Australian Unity Health Insurance
Australian Unity Health Insurance offers 8 hospital-only plans and packages combining Hospital and Extras coverage, including ‘Simple Hospital (Basic Plus)’, ‘Standard Hospital (Bronze Plus)’, and ‘Complete Hospital (Gold).’ These plans start from 38.60 AUD per fortnight and go up to 3,172.79 AUD per year.
Additionally, Australian Unity Health Insurance provides unique features such as unlimited emergency ambulance coverage for emergencies and Hospital Substitution Programs that offer in-home care options to reduce hospital stays when medically approved.
| 🔎 Provider | 🥇 Australian Unity Health Insurance |
| 📈 Date Established | 1840 |
| 📉 Headquartered | Melbourne, Australia |
| 📊 Registration Number | 5435 |
| 💹 The average number of members | Approximately 280,000 |
| 💱 Number of Employees | Over 7,000 employees |
| 🛡️ APRA-Regulated | ✅Yes |
| ⭐ The most recent Market Cap reported | Not publicly available |
| 5️⃣ Average Customer Rating | 4.2 stars |
| 🔟 Average Number of Reviews | 1,000+ reviews |
| 📒 Market Share | Estimated at around 3% of the private health insurance market |
| 📑 Number of plans offered | 8 Hospital Only plans, with comprehensive packages combining Hospital and Extras coverage |
| 🏆 Sponsorships | Involved in multiple community and sports sponsorships, including local events and charities |
| 📲 Mobile App | The Australian Unity Health App |
| 🖱️ Medical Claims Portal | ✅Yes |
| ⏰ Customer Support Operating Hours | Monday - Friday 8:30 am to 6 pm AEDT |
| 🗃️ Information Hub and Blog | Available with health insights and updates |
| 🗄️ Chronic Illness Benefits | Health Support Programs for managing conditions like diabetes and heart disease |
| 📇 Screening and Prevention offered | Programs include cervical cancer vaccinations, smoking cessation, and weight loss initiatives |
| 🍼 Maternity Benefit | Covered under specified plans |
| 💴 Health Insurance Contribution Range (AUD) | From $38.60 per fortnight to $3,172.79 per year |
| 🚨 Average Waiting Period | Varies, typically from no waiting period for preventative services to 12 months for pre-existing conditions |
| 🌎 International Medical Cover Offered | ✅Yes |
| ✈️ International Travel Benefit | Included in selected comprehensive plans |
Overview
Australian Unity Health Insurance has been a trusted name in the Australian healthcare sector since its establishment in 1840. Headquartered in Melbourne, this provider serves approximately 280,000 members, offering a diverse range of health insurance plans designed to meet varying needs. With over 7,000 employees and a strong market presence, Australian Unity Health Insurance is APRA-regulated and committed to providing affordable, comprehensive coverage.
The provider offers eight hospital-only plans and various comprehensive packages that combine hospital and extra coverage, ensuring members have flexible options for their healthcare needs. Their services extend beyond health insurance, with a mobile app for easy access to health services, a claims portal for convenience, and health support programs that focus on chronic illness management and prevention.
Australian Unity also sponsors community and sports initiatives, contributing positively to the local environment.
Frequently Asked Questions
What types of health plans does Australian Unity Health Insurance offer?
Australian Unity offers 8 hospital-only plans and several comprehensive packages that combine both hospital and extra coverage. This variety allows members to choose coverage based on their specific healthcare needs.
Does Australian Unity offer international coverage?
Yes, Australian Unity offers international medical cover and travel benefits, which are included in selected comprehensive plans, providing peace of mind for those traveling abroad.
How can I access my health insurance information and manage claims?
Members can easily manage their health insurance information and claims through the Australian Unity Health App and the online Medical Claims Portal, offering a convenient digital experience.
What is the cost range for Australian Unity Health Insurance?
The cost of Australian Unity Health Insurance plans ranges from $38.60 per fortnight to $3,172.79 per year, depending on the level of coverage selected.
Our Overall Assessment
Australian Unity Health Insurance is a strong, long-established provider offering a wide range of plans to suit various healthcare needs. With competitive pricing, comprehensive coverage options, and robust support programs for chronic illness management, Australian Unity ensures its members receive high-quality care.
The addition of international coverage and a mobile app further enhances their service offering, making them an excellent choice for those seeking flexibility and comprehensive health insurance coverage.
Australian Unity Health Insurance Plan Overview
Australian Unity Health Insurance offers a variety of plans designed to meet the diverse needs of individuals, couples, and families. With premiums ranging from affordable basic options to comprehensive coverage, these plans cater to those seeking essential hospital care to those in need of extensive coverage with extra benefits.
From emergency ambulance services to flexible excess options, Australian Unity provides a range of features tailored to your healthcare needs.
