Recommendation

Key

Covered

Refer to the Fact Sheet and Member Guide to understand each policy’s benefits.

Restricted

We only pay limited benefits. Large out-of-pocket expenses may apply. Refer to the Fact Sheet for more information.

Not covered

We do not pay benefits for this service. Refer to Fact Sheet for more information.

BASIC OVERSEAS VISITOR COVER

From

$ 178 ^{05
^*}

Hospital excess

This cover has a $500 excess. You will only pay an excess for the first hospital admission per person per calendar year. Plus you won’t pay an excess if your dependant is admitted to hospital.

Select the payment frequency

Monthly Quarterly Halfyearly Yearly

Select the excess

$500

Health cover designed for short-term visitors who are healthy and only need the basics

Cover includes non-student dependants aged 23 and over

View Fact Sheets

Key Features

Yearly benefit limit: $50,000 per membership for singles, $100,000 per membership for couples/families

Benefit limits listed apply on a calendar year basis
Claim 100% back for Agreement private hospital treatment
Claim 100% back for emergency ambulance transportation
Claim 60% back for Public hospital treatment
Not suitable for Visa Condition 8501 requirements

Hospital Benefits and Excluded Services

Admissions for Accidents that occurred in Australia after joining this cover

24 hour waiting period
All other treatments listed on the Medical Benefits Schedule (MBS) during hospital admission, unless listed as an Excluded Service below

2 month waiting period
Waiting period waived when you purchase Australian Unity Overseas Visitors Cover before coming to Australia, or within 2 weeks of your arrival
Rehabilitation

24 hour waiting period
For an Accident that occurred in Australia after joining this cover.

Admissions for Accidents that occurred in Australia after joining this cover

24 hour waiting period
All other treatments listed on the Medical Benefits Schedule (MBS) during hospital admission, unless listed as an Excluded Service below

2 month waiting period
Waiting period waived when you purchase Australian Unity Overseas Visitors Cover before coming to Australia, or within 2 weeks of your arrival
Rehabilitation

24 hour waiting period
For an Accident that occurred in Australia after joining this cover.
Pre-existing conditions
Psychiatric treatment
Palliative Care
Hip and knee replacements
Cataract and lens procedures
Pregnancy and birth related services
Fertility treatment and assisted reproductive services
Sterilisations and reversals
Gastric reduction and obesity procedures and revisions
Renal dialysis
Bone marrow and organ transplants
Respite/convalescent care
Medical services not listed under the Medical Benefits Scheme (MBS)

Includes surgical procedures performed by a dentist, surgical podiatrist or elective cosmetic surgery.
In-patient hospital pharmacy for non-PBS items, high cost and experimental drugs
Services related to Visa acquisition

Costs for medical examinations, x-rays, vaccinations and other treatments required that relate to acquiring a visa for entry into Australia or permanent residency visa.
Services provided outside of Australia
Services where you have the right to claim damages, compensation or benefits from another source

View benefits

Included Services
All treatments listed on the Medical Benefits Schedule (MBS) are included during a private or public hospital admission, unless listed as an Excluded Service (above) ^{^}

Agreement private hospital: accommodation and theatre fees

Excludes robotic surgery consumables unless otherwise covered for your treatment by the agreement between Australian Unity and the hospital
Public hospital: accommodation and theatre fees

Large out-of-pockets may apply in a Public hospital

60% of cost
Out-of-hospital Medical Fees (including GP visits, specialist fees, medical tests recognised by Medicare)

Please note that some doctors charge above this amount and out-of-pocket costs may apply. For details about waiting periods that apply, please see the product Fact Sheet

100% of the Medicare Benefits Schedule (MBS) fee
Emergency ambulance transportation

No waiting period
The account must be coded as emergency transportation by a recognised ambulance service to qualify for benefits.

Agreement private hospital

Agreement private hospital: accommodation and theatre fees

Excludes robotic surgery consumables unless otherwise covered for your treatment by the agreement between Australian Unity and the hospital
Medical fees (in-patient)

Out-of-pocket costs will apply if doctors charge above the MBS fee

Up to 100% of the Medical Benefits Schedule (MBS) fee
Surgically implanted prostheses

We cover you for Australian Government approved prostheses on the Australian Government's Prostheses List, up to the value stated on that List

Up to 100% of minimum cost for government approved surgically implanted prostheses
In-hospital pharmacy (PBS)

For medications listed under the Pharmaceutical Benefits Scheme (PBS) for treatment of your specific condition. Excludes non-PBS listed, high cost drugs or drugs that are non approved by the Therapeutic Goods Administration (TGA).

Up to $2,500 per membership for singles and $5,000 per membership for couples/families per calendar year

Public hospital

Public hospital: accommodation and theatre fees

Large out-of-pockets may apply in a Public hospital

60% of cost
Medical fees (in-patient)

Out-of-pocket costs will apply if doctors charge above the MBS fee

Up to 100% of the Medical Benefits Schedule (MBS) fee
Surgically implanted prostheses

We cover you for Australian Government approved prostheses on the Australian Government's Prostheses List, up to the value stated on that List

Up to 100% of minimum cost for government approved surgically implanted prostheses
In-hospital pharmacy (PBS)

For medications listed under the Pharmaceutical Benefits Scheme (PBS) for treatment of your specific condition. Excludes non-PBS listed, high cost drugs or drugs that are non approved by the Therapeutic Goods Administration (TGA).

