Australian Unity Health Insurance

Australian Unity is a provider of health insurance, life insurance, car insurance, travel insurance, home and contents insurance, landlord insurance, home loans, and investment products.

Australian Unity Health Insurance“Well-being is at the heart of everything we do.”

Policy Options: What Australian Unity health insurance covers

The inclusions below represent a selection of what is covered. Additional conditions may apply to different features. CANSTAR is not making any suggestion or recommendation to you about this product.  Please ensure that you read the product disclosure statement to determine all the current policy options and inclusions for the product you are considering. Hospital Only Policy

All Hospital policies include varying levels of cover for the following:

  • Emergency ambulance services
  • Hospital accommodation for day surgery, overnight stays, and special care unit (intensive care) stays
  • Theatre fees
  • Joint reconstruction surgery and investigations
  • Surgical prostheses
  • At home hospital care and rehabilitation

Hospital levels at a higher level also cover the following:

  • Joint replacement surgery for hip and knee joints (Gold Hospital only)
  • Rehabilitation
  • Sterilisation
  • Cardiac and heart-related services
  • Obstetrics, pregnancy and childbirth services
  • Eye surgery (cataracts, lenses) (Gold Hospital only)
  • Renal dialysis (Gold Hospital only)
  • Assisted reproductive services (fertility treatments) (Gold Hospital only)
  • Obesity and weight loss surgery including gastric banding (Gold Hospital only)

Levels of cover:

Premiums listed are for singles, except for family policies. Compare health insurance on our website for an Australian Unity quote specific to your situation.

  • Basic Hospital:
    Basic level hospital only / accident only cover.
  • Bronze Hospital:
    Basic level hospital cover.
  • Mid Hospital:
    Medium level hospital cover.
  • Gold Hospital:
    Top level hospital cover.

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Extras Only Policy

Levels of Extras Only cover:

  • Basic Extras:
    Annual benefits limit on extras: general and preventative dental, optical, physiotherapy, chiropractic, osteopathy, remedial massage and acupuncture, pharmacy and travel vaccinations.
  • Starter 60%:
    60% back, annual benefits limit on extras: general and preventative dental, optical, physiotherapy.
  • Bronze Extras:
    Annual benefits limit on extras: general and preventative dental, optical, physiotherapy, chiropractic, osteopathy, remedial massage and acupuncture.
  • Comprehensive Extras:
    Annual benefits limit on extras: general and preventative dental, orthodontics, optical, physiotherapy, chiropractic, osteopathy, podiatry, speech therapy, eye therapy, occupational therapy, remedial massage and acupuncture, psychology, dietary, pharmacy and travel vaccinations, naturopathy, hearing aids.

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Hospital and Extras Policy (Packaged Cover)

Hospital and Extras cover packages:

  • Basic Combination:
    Basic level hospital cover with full cover for accidents, plus extras.
    Annual benefits limit on extras: general and preventative dental, physiotherapy, chiropractic, osteopathy, remedial massage, natural therapies, dietary, podiatry.
  • Care ‘n’ Repair:
    Accident only cover plus extras.
    Annual benefits limit on extras: general and preventative dental, physiotherapy and exercise physiology, remedial massage, natural therapies, dietary, occupational therapy, health aids.
  • Smart Start:
    Cover for accidents and day surgery, plus extras.
    Annual benefits limit on extras: No Gap Dental network, general and preventative dental, optical, physiotherapy, chiropractic, osteopathy, natural therapies, travel vaccinations.
  • Smart Combination:
    Medium hospital cover, plus extras.
    Annual benefits limit on extras: No Gap Dental network, general and preventative dental, crowns, optical, physiotherapy, chiropractic, osteopathy, natural therapies, remedial massage, travel vaccinations.

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Overseas Visitors (visa health insurance)

  • Covers people visiting Australia on a tourist, holiday, or working visa.

Levels of cover:

  • Basic Overseas Visitors (tourist or holiday visa):
    Basic level hospital only cover.
    Option to add extras cover for an additional cost.
  • Mid Overseas Visitors (tourist or holiday visa):
    Medium level hospital only cover.
    Option to add extras cover for an additional cost.
  • Top Overseas Visitors (tourist or holiday visa):
    Top level hospital only cover.
    Option to add extras cover for an additional cost.
  • Budget Workers (working visa):
    Basic level hospital only cover, for treatment in public hospitals only.
    Option to add extras cover for an additional cost.
  • Workers Cover Plus (working visa):
    Medium level hospital only cover, including pregnancy services and psychiatric treatment.
    Option to add extras cover for an additional cost.

Exclusions:

  • Obstetrics, pregnancy and childbirth
  • Assisted reproductive services (IVF and GIFT)
  • Transplant services
  • Psychiatric treatment

About Australian Unity: Why choose Australian Unity

Australian Unity was founded in 1840 and now has around 850,000 customers. They employ more than 2,000 people around the country. In 2014, Australian Unity celebrated its 175th anniversary. Australian Unity won the coveted CANSTAR Award for Innovation Excellent for Health Insurance in 2009.

Australian Unity is one of the 15 not-for-profit Members Own Health Funds in Australia, meaning profits are returned to members in the form of cheaper premiums.

Australian Unity members receive some great benefits:

  • Choose the health provider you like.
  • Mix and match cover to suit your needs.
  • Avoid waiting periods when you switch.
  • Retirement Living & Home Care: Australian Unity is also a provider of home care solution and retirement villages.
  • Dental centres: Find a dental centre near you.
  • Mobile Apps: Make health insurance claims on the go with the Apple or Android
  • Health support programs: Australian Unity has health support programs for bone health, diabetes management, heart health and heart failure prevention, vascular health, living with COPD lung disease, risk factor management, and integrated healthcare. You can even check your well-being in a 2-minute survey on their website to see how your confidence in life is tracking.
  • YouTube health guides: Australian Unity features exercise tutorials on their YouTube channel, and also has a well-being index series that is particularly interesting.

How Australian Unity supports the community

  • Australian Unity Foundation founded in 2006 to provide support to the community through Suited for Success (clothes for the homeless for job interviews), Hutt St Centre for the homeless in Adelaide, Community Music Victoria, Country Hope for regional families caring for children with cancer, and Women’s Legal Service Victoria for free legal advice for vulnerable women.
  • Grants for health research from the Australian Unity Foundation.
  • Sponsoring the Bryan Kelleher Literary Award for bush poetry.
  • Performances at Australian Unity retirement villages from Bell Shakespeare theatre groups and Brandenburg Orchestra.

How Australian Unity supports the environment

  • Australian Unity invests hundreds of millions of dollars in designing their new retirement villages to be sustainable, with a focus on open spaces to increase the well-being of residents.
  • Australian Unity works closely with the Department of Sustainability and Environment when making expansions to its hospitals.

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 Written by: TJ Ryan