| 🔎 Plan | 💴 Premium Range AUD | 🚨 Exclusions | 🥰 Ideal For | ↪️ Gap Cover | 📌 Rebate % | 📍 Average Waiting Period | ⭐ Key Features |
| 🥇 Simple Hospital (Basic Plus) | $38.60/fortnight to $1,004.86/year | Assisted reproductive services, weight loss surgery, etc. | Singles and young couples seeking essential cover | ✅Yes | From 8.202% | 12 months for pre-existing conditions except psychiatric, rehabilitation, and palliative care | Comprehensive accident cover, unlimited emergency ambulance, hospital substitution programs |
| 🥈 Core Hospital (Bronze Plus) | $44.21/fortnight to $1,143.82/year | Cataracts, heart and vascular system, dialysis, pregnancy | Families and couples looking for mid-level hospital cover | ✅Yes | From 8.202% | Standard waiting periods; 12 months for pre-existing conditions | Unlimited emergency ambulance, gap cover scheme, health support programs |
| 🥉 Standard Hospital (Bronze Plus) | $51.79/fortnight to $1,247.55/year | Assisted reproductive services, joint replacements, pregnancy | Families with growing healthcare needs | ✅Yes | From 8.202% | 12 months for pre-existing conditions | Flexibility with excess options, accident cover for hospital admissions, private room options in some hospitals |
| 🏅 Midpoint Hospital (Silver Plus) | $60.16/fortnight to $1,563.78/year | Pregnancy and birth, cataracts, weight loss surgery | Couples and families needing wider hospital coverage | ✅Yes | From 8.202% | Standard waiting periods, 12 months for pre-existing conditions | Extensive hospital coverage, choice of doctors, hospital substitution programs |
| 🎖️ Intermediate Hospital (Silver Plus) | $65.74/fortnight to $1,708.98/year | Cataracts, joint replacements, weight loss surgery | Families and older members requiring extra hospital coverage | ✅Yes | From 8.202% | 12 months for pre-existing conditions | In-home recovery support, health support for chronic conditions, flexible excess options |
| 🥇 Value Hospital (Silver Plus) | $58.00/fortnight to $1,500.00/year | Pregnancy and birth, assisted reproductive services | Members willing to pay a co-payment to lower premiums | ✅Yes | From 8.202% | 12 months for pre-existing conditions | $100 daily co-payment, no-gap providers, hospital substitution programs |
| 🥈 Classic Hospital (Silver Plus) | $70.00/fortnight to $1,600.00/year | Pregnancy and birth, heart and vascular system | Families needing comprehensive hospital services | ✅Yes | From 8.202% | Standard waiting periods, 12 months for pre-existing conditions | Comprehensive surgical coverage, flexible doctor choice, emergency ambulance benefits |
| 🥉 Complete Hospital (Gold) | $80.00/fortnight to $3,172.79/year | None | Members seeking the highest level of coverage | ✅Yes | From 8.202% | Standard waiting periods, 12 months for pre-existing conditions | Full cover for all clinical categories, private room choice, $100 daily co-payment option |
Whether you’re looking for basic coverage or seeking a more comprehensive plan, Australian Unity Health Insurance offers flexible options that allow you to choose the level of protection that suits your lifestyle and budget. With gap cover available across most plans and a wide range of benefits, Australian Unity ensures that members receive the necessary care and peace of mind.
Frequently Asked Questions
What are the exclusions in Australian Unity’s health insurance plans?
Exclusions vary by plan, but some common exclusions include assisted reproductive services, weight loss surgery, cataracts, pregnancy, and joint replacements. Specific exclusions are listed for each plan, so it’s important to review the details before choosing a policy.
Do the health insurance plans offer gap cover?
Yes, all of Australian Unity’s health insurance plans offer gap cover, which helps reduce the out-of-pocket expenses you may incur when receiving treatment in a private hospital.
What is the average waiting period for Australian Unity’s health insurance plans?
The average waiting period is generally 12 months for pre-existing conditions (except psychiatric, rehabilitation, and palliative care). For most other treatments, waiting periods may vary, so be sure to check the specific details of the plan you’re interested in.
How much does Australian Unity’s health insurance cost?
Premiums range from as low as $38.60 per fortnight (for the Simple Hospital plan) to as high as $3,172.79 per year (for the Complete Hospital plan), depending on the level of coverage you choose.
Are there any additional features or benefits included in the health plans?
Yes, Australian Unity health insurance plans offer several benefits such as comprehensive accident cover, unlimited emergency ambulance, hospital substitution programs, flexible excess options, and access to health support programs for chronic conditions.
Our Overall Assessment
Australian Unity offers a wide range of health insurance plans, catering to different healthcare needs and budgets. Whether you’re looking for essential coverage or a comprehensive package with added benefits, there is a plan suited for singles, families, and older members. The gap cover, flexible excess options, and health support programs are strong features that make these plans appealing.
While premiums can vary significantly depending on the coverage level, Australian Unity provides extensive options with customer-centric features designed to support various healthcare needs.
Health Insurance Plans – Features and Benefits
Australian Unity offers a variety of health insurance plans designed to suit different needs and budgets. Whether you’re looking for essential coverage or comprehensive medical care, their range of plans ensures flexibility and reliability. From basic hospital cover to the highest level of protection, Australian Unity provides options that cater to singles, couples, families, and those requiring more extensive coverage.
With competitive premiums and a range of benefits, Australian Unity aims to support your health and well-being.
Simple Hospital (Basic Plus)
The Simple Hospital plan is for essential hospital coverage at an affordable rate. It provides a safety net for unexpected medical emergencies while keeping costs manageable.
| 🔎 Feature | 📌 Details |
| 📈 Unique Features | Essential coverage, in-hospital support |
| 📉 Benefits | Affordability, flexibility |
| 📊 Waiting Periods | 12 months for pre-existing conditions |
| 💹 Exclusions | Weight loss surgery assisted reproductive services |
| 💱 Key Aspects | Basic hospital cover, ambulance transport |
| 💰 Premiums | $38.60/fortnight, $83.72/month, $251.16/quarter, $1,004.86/year |
Core Hospital (Bronze Plus)
The Core Hospital plan provides enhanced coverage with more services than the Simple Hospital plan. This plan is ideal for those who want more comprehensive care while being budget-conscious.
