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2022 Review of Australian Unity Health Insurance

Megan Fraser Updated: 20 May 2022
Types of Health Insurance

Considering health insurance or looking to switch insurers? As one of the longest-standing providers in the country, they offer a range of policies that meet the needs of everyone. The insurer offers six different Hospital policies and four different Extras policies. Each can be customised with your own needs. There are also three pre-packaged plans if you don’t want the hassle of setting up everything yourself.

Australian Unity

Australian Unity health insurance is committed to providing quality health insurance products at an affordable price. With the belief that everyone should have access to good healthcare, their policies reflect that commitment. Review and compare their various health insurance policies here if you’re considering Australian Unity as your private health insurer.

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  • Australian-Unity
  • AHM
  • NIB
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  • AIA

What does Australian Unity Health Insurance offer?

Private health insurance policies from Australian Unity are the perfect option for singles, couples and families. With online manageability of your cover 24/7, you can change to a more suitable plan within 30 days without having any waiting periods left on the previous services provided you switch to a similar level of cover. Australian Unity Health Insurance provides:

AU health comp 01

Who is Australian Unity Health Insurance?

With offices in Melbourne and 500 hospital partners across Australia, the Australian Unity insurance company serves one million citizens. They paid 519,000 claims last year for 260,000 members total, making them an increasingly attractive option as your healthcare needs grow or change. To date, their total membership sits at over 700,000 customers.

Australian Unity has been providing quality services since 1840, making them one of Australia’s oldest companies. The company’s mission is to put quality first and provide a service that benefits everyone, not just members or customers but also the community at large. As a member owned wellbeing company, all profits from this business go back into its operations to benefit customers, members, and the wider community, instead of profiting shareholders.

Pros and Cons of this Australian Unity

Advantages

  • Usually, no excess payment is required if you are hospitalised due to an accident.
  • Usually, there is no excess payable for kids, and they can generally remain on your policy until age 23.
  • Access to an array of programs and services designed to help you maintain a healthy lifestyle.
  • 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.
  • No-Gap Dental Program through Australian Unity dental allows you to receive up to 100% back for preventative dental care.

Disadvantages

  • Generally, if you are on the Basic Plus Extras option, you won’t have access to the No-Gap Dental Programme.
  • Ambulance only cover is not available.
  • Pre-packaged options can’t be purchased as separate policies.
  • You’re required to wait 12 months before claiming a benefit if you have pre-existing conditions.

Compare Hospital policies

With six different Hospital plans from which to choose, it is easy for you and your family members who need hospital care promptly. Each hospital cover policy has its own monthly price with benefits that are suited just right according to the needs of everyone covered by this plan – whether they be an individual or a whole household.

Simple Hospital (Basic Plus)

Price per month: $109.40

Benefits

  • Dental surgery
  • Tonsils, adenoids and grommets
  • Rehabilitation
  • Hernia and appendix

Restrictions

  • Hospital psychiatric services
  • Rehabilitation
  • Palliative care

Standard Hospital (Bronze Plus)

Price per month: $137.60

Benefits

  • 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

Restrictions

  • Hospital psychiatric services
  • Rehabilitation
  • Palliative care

Intermediate Hospital (Silver Plus)

Price per month: $176.35

Benefits

  • 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)

Restrictions

  • Hospital psychiatric services

Classic Hospital (Silver Plus)

Price per month: $226.00

Benefits

  • 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

Restrictions

  • Hospital psychiatric services

Advanced Hospital (Silver Plus)

Price per month: $246.80

Benefits

  • Implantation of hearing devices
  • Cataracts
  • Rehabilitation
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Dialysis for chronic kidney failure
  • Weight loss surgery
  • Joint replacements
  • Plastic and reconstructive surgery
  • Pain management
  • Assisted reproductive services

Restrictions

  • None

Ultimate Hospital (Gold)

Price per month:

Benefits

  • 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

Restrictions

  • None

Compare Extras policies

The company offers a variety of different options for their customers. The four Extras plans have monthly prices, benefits and limits. This type of insurance is a great way to protect yourself from high costs associated with essential or popular treatments outside the hospital. These include dental care, eye exams and physiotherapy appointments, among other things.

