policies.
Access to an array of programs and services designed to help you maintain a healthy lifestyle.You’re required to wait 12 months before you can claim a benefit if you have pre-existing conditions.
You can receive a minimum of 15% off dental treatments when visiting a smile.com.au dentist.
Get up to 100% back on prescription glasses and contact lenses
Health insurance members receive free access to Wellplan rewards which can save you up to 9% on groceries, petrol and movie tickets.
Receive a $100 gift card if referred someone and they become a member of Australian Unity.

Waiting periods

Hospital cover

The company offers six different Hospital plans from which to choose. Each policy has its own monthly price, benefits, and monthly/annual limits.

PlanPrice (per month)BenefitsRestricted Cover
Basic Plus (Simple Hospital)$107.70
  • Dental surgery
  • Tonsils, adenoids and grommets
  • Rehabilitation
  • Hernia and appendix
  • Hospital psychiatric services
  • Rehabilitation
  • Palliative care
Bronze Plus (Standard Hospital)$131.75
  • Blood Eye (not cataracts)
  • Pain management Bone, joint and muscle
  • Gastrointestinal endoscopy
  • Plastic and reconstructive surgery (medically necessary)
  • Brain and nervous system
  • Gynaecology
  • Skin
  • Breast surgery (medically necessary)
  • Hernia and appendix
  • Tonsils, adenoids and grommets
  • Hospital psychiatric services
  • Rehabilitation
  • Palliative care
Silver Plus (Intermediate Hospital)$168.15
  • Palliative care
  • Heart and vascular system
  • Plastic and reconstructive surgery (medically necessary)
  • Brain and nervous system
  • Hernia and appendix
  • Podiatric surgery (provided by a registered podiatric surgeon – limited benefits
  • Breast surgery (medically necessary)
  • Implantation of hearing devices
  • Rehabilitation
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Joint reconstructions
  • Sleep studies
  • Eye (not cataracts)
  • Hospital psychiatric services
Silver Plus (Advanced Hospital)$235.95
  • Assisted reproductive services
  • Palliative care
  • Heart and vascular system
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by a registered podiatric surgeon – limited benefits)
  • Breast surgery (medically necessary)
  • Implantation of hearing devices
  • Cataracts
  • Rehabilitation
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Dialysis for chronic kidney failure
  • Weight loss surgery
  • Hospital psychiatric services
Gold (ultimate Hospital)$263.70
  • Assisted reproductive services
  • Eye (not cataracts)
  • Blood Gynaecology
  • Palliative care
  • Hernia and appendix
  • Implantation of hearing devices
  • Cataracts
  • Rehabilitation
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Joint reconstructions
  • Dialysis for chronic kidney failure
  • Lung and chest
  • Weight loss surgery
  • Hospital psychiatric services
  • No limits

Source: PrivateHealth.gov.au (May 2021)

Extras Cover

The company offers six different Extras plans from which to choose. Each policy has its own monthly price, benefits, and monthly/annual limits.

PlanPrice (per month)Waiting PeriodAnnual Limits
Basic Extras$33.35
  • 2 months: General dental, Non PBS pharmaceuticals, Physiotherapy, Chiropractic, Acupuncture, Remedial massage, Osteopathy
  • 6 months: Endodontic, Optical
  • General dental/ Endodontic: $50.00
  • Optical: $150.00
  • Non PBS pharmaceuticals: $100.00
  • Physiotherapy/ Chiropractic/ Acupuncture/ Remedial massage/ Osteopathy: $350.00
Standard Extras$49.40
  • 2 months: General dental, Physiotherapy, Chiropractic, Acupuncture, Remedial massage
  • 6 months: Endodontic, Optical
  • 12 months: Major dental
  • General/Major dental and Endodontic: $600.00
  • Optical: $200.00
  • Physiotherapy/ Chiropractic/ Acupuncture/ Remedial massage/ Osteopathy: $400.00
Intermediate Extras$72.80
  • 2 months: General dental, Physiotherapy, Chiropractic, Acupuncture, Remedial massage, Podiatry, Dietetics/dietary advice, Osteopathy
  • 6 months: Endodontic, Optical
  • 12 months: Major dental
  • General dental: $600.00
  • Major dental: $500.00
  • Endodontic: $300.00
  • Optical: $200.00
  • Physiotherapy/ Chiropractic/ Osteopathy
  • Podiatry: $300.00
  • Acupuncture/ Remedial massage: $300.00
  • Dietetics/dietary advice: $300.00
Classic Extras$89.90
  • 2 months: General dental, Non PBS pharmaceuticals, Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Audiology, Chinese medicine, Dietetics/dietary advice, Eye therapy, Occupational therapy, Osteopathy, Speech therapy
  • 6 months: Endodontic, Optical
  • 12 months: Major dental, Orthodontic, Hearing aids, Blood glucose monitors, Orthotics
  • General dental: $800.00
  • Major dental: $600.00
  • Endodontic: $400.00
  • Orthodontic: $600.00
  • Optical: $200.00
  • Non PBS pharmaceuticals: $400.00
  • Physiotherapy/ Chiropractic/ Osteopathy: $500.00
  • Podiatry/ Orthotics: $350.00
  • Psychology: $350.00
  • Acupuncture/ Remedial massage: $300.00
  • Hearing aids: $550.00
  • Blood glucose monitors: $220.00
  • Dietetics/dietary advice: $300.00
  • Eye therapy/ Occupational therapy/ Speech therapy: $350.00
Advanced 80% Extras$188.50
  • 2 months: General dental, Non PBS pharmaceuticals, Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Audiology, Chinese medicine, Dietetics/dietary advice, Eye therapy, Occupational therapy, Osteopathy, Speech therapy
  • 6 months: Endodontic, Optical
  • 12 months: Major dental, Orthodontic, Hearing aids, Blood glucose monitors, Orthotics
  • General dental: $1000.00
  • Major dental: $800.00
  • Endodontic: $500
  • Orthodontic: $800.00
  • Optical: $300.00
  • Non PBS pharmaceuticals: $600.00
  • Physiotherapy: $600.00
  • Chiropractic/ Osteopathy: $500.00
  • Podiatry/ Orthotics: $600.00
  • Psychology: $600.00
  • Acupuncture/ Remedial massage: $400.00
  • Hearing aids/ Blood glucose monitors: $600.00
  • Audiology/ Occupational therapy/ Speech therapy: $600.00