| 🔎 Feature | 📌 Details |
| 📈 Unique Features | Enhanced hospital cover, a wider range of services |
| 📉 Benefits | Comprehensive, reliable |
| 📊 Waiting Periods | 12 months for pre-existing conditions |
| 💹 Exclusions | Cataracts, pregnancy, heart and vascular conditions |
| 💱 Key Aspects | Bronze level cover, private room options available |
| ⭐ Premiums | $44.21/fortnight, $95.69/month, $287.07/quarter, $1,143.82/year |
Standard Hospital (Bronze Plus)
The Standard Hospital plan expands on the benefits of the Core Hospital plan, offering decent hospital coverage with additional services. This plan is suitable for families with different healthcare needs.
| 🔎 Feature | 📌 Details |
| 📈 Unique Features | Strong hospital cover with added services |
| 📉 Benefits | Value, security |
| 📊 Waiting Periods | 12 months for pre-existing conditions |
| 💹 Exclusions | Joint replacements, assisted reproductive services |
| 💱 Key Aspects | Coverage for a wider range of surgeries |
| ⭐ Premiums | $51.79/fortnight, $112.10/month, $336.30/quarter, $1,247.55/year |
Midpoint Hospital (Silver Plus)
The Midpoint Hospital plan offers comprehensive hospital and medical coverage, making it an excellent choice for individuals and families who need a broader range of services.
| 🔎 Feature | 📌 Details |
| 📈 Unique Features | Comprehensive hospital and medical cover |
| 📉 Benefits | Thorough, adaptable |
| 📊 Waiting Periods | 12 months for pre-existing conditions |
| 💹 Exclusions | Pregnancy-assisted reproductive services |
| 💱 Key Aspects | Silver-level benefits cover most hospital services |
| ⭐ Premiums | $60.16/fortnight, $130.36/month, $391.08/quarter, $1,563.78/year |
Intermediate Hospital (Silver Plus)
The Intermediate Hospital plan provides coverage with extensive health services, catering to families and individuals who require comprehensive medical support.
| 🔎 Feature | 📌 Details |
| 📈 Unique Features | Broad coverage with extensive health services |
| 📉 Benefits | Robust, complete |
| 📊 Waiting Periods | 12 months for pre-existing conditions |
| 💹 Exclusions | Cataracts, weight loss surgery |
| 💱 Key Aspects | Extensive hospital cover, supports a variety of procedures |
| ⭐ Premiums | $65.74/fortnight, $142.83/month, $428.49/quarter, $1,708.98/year |
Value Hospital (Silver Plus)
The Value Hospital plan is affordable while offering comprehensive coverage, appealing to those who prefer a co-payment option to lower premiums.
| 🔎 Feature | 📌 Details |
| 📈 Unique Features | Affordable coverage with a co-payment option |
| 📉 Benefits | Cost-effective, comprehensive |
| 📊 Waiting Periods | 12 months for pre-existing conditions |
| 💹 Exclusions | Pregnancy, joint replacements |
| 💱 Key Aspects | $100 daily co-payment for certain services |
| ⭐ Premiums | $58.00/fortnight, $125.68/month, $377.04/quarter, $1,500.00/year |
Complete Hospital (Gold)
The Complete Hospital plan represents the highest level of coverage offered, designed for the best medical services and minimal out-of-pocket expenses.
| 🔎 Feature | 📌 Details |
| 📈 Unique Features | Highest level of hospital coverage |
| 📉 Benefits | Comprehensive, inclusive |
| 📊 Waiting Periods | 12 months for pre-existing conditions |
| 💹 Exclusions | None |
| 💱 Key Aspects | $100 daily co-payment, covers all clinical categories |
| ⭐ Premiums | $80.00/fortnight, $173.33/month, $520.00/quarter, $3,172.79/year |
Frequently Asked Questions
What is covered under the Simple Hospital (Basic Plus) plan?
The Simple Hospital plan offers basic hospital coverage with essential services, including accident coverage and ambulance transport. It is ideal for those seeking affordable coverage for unexpected medical emergencies.
How much does the Core Hospital (Bronze Plus) plan cost?
Premiums for the Core Hospital plan start at $44.21 per fortnight, which amounts to $1,143.82 per year. This plan provides a wider range of services and enhanced hospital coverage.
Are there any exclusions in the Standard Hospital (Bronze Plus) plan?
Yes, the Standard Hospital plan excludes joint replacements and assisted reproductive services. It offers coverage for a wider range of surgeries compared to the Core Hospital plan.
What are the waiting periods for the Midpoint Hospital (Silver Plus) plan?
The Midpoint Hospital plan has a 12-month waiting period for pre-existing conditions. For most other services, the waiting periods are standard, making it a reliable option for those seeking comprehensive coverage.
Does the Complete Hospital (Gold) plan cover all medical conditions?
Yes, the Complete Hospital plan offers the highest level of coverage, with no exclusions. It covers all clinical categories and provides additional benefits like a $100 daily co-payment.
Our Overall Assessment
Australian Unity’s health insurance plans offer a wide range of options for different needs and budgets. From essential hospital coverage in the Simple Hospital plan to the highest level of coverage in the Complete Hospital plan, there’s something for everyone. Each plan comes with specific benefits and waiting periods, ensuring flexibility for different medical needs. Whether you’re looking for an affordable basic plan or comprehensive coverage, Australian Unity offers a variety of solutions with a focus on customer support and value for money.
