Your price

Providing the following information will help us calculate the price that you would need to pay for your health cover.

My personal details:

My required cover type
I live in
My date of birth
My partner’s date of birth

My income information:

Please enter your income to show pricing inclusive of the Australian Government Rebate (AGR) or select ‘No Rebate’ for no AGR.

 The Australian Government Rebate on private health insurance helps make private health cover more affordable. Your rebate is determined by your income and your age if you are 65 years or over. You can receive your rebate as a reduction to your price or as a rebate on your tax return. 

By providing your estimated income range, we will provide a price for your health cover that includes the Australian Government Rebate. For more information click here.

Estimated annual income range is
If you have dependent children, your income threshold for the rebate increases by $1,500 for each child after the first. To determine whether your child is a dependent for tax purposes or if you want more information about your rebate entitlements or eligibility, please contact your registered tax agent or visit the ATO website.
Please select an annual income range.

My insurance history:

Please answer these questions about your history of holding private hospital cover to help us determine whether a Lifetime Health Cover loading will apply to your price.

The Australian Government’s Lifetime Health Cover (LHC) loading may impact the price you pay for the private hospital part of your health cover.

If you (or if applicable your partner) did not hold private hospital cover continuously for the last 10 years; or on the 1st of July following your 31st birthday; you pay 2% extra, plus an extra 2% for every year after this date you didn’t have it. For more information on the Lifetime Health Cover (LHC) loading click here.

I have held private hospital cover continuously for the previous 10 years, or since turning 31 years old.
My partner has held private hospital cover continuously for the previous 10 years, or since turning 31 years old.

*If you tick this option, the price we show will not include any Lifetime Health Cover loading (LHC). Any applicable LHC loading will be confirmed once we receive a Transfer Certificate from your previous insurer.

Unable to process your request at this point in time, please try again later.

Need help? Call one of our health insurance experts on 13 29 39

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Price based on :

Singles cover in VIC. I'm Under 65 with an income $90,000 or less and assumes a 0% Lifetime Health Cover loading, Rebate Tier 0 and a 4% discount for direct debit.

Choose your Hospital & Extras cover

Cover requirements
Cover requirements
Compare 8 products
Key:
Covered
Hospital - For the meaning of 'Covered' refer to Hospital product Fact Sheet. Extras - Benefits paid under your cover up to specified yearly limits, per person, per calendar year.
Excluded
Please refer to ‘Understanding your Hospital cover’ section below.
Restricted
Please refer to ‘Understanding your Hospital cover’ section below.
Cover for day procedures
Covered for day procedures. Restricted for overnight stays. Refer to product Fact Sheet for more information.
* Assumes a 4% discount for direct debit and 0% aged based discount. Any rebate and Lifetime Health Cover loading listed above has been factored into the price. First payment is minimum of one month.
+ Waiting periods may apply.
^ Waiting periods and yearly limits may apply.

Understanding your Hospital Cover

A waiting period is the amount of time you have to wait after joining or upgrading until you can make a claim for a service or treatment.

Excess is the additional amount you agree to pay towards accommodation costs if you need hospital treatment. Please refer to your product Fact Sheet for details about the maximum excess payable in a calendar year and any excess waivers that may apply.

A pre-existing condition is an ailment, illness or condition that in the opinion of a medical practitioner appointed by Australian Unity (not your own doctor), the signs or symptoms of that ailment, illness or condition existed at any time in the period of six months ending on the day on which you joined Australian Unity or upgraded your cover, irrespective of whether you were aware of it. If you make a hospital claim in the first 12 months of your joining or upgrading your cover, we will ask you to get your consulting doctors or other practitioner (e.g. your dentist, GP or specialist) to complete a medical report. You should ask us to carry out this assessment before going into hospital.

Accident means an unplanned and unforeseen event, occurring by chance, and leading to bodily injuries caused solely and directly by an external force or object requiring treatment from a Medical Practitioner (defined here as a medical doctor who is not the member or a relative of the Member) within 7 days of the event, but excludes injuries arising out of: surgical procedures; unforeseen illness; pregnancy; drug use; and aggravation of an underlying condition or injury.

Restricted services are hospital claims which are limited to a minimum (default) benefit. This is the minimum dollar amount set by the Australian Government for accommodation as a private patient in a shared room of a public hospital. A Restricted service does not pay any money towards the cost of intensive or coronary care, labour ward or theatre fees in a private hospital or private day centre. Therefore you may incur a large out-of-pocket expense. Contact us for more information.

If you select a hospital cover that has treatments listed as ‘Excluded’ or 'Not Covered', this means that we will not pay any benefits for the treatment you have received and this can result in you incurring large out-of-pocket costs. Always refer to your product Fact Sheet for more details about your hospital cover entitlements.

If you are admitted to hospital (including for Covered treatments) you may have out-of-pocket costs, e.g. an excess,  a ‘gap’ in your doctors’ medical bills, emergency department fees, or the additional cost of a private room in a public or non-agreement hospital. If you want more specific information about what you can expect these costs to be, we recommend you obtain a quote from your doctors/hospital before undergoing treatment. Then contact us for details of benefits before proceeding with your treatment. Additionally, benefits are not payable for claims where you have the right to claim compensation, damages or benefits from another source (e.g. TAC or WorkCover), now or at a later date.

Understanding your Extras Cover

Preventative Health Services can offer practical support to help bring about positive change in members’ lives to help you get and stay healthy. They include things like losing weight, getting fit, quitting smoking, and working with a health coach to improve your general health and wellbeing. You’ll receive personalised and practical support plus information designed to bring about positive change giving you the tools needed to enjoy a longer, healthier and happier life.

To check your eligibility, which providers and programs you are able to use and any waiting periods that may apply, please contact us on 13 29 39. More information can be found here.

Where an Extras cover is taken with Hospital cover, benefits are payable under the Hospital cover only.

Extras cover can help you get money back on common health treatments that aren’t generally covered by Medicare. You’ll get either a percentage of the cost back, or a set dollar amount, on included Extras every time you claim, until you reach your yearly limit. Therefore, you only pay the difference between what you get back from Australian Unity and the cost set by your provider.

Please call us or refer to your Member Guide and Terms & Conditions for further information on how this cover works. If you want more specific information about what you can expect your out-of-pocket costs to be, we recommend you obtain a quote from your provider before undergoing treatment, along with a list of item numbers. You can then contact us or log in to Online Member Services for details of benefits before proceeding with your treatment.

A waiting period is the amount of time you have to wait after joining or upgrading until you can make a claim for a service or treatment.

We only pay benefits when you see a recognised provider in a private practice. Please contact us to check if your provider is recognised by us. Providers recognition conditions apply.
The information on this page is a summary only. Please read the product Fact Sheet to understand the benefits, limits, restrictions, exclusions, waiting periods, pre-existing conditions and excesses that apply, and what it means to be 'Covered' including out-of-pocket costs.

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