Source: PrivateHealth.gov.au (May 2021)

Rewards and discounts for members

As a member of the health insurance company, you can receive a wide range of benefit and rewards. To claim for rewards, you need to be an active member and part of a medical plan. You’ll have access to rewards and benefits when logging into the website or utilising the app.

How to join

There are a few ways to join this health insurance company. You can either visit the Australian Unity website, download and then submit an application form, or call them on 1300 060 625 to speak to an agent who will guide you through the application process. You can also request a quote when completing the quote form.

How to claim from Australian Unity

There are several ways to claim back from the insurance company. You can swipe your Australian Unity card at your providers’ HICAPS or CSC machine, claim online through their website, or send your claim via email. You can also phone the helpline for further guidance.

When being admitted to the hospital, you usually will only need to pay your excess amount, while the bill will be sent directly to the Australian Unity Health Fund.

It’s recommended that you contact your health fund before going to the hospital so you can get pre-approval and ensure that your procedure will be covered.

Frequently asked questions and answers

  • Who owns Australian Unity?

    Australian Unity is a for-profit company that has a 175-year history. It is a publicly owned company held by various subsidiaries that maintain the operations of the company and is part of the Members Own Health Funds, consisting of 15 mutual health fund alliances.
  • How much does Australian Unity health insurance cost?

    Plans and health policies from this health insurance company all differ in price depending on the level of coverage they offer. For example, a basic hospital plan can cost you $107.70, whereas a gold hospital plan can cost $263.70. Some Extras policies differ in price, such as an advance extras policy which is $188.50 a month, or a basics extras plan which is $33.35 a month.
  • Is Australian Unity a profit or non-profit health fund?

    The health insurance company is publically owned with many closely held subsidiaries that help run the operations. The company is therefore a for-profit health fund. But a certain percentage of the profits are returned to members in the form of benefits and rewards.
  • Does Australian Unity provide ambulance cover

    Yes. When you purchase a membership or hospital plan, you’ll usually receive emergency ambulance transportation. However, it’s important to note that the company does not provide stand-alone ambulance coverage.
  • When does Australian Unity Extras reset?

    The annual limits for the Extras plan resets on the first of January every year. The benefit and rewards system also resets at this time. You, therefore, receive a clean slate at the beginning of every year when purchasing an Extras plan or policy.
  • Does Australian Unity cover gym memberships?

    Yes, if you are an active member of the company and have purchased a plan through them, you can receive attractive discounts on various health and lifestyle services and products. This includes gym memberships, supplements, fitness equipment, and healthy food.
  • Can you switch from another health fund to Australian Unity?

    Yes, you can easily switch insurance policies from one health fund to Australian Unity at any point in time. You even have the option of changing your lever of coverage within the health fund. Remember that you can receive cover when transferring within 30 days of leaving your previous fund.
  • Does Australian Unity cover cataract surgery?

    Yes, the health fund does cover for cataract surgery, and various other eye-related health services. However, this depends on your level of coverage and which policy you have purchased. Remember to review your plan and cover before booking your surgery to ensure you’re covered.
  • Does Australian Unity provide cover for overseas visitors?

    Yes, the company does cater for overseas visitors but only when purchasing the Overseas Visitors Cover plan. The policy covers doctor fees, ambulance services, hospital and theatre fees and accommodation, and day surgeries and procedures.

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