Australian Unity Health Insurance Hospital and Extra Benefits
Here’s a list of Australian Unity Health Insurance’s Hospital and Extras packages:
| 🥇 Package Name | 🥈 Hospital Plan | 🥉 Extras Plan |
| 📈 Care’ n’ Repair (Basic Plus) | Simple Hospital (Basic Plus) | N/A |
| 📉 Simple Hospital (Basic Plus) and Easy Extras | Simple Hospital (Basic Plus) | Easy Extras |
| 📊 Simple Hospital (Basic Plus) and Focus Extras | Simple Hospital (Basic Plus) | Focus Extras |
| 💹 Simple Hospital (Basic Plus) and Freedom Extras | Simple Hospital (Basic Plus) | Freedom Extras |
| 💱 Simple Hospital (Basic Plus) and Top Extras | Simple Hospital (Basic Plus) | Top Extras |
| 📈 Essential Choice (Bronze Plus) | N/A | N/A |
| 📉 Core Hospital (Bronze Plus) and Easy Extras | Core Hospital (Bronze Plus) | Easy Extras |
| 📊 Core Hospital (Bronze Plus) and Focus Extras | Core Hospital (Bronze Plus) | Focus Extras |
| 💹 Core Hospital (Bronze Plus) and Freedom Extras | Core Hospital (Bronze Plus) | Freedom Extras |
| 💱 Core Hospital (Bronze Plus) and Top Extras | Core Hospital (Bronze Plus) | Top Extras |
| 📈 Standard Hospital (Bronze Plus) and Easy Extras | Standard Hospital (Bronze Plus) | Easy Extras |
| 📉 Standard Hospital (Bronze Plus) and Focus Extras | Standard Hospital (Bronze Plus) | Focus Extras |
| 📊 Standard Hospital (Bronze Plus) and Freedom Extras | Standard Hospital (Bronze Plus) | Freedom Extras |
| 💹 Standard Hospital (Bronze Plus) and Top Extras | Standard Hospital (Bronze Plus) | Top Extras |
| 💱 Advantage Choice Combination (Silver Plus) | N/A | N/A |
| 📈 Midpoint Hospital (Silver Plus) and Easy Extras | Midpoint Hospital (Silver Plus) | Easy Extras |
| 📉 Midpoint Hospital (Silver Plus) and Focus Extras | Midpoint Hospital (Silver Plus) | Focus Extras |
| 📊 Midpoint Hospital (Silver Plus) and Freedom Extras | Midpoint Hospital (Silver Plus) | Freedom Extras |
| 💹 Midpoint Hospital (Silver Plus) and Top Extras | Midpoint Hospital (Silver Plus) | Top Extras |
| 💱 Value Hospital (Silver Plus) with $100 Co-Payment and Easy Extras | Value Hospital (Silver Plus) | Easy Extras |
| 📈 Value Hospital (Silver Plus) with $100 Co-Payment and Focus Extras | Value Hospital (Silver Plus) | Focus Extras |
| 📉 Value Hospital (Silver Plus) with $100 Co-Payment and Freedom Extras | Value Hospital (Silver Plus) | Freedom Extras |
| 📊 Value Hospital (Silver Plus) with $100 Co-Payment and Top Extras | Value Hospital (Silver Plus) | Top Extras |
| 💹 Classic Hospital (Silver Plus) with $100 Co-Payment and Easy Extras | Classic Hospital (Silver Plus) | Easy Extras |
| 💱 Classic Hospital (Silver Plus) with $100 Co-Payment and Focus Extras | Classic Hospital (Silver Plus) | Focus Extras |
| 📈 Classic Hospital (Silver Plus) with $100 Co-Payment and Freedom Extras | Classic Hospital (Silver Plus) | Freedom Extras |
| 📉 Classic Hospital (Silver Plus) with $100 Co-Payment and Top Extras | Classic Hospital (Silver Plus) | Top Extras |
| 📊 Top Choice (Silver Plus) | N/A | N/A |
| 💹 Classic Hospital (Gold) with $100 Co-Payment and Easy Extras | Classic Hospital (Gold) | Easy Extras |
| 💱 Classic Hospital (Gold) with $100 Co-Payment and Focus Extras | Classic Hospital (Gold) | Focus Extras |
| 📈 Classic Hospital (Gold) with $100 Co-Payment and Freedom Extras | Classic Hospital (Gold) | Freedom Extras |
| 📉 Classic Hospital (Gold) with $100 Co-Payment and Top Extras | Classic Hospital (Gold) | Top Extras |
Australian Unity Health Insurance offers a variety of extra plans, each designed to cater to different healthcare needs, from dental care to therapies and mental health support.
Easy Extras
No Gap Dental Network, 100% coverage for selected services, unlimited emergency ambulance, flexible physical therapies, telehealth coverage for therapies, preventive health support (quit smoking, weight loss programs), and family-focused flexibility.
Focus Extras
60% dental coverage, optical benefits, major dental (root canals, surgical extractions), chiropractic/osteopathy, podiatry, psychology, higher physical therapy limits, set benefit amounts, and telehealth support.
Freedom Extras
Comprehensive dental (major services, orthodontics), 70% sickness travel and accommodation, podiatry and orthotics benefits, school accident top-up, asthma pumps, hearing aids, devices and aids coverage, broader mental health coverage, flexibility in combining limits.
Top Extras
Set dental limits, highest orthodontic lifetime limit, 80% aids and devices, asthma pumps, non-PBS pharmacy script coverage, highest optical benefits, extended therapy coverage, and higher yearly limits for families.
No matter your requirements, there’s an Extras plan tailored to provide the coverage and flexibility you need for a healthier lifestyle.
Frequently Asked Questions
What is included in the Easy Extras plan?
The Easy Extras plan offers a range of benefits such as a No Gap Dental Network, 100% coverage for selected services, unlimited emergency ambulance, flexible physical therapies, telehealth coverage, and preventive health support for programs like smoking cessation and weight loss.
