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Can we answer your questions? |
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What if my circumstances change?
Our health cover is tailored to your different life stages, so if your needs
change, simply call 13 29 39. Our Customer Service Team will find the
cover most suited to your current needs and budget.
Or go to health cover
and view our range for yourself.
Is my 22 year old dependant child still able to be
covered under our family health cover?
Australian Unity covers dependant children (those not married or living
in a de-facto relationship) up to the age of 23, even if they are working
full time or living out of home. In fact, if they are still studying full-time or
undertaking a trade apprenticeship, we’ll cover them up to the age of 25.
What happens if I am considering
getting pregnant but am on a hospital cover
which excludes pregnancy?
You should change your cover to a family version of one that includes
pregnancy benefits, such as Comprehensive Hospital, LifeChoice Plus™
or LifeChoice™ .*
*A 12 month waiting period applies for all
services relating to pregnancy and childbirth.
What is the Medical Gap?
The government sets a schedule of fees for treatments by
doctors in a hospital or day surgery, and Medicare covers
you for 75% of this cost. Your private health cover then picks
up the difference – the remaining 25%. However, some doctors
and specialists charge more than the scheduled fee and that
extra amount is The Medical Gap.
So what is Gap Cover?
Australian Unity’s Gap Cover* can reduce or remove your out-of-pocket
expense. We set our own schedule of fees, which is generally higher
than the government schedule. This means that when your doctor or
specialist agrees to use Australian Unity’s Gap Cover Scheme, we can
help pay some or all of the gap that can occur if your doctor’s charge
is higher than the Medicare Schedule Fee.
Gap Cover is available to all doctors who treat patients in hospitals
or day surgeries, but they don’t always have to participate. If a
doctor participates but chooses to charge out-of-pocket-expenses,
they must inform you of the extra amount in writing, before treating you.
You should always ask your doctor if they’ll be participating in the
Australian Unity Gap Cover Scheme.
* Gap Cover is not available under Basic
Hospital cover and Healthy Travel and does not apply to illnesses or
conditions that are specifically excluded from some health covers.
What are Agreement Hospitals?
Most private hospitals and day facilities have agreements with
Australian Unity, which guarantees that you’re covered for 100%
of accommodation and most other services like theatre fees.
(Of course, this doesn’t include any excess on your chosen cover.)
View Agreement Hospitals
Do I need Ambulance cover or not?
Emergency Ambulance cover is included as part of your hospital
cover with the exception of Basic Hospital Cover.
If you live in NSW or the ACT and decide against having Hospital
cover, then you may decide to take out a separate Ambulance
cover to pay the cost of non-emergency ambulance transport if
you need to be taken to hospital.
In most other States, you can purchase Ambulance cover from your
State Government Ambulance Scheme instead.
What is HICAPS and IBA HealthPoint?
HICAPS and IBA HealthPoint let you enjoy the convenience of easy,
on the spot claiming when you visit a participating dentist, optometrist,
physio, osteo, chiro or podiatrist.
HICAPS stands for the “Health Industry Claims and Payment Service”.
It’s an electronic system that effectively lets you use your Membership
Card to “pay” for a health service instead of using your own money
and then submitting a claim.
IBA HealthPoint is a similar type of system, that also lodges claims
directly with Australian Unity so that we can pay the provider for you
immediately.
Numerous providers have these facilities. You simply swipe your
membership card for instant claims processing, and then only pay
the difference between the practitioner’s fee and your Australian Unity
benefits.
How does Australian Unity protect my privacy?
The personal information Australia Unity obtains from you is collected
for the purposes of processing your application and fulfilling Australian Unity’s
obligations in developing and informing you of new products, services and
special discount offers. (This is subject to your right to opt out of receiving direct
marketing material at anytime by calling us on 13 29 39 or
email Australian Unity.)
View Australian Unity’s privacy policy
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© 2008 Australian Unity Ltd |
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