Health Insurance

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Providing quality health insurance for 175 years

Hospital Cover

You could avoid the Medicare Levy Surcharge

If you earn over $90,000 (single) or $180,000 (couple or family), buying private hospital cover can help you avoid an extra tax called the Medicare Levy Surcharge (MLS)

The MLS adds a surcharge of between 1% and 1.5% of your income to your tax bill if you don't have private hospital cover

Ambulance cover

All Australian Unity hospital covers include emergency ambulance transportation.

Many hospital covers also provide up to two ambulance paramedic attendances per year.

You're covered in hospital and at home

Receive both hospital and rehabilitation care from the comfort of your home.

Receive short-term support from one of our approved service providers in the comfort of your own home to avoid or reduce a hospital stay, when referred by a medical practitioner.

Extras Cover

Choose your provider

Unlike some health funds who push you to their provider network, at Australian Unity you can choose to keep seeing your preferred physio, chiro or other extras provider.

With choice of provider, you can get treated by any health provider who is in private practice and is recognised by Australian Unity.

Choose how much you get back

You can choose extras cover that gives you either a set dollar amount or set percentage back on claims.

Get covered for the things that are important to you, and know in advance how much you’ll get back on claims. (Yearly limits apply.)

No need to re-serve waiting periods

We recognise the waiting periods you've already served with your previous health fund.

If you switch to an equivalent or lower level of cover with us within 30 days, you won't have to re-serve any completed waiting periods.


Why choose Australian Unity?
  • 30 day money-back guarantee on Private Health Insurance
  • Our commitment to customer service
  • iPhone and Android apps for fast claims
  • 175 years experience of providing quality health insurance
  • Choose your provider
  • You're covered Australia wide

Claiming is Easy

We make it quick and easy to get money back for your health claims

  • Swipe your membership card to claim on the spot when you visit a HICAPS (or CSC) provider.
  • Use your iPhone or Android claims app, and submit a photo of your receipt.
  • Log in to our member service portal to lodge your claim.
  • Phone us! Our claims team is here from 8:30am until 5pm EST, Monday to Friday.
  • Or if you prefer paper, you can mail or fax your claim to us.
  • Download the app
  • Apple App Store Google Play Store
  • Phone us on 1800 807 144. Our claims team is here from 9am until 5pm EST, Monday to Friday.
  • Or if you prefer paper, you can mail or fax your claim to us. Find out more >

Rewards and Discounts

You don’t have to be sick or go to the doctor to receive value from your Australian Unity membership. We provide discounts and special offers on a wide range of products and services.

  • Discounts on holidays and leisure

  • Discounts on homewares

  • Discounts on sporting gear

  • Tickets to sporting events