How does Focus Extras differ from other plans?
Focus Extras provides 60% dental coverage, optical benefits, major dental (including root canals and surgical extractions), chiropractic/osteopathy, podiatry, and psychology. It also includes higher physical therapy limits, set benefit amounts, and telehealth support.
What additional benefits does the Freedom Extras plan offer?
The Freedom Extras plan includes comprehensive dental coverage (including major services and orthodontics), 70% sickness travel and accommodation, benefits for podiatry and orthotics, school accident top-up, asthma pumps, hearing aids, and broader mental health coverage. There is also more flexibility in combining benefit limits.
What makes the Top Extras plan stand out?
Top Extras provides set dental limits, the highest orthodontic lifetime limit, 80% coverage for aids and devices, asthma pumps, non-PBS pharmacy script coverage, and the highest optical benefits. It also includes extended therapy coverage and higher yearly limits for families.
Our Overall Assessment
Australian Unity Health Insurance offers a variety of extra plans designed to meet diverse healthcare needs, whether you’re seeking essential dental care, comprehensive therapies, or family-focused flexibility. With options ranging from Easy Extras to Top Extras, you can find a plan that suits your specific requirements for both hospital and extras coverage.
User Reviews
🥇 Positive Experience with Extras
My Australian Unity experiences have been positive. I wear glasses and require frequent checkups, so dental and optical extras have been useful. I find it pricey, especially given my frequent claims.
— Sarah H.
🥈 Issues with Overseas Coverage
“I insured my parents visiting from abroad, yet deductions continued after the coverage was meant to be canceled. It took a long time to settle the issue, and I thought their communication was unclear.”
— Michael R.
🥉 Easy Claims, Slow Refunds
“Claim submission was straightforward. My key tool is the app, which tracks claims and benefits. I wish refund processing were faster, but it’s handy.”
— Emma T.
Australian Unity Health Insurance vs Medibank Private Health Insurance vs Bupa Private Health Insurance
| 🔎 Provider | 🥇 Australian Unity Health Insurance | 🥈 Medibank Private Health Insurance | 🥉 Bupa Private Health Insurance |
| 📈 Years in Operation | 184 years | 48 years | 77 tears |
| 📉 Average Number of Members | Approximately 280,000 | Over 4.1 million | Over 18.5 million globally |
| 📊 APRA Regulation | ✅Yes | ✅Yes | ✅Yes |
| 💹 Number of Employees | Over 7,000 | 3,220 | 26,000+ |
| 💱 Market Share | Estimated at around 3% | 26.9% | 24.9% |
| 📌 Market Coverage | Australia | Australia | Global |
| ⭐ Customer Rating | 4.2 stars | 3.5/6 | 4.2/5 |
| 🔟 Number of reviews | 1,000+ reviews | Thousands | 1,500 - 2,000 across major platforms |
| ▶️ Mobile App | The Australian Unity Health App | My Medibank App | MyBupa App |
| 💴 Premium Range (AUD) | From $38.60 per fortnight to $3,172.79 per year | From $19.83 per week up to $2,910 per year | $17.98/week to $3,074.18/year depending on plan |
| 🌎 International Travel Benefit | Under specific plans | Available through various insurance plans | Covered through international policies |
| ↪️ Market Capitalisation | Not publicly available | Approximately AUD 10.16 billion | Not publicly listed |
| 💖 Unique Features | Hospital Substitution Programs, Health Support Programs, Chronic Illness Benefits, Screening and Prevention Programs, comprehensive hospital and extra coverage options | GapCover, 24/7 nurse and mental health support, Better Minds program, comprehensive travel insurance options | Dental checkups, gap cover scheme, Members First hospitals |
Advantages of Using Australian Unity Health Insurance
Australian Unity Health Insurance offers flexible plans tailored to various health needs and budgets. Members benefit from personalized support, a wide network of healthcare providers, and proactive wellness programs.
As a mutual organization, they focus on community well-being, clear communication, and continuous feedback to improve services.
Gap Cover
Gap cover is an essential component of health insurance that can help members reduce expenses for members when accessing healthcare services not covered by health insurance.
Australian Unity Health Insurance offers gap cover as part of its commitment to providing comprehensive healthcare solutions. Here is a detailed overview of the gap cover options available through Australian Unity Health Insurance:
| 🔎 Gap Cover Option | 📌 Details |
| 📈 Unique Features | Covers excess charges not paid by health insurance |
| 📉 Benefits | Financial relief, improved access to specialists |
| 📊 Eligibility | Available for members with hospital cover plans |
| 💹 Services Covered | Inpatient services, surgeries, specialist consultations |
| 💱 Limits | Coverage limits apply depending on the provider |
| 💰 Co-payment Details | Might require co-payments for certain treatments |
| ⭐ Premium Implications | Gap cover is included without additional premiums for most plans |
Frequently Asked Questions
What is Gap Cover in Australian Unity Health Insurance?
Gap cover helps members reduce out-of-pocket expenses for healthcare services not fully covered by health insurance, such as excess charges from specialists or surgeries.
Is Gap Cover available for all Australian Unity Health Insurance members?
Gap cover is available for members with hospital cover plans, providing financial relief for excess charges during inpatient services, surgeries, and specialist consultations.
Are there any co-payments required for Gap Cover?
While gap cover helps reduce costs, some treatments may still require co-payments depending on the provider and the specific service.
Does Gap Cover come with an additional premium?
For most Australian Unity Health Insurance plans, gap cover is included without any additional premium charges, ensuring members benefit without extra cost.
