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Depending on your level of cover, when you need elective surgery, you can avoid public hospitals and their waiting lists, by choosing to be treated at any one of more than 500 private hospitals we have an agreement with (our agreement hospitals). These private hospital agreements mean you’ll be covered depending on your level of cover, for most in-hospital charges less any incidentals and excess or copayment you may be required to pay.

Find Agreement Hospitals


If your Australian Unity hospital cover offers Gap Cover, it can reduce or remove your out-of-pocket expenses for doctors’ fees. 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 participate in Australian Unity's Gap Cover Scheme for your procedure, we will help to pay some of the gap, or the entire gap, that can occur if your doctor's charge is higher than the Medicare Benefits Schedule Fee. If Gap Cover won’t fully cover your participating doctor’s fees, your doctor must tell you how much you’ll have to pay in writing before treatment can begin. This is known as Informed Financial Consent. Any doctor who treats private patients in a hospital or day surgery can participate in Gap Cover, but not all doctors choose to do so.

Find a Gap Cover Doctor


Search the National Dental Network to find your nearest dentist, which includes Australian Unity Dental Centres, other No-Gap Dental Network providers, and HICAPS dentists who allow you to claim on-the-spot.

National Dental Network


Claim on the spot with HICAPS. Most services like dentists, chiropractors, optometrists, physiotherapists, podiatrists, occupational therapists and psychologists offer the HICAPS claims facility. You can swipe your Australian Unity Membership card to claim on the spot.

Find a HICAPS Provider


We’ve partnered with leading eye care retailers to provide our members who have Extras optical cover with some great in-store discounts!

Find an Optometrist

Preventative Health

Depending on your level of cover, you may be able to get money back on a range of services to help you improve your health such as weight loss, or quitting smoking

Find Preventative Health Services

Health Support

Depending on your level of cover, you could get access to a range of support programs provided through our health partners. Each program is designed to provide you with the support, motivation and education you need to get your life back on track mentally or physically.

Find a Health Support Program

Healthcare in the home

With a mix of nursing, physiotherapy and other allied health services, this program helps you return home from hospital sooner, or avoid an admission altogether, by providing short-term support in the comfort of your own home. Depending on your needs, we can also help you with meals and cleaning services.

Find out more about Healthcare in the home