Base Extras

Price per month: $38.55

Benefits

  • General dental
  • Non-PBS pharmaceuticals
  • Physiotherapy
  • Chiropractic
  • Acupuncture
  • Remedial massage
  • Osteopathy
  • Endodontic
  • Optical

Mid Extras

Price per month: $59.80

Benefits

  • Everything included in the Base policy
  • Major dental
  • Exercise physiology

Active Extras

Price per month: $81.05

Benefits

  • Everything in the Mid policy
  • Podiatry
  • Hearing aids
  • Psychology
  • Blood glucose monitors
  • Audiology
  • Dietetics/dietary advice
  • Eye therapy
  • Occupational therapy
  • Speech therapy

Prime Extras

Price per month: $102.25

Benefits

  • Everything in the Active policy
  • Ante-natal/Post-natal classes
  • Orthotics

Combined cover

There are four Combined policies that include coverage for services and treatments both in and out of hospital. The price per month ranges from $86.70 to $156.66. The packages consist of the Simple Hospital policy and various Extras policies.

ambulance nurse 01

Ambulance cover

Membership plans and hospital cover policies often come with free emergency ambulance service. However, you should be aware that this is not a stand-alone policy and cannot replace your coverage from other sources.

How to Join Australian Unity

Becoming a member of Australian Unity is easy. You can choose to take out hospital cover, Extras policies, or a combined policy that covers all health care services. Below is a list you can follow to join this private health insurer.

  • Visit the Australian Unity website.
  • Download, complete, and submit an application form via the portal online. A service provider will be in touch to confirm your membership.
  • Call them on 1300 060 625 to speak to an agent who will guide you through the application process.

Claiming from Australian Unity

The Australian Unity card can be used to claim back from the insurance company. You have several options, including swiping at providers’ HICAPS machines or CSC terminals, logging onto their website and reporting claims, or by phone if necessary for further guidance on how best to do it.

The Australian Unity Health Fund will cover your medical expenses while you’re in hospital. You only need to pay an excess amount, which is calculated based on what they spend for that particular treatment or service and how much it costs at another health provider’s facility nearby.

Frequently Asked Questions and Answers

  • Is Australian Unity reliable?

    Australian Unity’s wellbeing platform empowers members with the tools to live well and make meaningful improvements in their health, wealth and living. Member-owned means Australian Unity isn’t owned by shareholders but rather its customers through a unique community structure that gives them freedom of investment back into services important, especially so you can have complete control over how your money is spent on behalf or just doing good.
  • Who owns Australian Unity?

    Australian Unity is one of Australia’s longest-running health care providers with a 180-year history. Australian unity has 15 member funds that operate separately but maintain combined operations for this company, which are part of the Members Own Health Funds Association. Australian Unity is recognised as a member-owned company, where profits are returned to the healthcare fund to cover benefits for the community.
  • Is Australian Unity not for profit?

    Australian Unity is a for-profit company. The health insurance company is a publically owned business with many closely held subsidiaries that help run the operations. The profits garnered don’t go back to shareholders, though. Instead, they are returned to the community in the form of benefits and rewards for members, making them even more valuable than any other prize money on offer.
  • Is Australian Unity Australian owned?

    Yes, Australian Unity is Australian owned. In fact, it is one of the very first member-owned companies in the country. The private health insurance company has been running for over 180 years and has been supporting Australian members with health care coverage since the 1800s. It is a for-profit entity, but a large portion of profits are injected back into the community to provide attractive discounts and benefits for members. The mutual company is a member owned wellbeing company.
  • What member offers can I get with Australian Unity?

    Members gain access to My Real Wellbeing, a healthcare programme dedicated to offering members the best deals, discounts, and rewards for leading a healthy and balanced life. Members can receive special offers, such as 15% off dental treatments when visiting a smile.com.au dentist, 100% back on prescription glasses and contact lenses, 9% on groceries, petrol and movie tickets, and 100% back for preventative dental care with their gap dental network.
  • Can I get overseas visitors or student cover with Australian Unity?

    Yes, this health insurance company offers an Overseas Visitors Cover plan to those who are visiting from overseas. This policy covers doctor fees, ambulance services and accommodation as well. Student cover is available for dependents. As long as your child is under the age of 25, they can receive hospital services and medicare benefits as your dependent. In order to qualify, they must be studying or undertaking an apprenticeship.

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