Our Overall Assessment
Australian Unity Health Insurance’s gap cover offers significant financial relief for members by covering excess charges not paid by insurance, making healthcare more affordable. With no additional premium for most plans, it’s an excellent choice for those looking for comprehensive healthcare coverage with minimal out-of-pocket expenses.
App Features
The Australian Unity Health Insurance app offers convenient features like a digital health card, claim tracking, wellness resources, appointment management, and easy customer support access. It’s designed to simplify healthcare management for members.
Frequently Asked Questions
What can I do with the Australian Unity Health Insurance app?
The app allows you to view your digital health card, track claims, manage appointments, and access wellness resources.
How do I submit claims through the app?
Simply take a photo of receipts and relevant documents, then submit them directly from the app for quick processing.
Does the app provide health resources?
Yes, the app offers personalized articles, tips, and tools to help you make informed health decisions and promote wellness.
Can I get customer support through the app?
Yes, the app includes an easy way to contact customer support for any questions or assistance.
Our Overall Assessment
The Australian Unity Health Insurance app is a convenient tool that enhances the overall healthcare experience by offering easy access to claims, appointments, support, and wellness resources, making it a must-have for members.
How to apply for Health Insurance with Australian Unity Health Insurance
To apply for Health Insurance through Australian Unity Health Insurance, you must:
1. Step 1: Evaluate Your Health Needs
Assess your health requirements and those of your family, including factors like age, pre-existing health conditions, and future treatment needs.
2. Step 2: Review Available Plans
Visit the Australian Unity website to explore the various health insurance plans. Pay attention to the features, benefits, and exclusions of each plan.
3. Step 3: Get a Quote
Use the online quote tool on the website. Enter details such as age, location, and desired coverage to get personalized premium estimates that suit your budget.
4. Step 4: Prepare Required Documents
Gather necessary documents like identification, proof of address, and any health-related information before starting the application process.
5. Step 5: Complete the Application
Fill out the online application form with accurate information. Double-check your details to ensure no discrepancies before submitting.
6. Step 6: Review Confirmation
After submitting, review the confirmation page to ensure all information is correct. Save a copy of your application for your records.
7. Step 7: Processing and Approval
Australian Unity will process your application and may contact you for additional information. Once approved, you’ll receive your membership details and health insurance card.
After receiving your membership information, familiarize yourself with your plan’s specifics, including waiting periods, exclusions, and how to submit claims.
How to apply for Gap Cover with Australian Unity Health Insurance
Applying for gap coverage with Australian Unity Health Insurance is a straightforward process, but it’s important to follow these steps carefully to ensure that you have the coverage you need.
1. Step 1: Check Eligibility
Ensure that you are eligible for gap cover, which is available to members with a relevant hospital cover plan with Australian Unity. Review your current policy to verify that it includes gap cover options.
2. Step 2: Collect Required Information
Gather details about your existing health insurance plan and any upcoming medical treatments that you may need. This will help you when applying for gap cover.
3. Step 3: Contact Customer Support
If you have any questions or need help understanding the specifics of the gap cover, reach out to Australian Unity’s customer support. They can provide personalized guidance based on your needs.
4. Step 4: Apply Through the App or Website
Depending on your circumstances, you may be able to apply for gap cover directly via the Australian Unity app or website. If it’s unavailable online, you can contact customer support to complete the application.
5. Step 5: Prepare Any Required Documents
If your application requires documentation—such as proof of your health insurance plan or medical referrals—make sure to have these ready for a smooth application process.
6. Step 6: Receive Confirmation
After submitting your application for gap cover, Australian Unity will send you a confirmation regarding the status of your application.
7. Step 7: Review Terms and Conditions
Once approved, take time to review the terms and conditions of your gap cover. Familiarize yourself with covered services, limits, and how to access the benefits when you seek treatment.
By following these steps, you can easily apply for and start enjoying the benefits of gap cover.
How to Submit a Claim with Australian Unity Health Insurance
Submitting a claim with Australian Unity Health Insurance is easy; just follow these steps:
1. Step 1: Collect Relevant Documents
Before starting your claim, gather all necessary documents such as invoices, receipts, and referral letters from your healthcare provider.
2. Step 2: Log Into the Member Portal
Access the Australian Unity Health Insurance member portal via the website or mobile app.
3. Step 3: Navigate to the Claims Section
Once logged in, go to the claims section and select the type of claim you wish to submit.
4. Step 4: Complete the Online Claim Form
Fill out the online claim form with the necessary details, including services received, treatment dates, and the total amount claimed.
5. Step 5: Upload Supporting Documentation
Upload the required documents, such as invoices or receipts, to support your claim submission.
6. Step 6: Review Your Submission
Double-check all the information you’ve entered. Make sure the details are accurate and complete before finalizing the submission.
7. Step 7: Submit Your Claim
Once you’re confident everything is correct, click the submit button to send your claim.
8. Step 8: Track Your Claim
After submission, you can track the status of your claim using the member portal or app.
9. Step 9: Claim Outcome Notification
Australian Unity will notify you of the claim outcome via email or through the member portal. If approved, you’ll see the payment details reflected in your account.
Following these steps will help you submit your claim accurately and track its progress easily.
How to Downgrade My Plan with Australian Unity Health Insurance
Downgrading your health insurance plan with Australian Unity can be essential if you want to adjust your coverage based on changing needs or financial situations. Here’s how to navigate the downgrading process:
1. Step 1: Review Your Current Plan
Assess your existing coverage and determine which aspects may no longer be necessary for your needs.
2. Step 2: Explore Available Plans
Research the available plans offered by Australian Unity to see which one best suits your adjusted needs and budget.
