Extras treatments include things like dental, optical, physiotherapy, remedial massage and acupuncture.
Not sure which extras you can claim on or how much you can claim? Log into your account or check your Fact Sheet to find out what’s included for your cover.
Any benefit will be paid into your nominated bank or credit union account in 3 or more business days.
Unless you can claim on the spot, you'll need to provide evidence to support your claim. For extras claims, we need to see an itemised invoice for the service you received. It cannot be more than 2 years old.
The invoice must include:
For some claims - including preventative health, sickness travel and accommodation benefits, and items like orthotics or TENS machines—you may need to provide different documentation to support your claim.
See what's required:
If your extras provider has a HICAPS or CSC machine, simply swipe your Australian Unity membership card on the spot.
Once your claim is authorised, you simply pay any difference between the Australian Unity benefit and your provider’s fee.
The hospital procedures (including day surgeries) that you can claim on will vary depending on your level of cover.
Not sure which hospital procedures you can claim on? Log into your account or check your Fact Sheet to view details about your health cover.
Before booking treatment, you should contact us to ask about the benefits you can expect to receive and any out-of-pocket expenses you might incur.
You shouldn’t be charged for accommodation or theatre fees (or prosthesis, if needed) if you’re “Covered” for your procedure at that hospital (your Fact Sheet will tell you which treatments are “Covered” and at which type of hospital); and you’ve completed any applicable waiting periods.
In most cases, the hospital will bill Australian Unity directly. You’ll only receive an invoice if an excess or co-payment applies to your cover (and you haven’t already paid it). If you do happen to receive an invoice for the full amount, please call us on 13 29 39.
If your procedure is “Covered” but is in a “non-agreement” private hospital or a private room of a public hospital, you may incur large out-of-pocket costs. This may include theatre fees, intensive or coronary care costs and accommodation. If your cover provides for “Restricted” benefits, Australian Unity will only pay the basic default benefit[1] for your accommodation and prosthesis (if needed). You will not be covered for any other accommodation and theatre fee costs relating to your procedure, and may incur large out-of-pocket costs. For medical costs, see below.
For any charges not covered by Australian Unity, you will need to contact the hospital and confirm how to pay.
The way you claim the bills from your surgeons and other doctors will vary depending on whether they’re participating in Australian Unity’s Gap Cover scheme.
If your policy includes Gap Cover - and your doctor agrees to participate in the scheme for your procedure—they should deal directly with Medicare and Australian Unity. You should only receive an invoice from them if there are out-of-pocket costs (which can still arise, depending on how much your doctor charges). These costs are not covered by Australian Unity. It’s the responsibility of your treating doctor and hospital to advise you of potential out-of-pocket costs before you’re admitted into hospital. If they don’t provide an estimate of those costs, it is your right to ask for informed financial consent.
If your doctor isn’t participating in Gap Cover, you’ll receive an invoice from them. You can either claim your Australian Unity benefits through Medicare or come to us. Either way, you’ll still need to go to Medicare first.
Option 1: Claim through Medicare
You can submit a Medicare Two-way claim form to Medicare. If payable, Medicare will process its part of the claim and organise payment to you. Medicare will then forward the details to Australian Unity so we can process our part of the claim. We’ll make any payment into your nominated bank or credit union account.
Option 2: Claim through Australian Unity
App or online
Mail or email
If you’re sending documents by mail, please send us copies and keep the originals for your own records.
If you have questions or need help submitting your claim, call Australian Unity:
1800 807 144
Monday to Friday, 8:30am to 5pm AEST/AEDT