How to get the most out of your private health insurance

Whether you have a high level of cover or just the essentials, here are our top 5 tips for making the most of your health insurance.


1. Know what you’re covered for

Knowing what you’re covered for is crucial. Health insurance, including extras, covers a wide range of services and treatments. It’s easy to forget just how many. If it’s been a while since you last read your Fact Sheet, then get to it. You may be surprised what you can claim on.

You can view your Fact Sheet via Online Member Services (your online account), by selecting ‘Account details’. It’s the second quick link. You can also access it by going to ‘Your cover’ and scrolling to the bottom of the page.

Use the ‘Get estimate’ tool, which you’ll also find under ‘Your cover’ to see what you might get back on you extras claim.

If you haven’t yet set up your online account, you can register here.


2. Know your limits and when they reset

When it comes to extras cover, use it or lose it. It’s just that simple!

It’s important you understand how much of your benefits you’ve used and how much you still have left. Our annual extras limits (the benefits you can claim each year) are reset on 1 January every year. So when it’s getting close to the end of the year, check your limits to see how much you have left to use.

By knowing when your limits reset, you can plan any treatments and really maximise your cover.

Check out your extras Product Fact Sheet so you get a clear understanding of what you can and can’t claim for on your cover.


3. Mind the gap

Our Gap Cover can reduce or remove your out-of-pocket expenses because we set our own schedule of fees, which is generally higher than the Government schedule. When your doctor or specialist agrees to use our Gap Cover Scheme, we can help to pay some or all the gap that can occur if your doctor's charge is higher than the Medicare Benefits Schedule (MBS) fee.

Gap Cover Schemes are available to all doctors who treat private patients in hospitals or day surgeries, but they don't always participate. Doctors are also free to participate in a Gap Cover Scheme on a patient-by-patient basis.

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 called Informed Financial Consent.

You should always ask your doctor if they will participate in the Australian Unity Gap Cover Scheme for your service prior to undergoing treatment. Not all covers have Gap Cover, so to check your eligibility, please review your Product Fact Sheet. You can also view Gap Cover doctors here.


4. Get a health cover check-up!

If you haven’t reviewed your private health cover in the past couple of years, it may be well worth your while to do so. Health insurance is not a one-size-fits-all proposition. Needs change depending on things like lifestyle, life stage, health issues and financial situations. In addition, there may be new features or products available that suit your circumstances better.

You can check what you’re covered for and determine if that’s still the right cover for you by visiting Online Member Services or by calling us on 1300 706 967.


5. More benefits of private health cover

As an Australian Unity member, you can get access to a wide range of rewards, discounts, programs and services designed to help you get healthy and stay healthy.

Get more value from your health insurance with Wellplan Rewards where you can save money on everyday things like groceries, petrol and movie tickets.

Or why not be rewarded for telling your friends and family about us. With Member Get Member you’ll receive a $100 gift card* every time a friend you refer joins Australian Unity and takes out Hospital, Combined Hospital and Extras, or Overseas Visitors Cover. Just make sure that they give us your details when they sign up.

If you have any other questions about the added benefits of your health cover you can email us by logging into your Online Member Services or contact us on 1300 706 967.

* Only available if the friend you refer has not held active health insurance with Australian Unity in the last 5 years (other than as a child or student dependant). Not available through intermediaries or corporate plans. Cover must be purchased through the Australian Unity call centre or website. See full terms and conditions.