3. Step 3: Contact Customer Service
Reach out to Australian Unity’s customer service team. Discuss your intention to downgrade and ask about the impact on coverage, waiting periods, and premiums.
4. Step 4: Follow Customer Support’s Guidance
If you decide to proceed, customer support will guide you through the necessary steps to complete the downgrade.
5. Step 5: Review Your New Plan
Once your downgrade is processed, take time to review the new plan’s premiums and coverage details.
6. Step 6: Consider Potential Changes
Be aware that downgrading may limit access to certain services or benefits that were previously available.
Downgrading your plan with Australian Unity can provide a more cost-effective solution as long as you carefully assess your needs.
How to Submit a Compliment or Complaint with Australian Unity Health Insurance
To submit feedback to Australian Unity, first determine whether you’re submitting a compliment or a complaint. Gather relevant details, such as your membership number, the incident or experience, the date and time, and the names of any involved staff members.
You can contact Australian Unity’s customer service through various channels: by calling their customer support hotline for immediate assistance, sending an email outlining your feedback, or using the member portal to submit it directly. When drafting your feedback, be clear and concise, accurately describing the issue for complaints or highlighting what impressed you for compliments.
If you’d like a response, make sure to mention it in your message. Keep a copy of your submission, including any reference numbers, and allow time for Australian Unity to respond.
How to Switch My Health Insurance to Australian Unity Health Insurance
Switching your health insurance to Australian Unity Health Insurance is a simple process. Here’s a step-by-step guide to help you make the switch with ease:
1. Step 1: Review your existing health insurance plan to understand the coverage, premiums, waiting periods, and exclusions associated with it. Visit the Australian Unity website to explore the various health insurance plans available, paying attention to their features, benefits, and costs.
2. Step 2: Contact Australian Unity’s customer support for guidance, especially if you have any questions about switching plans.
3. Step 3: If you have existing coverage with waiting periods, verify if similar conditions apply to your new plan with Australian Unity.
4. Step 4: Prepare necessary documents such as proof of identity, current policy details, and any relevant medical information.
5. Step 5: Complete the application form for the health insurance plan of your choice with Australian Unity. After your application is approved, cancel your existing health insurance policy. Take note of the effective date for your new coverage with Australian Unity.
6. Step 6: Set up automatic payments for your premiums, if applicable, after confirming your new plan’s details.
Once switched, familiarize yourself with your new plan’s features, benefits, and the process for submitting claims.
Australian Unity Health Insurance Pet Cover
Australian Unity Health Insurance has comprehensive pet cover plans for pet owners. Understanding that pets are part of the family, this coverage focuses on ensuring that companions receive the best possible care without the financial stress that can accompany vet fees.
The pet cover includes options that cater to cats and dogs, covering essential veterinary services, treatments, and preventive care. Below are the details regarding the plans and coverage options available through Australian Unity:
| 🔎 Plan Name | 💷 Annual Benefit Limit | 💜 Coverage | 💶 Consultation Sub-limit | 📌 Optional Benefits | 📍 Waiting Period |
| 🐶 Silver | Up to $20,000 | Specified injuries and illnesses | $500 | Routine Care Option | 0-21 days |
| 🐱 Gold | Up to $20,000 | Specified injuries and broader illnesses | $500 | Routine Care Option | 0-21 days |
| 🐾 Platinum | Up to $30,000 | Comprehensive injury and illness cover | Up to benefit limit | Routine Care Option | 0-21 days |
Key Benefits of pet insurance
Up to 80% Reimbursement
Receive up to 80% back on eligible veterinary expenses, offering peace of mind during costly medical events.
Choice of Excess
Flexible options allow you to choose $0, $250, or $500 per condition, per policy period.
GapOnly® Claims
Reduce upfront costs by paying only the gap amount not covered by the policy on eligible claims.
Discount for Members
Existing Australian Unity members can receive a 5% discount on pet insurance policies.
Routine Care (Optional Extra)
Includes vaccination coverage, de-sexing, microchipping, dental illness treatment, and alternative therapies.
Emergency Boarding Coverage
Assistance for boarding costs if you are hospitalized and unable to care for your pet.
Sub-Limits for Specialised Care
Including dental illness, hip surgery, cruciate ligament conditions, and paralysis tick treatments.
Australian Unity Health Insurance Travel Insurance
Australian Unity Health Insurance offers travel insurance to members who travel domestically and internationally. This insurance offers comprehensive coverage for unexpected situations. Here’s an overview of what you can expect:
| 🔎 Feature | 📌 Details |
| 📈 Medical Coverage Abroad | Covers emergency medical treatments, hospital stays, surgeries, and physician consultations overseas. Includes 24/7 emergency assistance |
| 📉 Cancellation and Disruption Cover | Reimburses prepaid travel expenses if trips are canceled or interrupted for covered reasons like illness or natural disasters. Covers additional accommodation and travel expenses due to flight disruptions |
| 📊 Luggage and Personal Belongings | Compensation for lost, stolen, or damaged luggage and personal items. Includes delayed luggage cover for essential purchases |
| 💹 Accidental Death and Disability | Provides lump-sum payments in case of accidental death or permanent disability while traveling |
| 💱 Travel Delay and Rescheduling | Covers additional costs for meals, accommodation, and alternative transport due to significant travel delays |
| 📈 Rental Car Excess Coverage | Reimburses excess payable on a rental car insurance policy for accidental damage to rental vehicles |
| 📉 Personal Liability Protection | Liability coverage for legal costs and compensation if the policyholder causes injury to others or damages property while traveling |
| 📊 Optional Adventure Activities | Optional cover for high-risk activities like skiing and scuba diving, ensuring protection during extreme adventures |
| 💹 Flexible Plans and Customization | Allows for tailoring the plan to include additional coverage based on the destination, nature of the trip, and individual needs |
Australian Unity Health Insurance Corporate Responsibility
Australian Unity demonstrates a strong commitment to corporate responsibility through its Community & Social Value (CSV) Framework, which measures the impact of its activities on health, financial security, and community well-being. The company supports Aboriginal and Torres Strait Islander communities with economic and social inclusion programs and is involved in Australia’s first sustainability-linked loan, which incentivizes increased community value.
Australian Unity also collaborates with local organizations to promote literacy, mental health, and financial inclusion, and tracks the wellbeing of Australians through its Wellbeing Index, contributing valuable data to enhance national health strategies.
Australian Unity Health Insurance Regulation
Private health insurance in Australia is regulated by the Australian Prudential Regulation Authority (APRA) and the Australian Competition and Consumer Commission (ACCC). Australian Unity Health Insurance is a member of APRA under the registered name Australian Unity Health Limited (ACN 087 648 888). The primary regulatory framework is outlined in the Private Health Insurance Act 2007, with APRA and ACCC overseeing financial stability, fair pricing, and member protection.
APRA monitors insurers’ solvency through risk assessments, while the ACCC ensures transparent pricing and safeguards consumers against unfair practices.
Australian Unity Health Insurance Awards and Recognition
Australian Unity has received multiple awards and recognitions, including the Roy Morgan Private Health Insurer of the Year (Retail) 2023, the Finder Customer Satisfaction Awards 2024, and a Sustainability-Linked Loan Achievement.
Australian Unity Health Insurance Customer Support and Contact Details
Australian Unity Health Insurance offers responsive and accessible customer support through various channels to address a range of inquiries and services. Members can contact support via a centralized helpline, where knowledgeable representatives assist with policies, claims, and general membership queries. Self-service options are available through the online member portal, allowing members to manage accounts, submit claims, and access policy information.
For corporate clients or more complex issues, dedicated account managers and specialized teams are on hand. Additional support resources include FAQs, downloadable forms, and guides on the website.
Customer Service Helpline
Phone: 13 29 39 (Australia), Hours: Mon-Fri, 8:30 am to 6 pm (AEST)
International Support
Phone: +61 3 8682 7600 or 1300 899 739, Hours: Mon-Fri, 8:30 am – 6 pm (AET)
Member Portal
In-Person Assistance
Available at branches across Australia, hours vary.
Online resources also provide FAQs, forms, and helpful guides.
Australian Unity Health Insurance Rebates and Discounts
Australian Unity provides different rebates and discounts to help members save on expenses. Here’s what they offer:
| 🔎 Rebate or Discount | 📌 Description |
| 📈 Government Rebate | A tiered rebate offering between 8.202% and 32.812% off premium costs |
| 📉 Family Discounts | Discounts for families and single parents |
| 📊 Direct Debit Discount | A small percentage off premiums when members opt for direct debit payment methods |
| 💹 Multi-Policy Discount | Savings when members bundle multiple insurance products |
| 💱 No Claim Bonus | Premium reductions for members who maintain policies without making claims over a certain period |
| ⭐ Senior Member Benefits | Additional discounts and benefits for senior members |
Australian Unity Health Insurance Additional Health Services and Products
Australian Unity goes beyond traditional health insurance by offering personalized health support programs for chronic disease management, mental health care, and lifestyle guidance. Their Chronic Disease Management Programs help members manage and prevent chronic conditions. Mental Health Support Services provide counseling and resources to enhance member well-being.
Dental Care Services offers comprehensive care through Australian Unity dental centers, while Optical Products and Services provides discounts on prescription glasses and related products. For those needing extra assistance, Home and Aged Care Services offer specialized care packages.
Australian Unity also supports Community Health Initiatives, promoting healthy lifestyles and community involvement.
Pros and Cons
| ✅ Pros | ❌ Cons |
| Australian Unity offers a few insurance plans for singles, families, couples, and single parents | In-person support is limited in some regions |
| Includes additional services like chronic disease management programs, mental health support, and dental services | Complex benefit structures and eligibility criteria |
| Offers direct debit and multi-policy savings alongside government rebates | Cost variations between different plans are significant |
| Members can access multiple contact methods and support options | Frequent changes in policies or premium rates |
In Conclusion
Australian Unity Health Insurance offers a range of hospital and extra plans with benefits like unlimited emergency ambulance coverage and accident protection. However, the complexity of plan details and exclusions can be challenging to navigate. While chronic illness programs and flexible hospital options are positives, varying premiums and waiting periods require careful consideration. Customer feedback highlights strong preventive care initiatives but concerns about unclear communication and policy changes. Overall, Australian Unity provides valuable features and support, but members must stay informed to fully benefit from its offerings.
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Frequently Asked Questions
What does Australian Unity Health Insurance provide?
Australian Unity provides hospital and supplemental coverage. Members can choose from a few coverage choices according to their health requirements and preferences.
Can I choose my provider through Australian Unity?
Yes, members can select their preferred provider from the No-Gap network for dentistry and other treatments.
Does Australian Unity provide coverage for weight-loss surgeries?
Yes, depending on the policy and waiting periods, a few health insurance plans cover weight loss operations such as gastric banding and bypass.
How does the excess affect Australian Unity’s policies?
Members pay a predetermined extra (the excess) for their initial hospital stay each year, with the option of waiving the excess if an accident happens, depending on the policy.