Up to $2,500 per membership for singles and $5,000 per membership for couples/families per calendar year

Additional benefits

Out-of-hospital Medical Fees (including GP visits, specialist fees, medical tests recognised by Medicare)

Please note that some doctors charge above this amount and out-of-pocket costs may apply. For details about waiting periods that apply, please see the product Fact Sheet

100% of the Medicare Benefits Schedule (MBS) fee
Hospital accident and emergency room fees (only when preceding a hospital admission)

For details about waiting periods that apply, please see the product Fact Sheet
Emergency ambulance transportation

No waiting period
The account must be coded as emergency transportation by a recognised ambulance service to qualify for benefits.
Ambulance attendance fees (where you are not taken to hospital)

No waiting period
Benefit limits listed apply per calendar year. The account must be from a recognised ambulance service to qualify for benefits.

1 per membership for singles. 2 per membership for couples/families
Hospital Substitution Programs

Receive short-term support from our approved service providers in the comfort of your own home to avoid or reduce a hospital stay following a hospital admission, when referred by a medical practitioner. Please contact Australian Unity for information on eligibility and any waiting periods that may apply.

Subject to prior application and approval
Medical repatriation

Up to $20,000 per membership
The provision of this benefit is at the discretion of Australian Unity. We may pay up to $20,000 for medically necessary services and transportation back to your home country, such as where you have suffered a life-altering injury or become terminally ill.

Subject to approval

View benefits

MID OVERSEAS VISITOR COVER

From

$ 0 ^{00
^*}

Hospital excess

This cover has a $500 excess. You will only pay an excess for the first hospital admission per person per calendar year. Plus you won’t pay an excess if your dependant is admitted to hospital.

Select the payment frequency

Monthly Quarterly Halfyearly Yearly

Select the excess

$500

Ideal for medium to long term visitors who want access to a broad range of services

Cover includes non-student dependants aged 23 and over

View Fact Sheets

Key Features

Yearly benefit limit: $100,000 per membership for singles, $200,000 per membership for couples/families

Benefit limits listed apply on a calendar year basis
Claim 100% back for Agreement private hospital treatment
Claim 100% back for emergency ambulance transportation
Claim 80% back for Public hospital treatment
Not suitable for Visa Condition 8501 requirements

Hospital Benefits and Excluded Services

Admissions for Accidents that occurred in Australia after joining this cover

24 hour waiting period
All other treatments listed on the Medical Benefits Schedule (MBS) during hospital admission, unless listed as an Excluded Service below

2 month waiting period
Waiting period waived when you purchase Australian Unity Overseas Visitors Cover before coming to Australia, or within 2 weeks of your arrival
Rehabilitation

24 hour waiting period
For an Accident that occurred in Australia after joining this cover.

Admissions for Accidents that occurred in Australia after joining this cover

24 hour waiting period
All other treatments listed on the Medical Benefits Schedule (MBS) during hospital admission, unless listed as an Excluded Service below

2 month waiting period
Waiting period waived when you purchase Australian Unity Overseas Visitors Cover before coming to Australia, or within 2 weeks of your arrival
Rehabilitation

24 hour waiting period
For an Accident that occurred in Australia after joining this cover.
Pre-existing conditions

24 month waiting period
Psychiatric treatment
Palliative Care
Hip and knee replacements
Cataract and lens procedures
Pregnancy and birth related services
Fertility treatment and assisted reproductive services
Sterilisations and reversals
Gastric reduction and obesity procedures and revisions
Renal dialysis
Bone marrow and organ transplants
Respite/convalescent care
Medical services not listed under the Medical Benefits Scheme (MBS)

Includes surgical procedures performed by a dentist, surgical podiatrist or elective cosmetic surgery.
In-patient hospital pharmacy for non-PBS items, high cost and experimental drugs
Services related to Visa acquisition

Costs for medical examinations, x-rays, vaccinations and other treatments required that relate to acquiring a visa for entry into Australia or permanent residency visa.
Services provided outside of Australia
Services where you have the right to claim damages, compensation or benefits from another source

View benefits

Included Services
All treatments listed on the Medical Benefits Schedule (MBS) are included during a private or public hospital admission, unless listed as an Excluded Service (above) ^{^}

Agreement private hospital: accommodation and theatre fees

Excludes robotic surgery consumables unless otherwise covered for your treatment by the agreement between Australian Unity and the hospital
Public hospital: accommodation and theatre fees

Large out-of-pockets may apply in a Public hospital

80% of cost
Out-of-hospital Medical Fees (including GP visits, specialist fees, medical tests recognised by Medicare)

Please note that some doctors charge above this amount and out-of-pocket costs may apply. For details about waiting periods that apply, please see the product Fact Sheet

100% of the Medicare Benefits Schedule (MBS) fee
Emergency ambulance transportation

No waiting period
The account must be coded as emergency transportation by a recognised ambulance service to qualify for benefits.

Agreement private hospital

Agreement private hospital: accommodation and theatre fees

Excludes robotic surgery consumables unless otherwise covered for your treatment by the agreement between Australian Unity and the hospital
Medical fees (in-patient)

Out-of-pocket costs will apply if doctors charge above the MBS fee

Up to 100% of the Medical Benefits Schedule (MBS) fee
Surgically implanted prostheses

We cover you for Australian Government approved prostheses on the Australian Government's Prostheses List, up to the value stated on that List

Up to 100% of minimum cost for government approved surgically implanted prostheses
In-hospital pharmacy (PBS)

For medications listed under the Pharmaceutical Benefits Scheme (PBS) for treatment of your specific condition. Excludes non-PBS listed, high cost drugs or drugs that are non approved by the Therapeutic Goods Administration (TGA).

Up to 100% of cost. Up to $5,000 per membership for singles and $10,000 per membership for couples/families

Public hospital

Public hospital: accommodation and theatre fees

Large out-of-pockets may apply in a Public hospital

80% of cost
Medical fees (in-patient)

Out-of-pocket costs will apply if doctors charge above the MBS fee

Up to 100% of the Medical Benefits Schedule (MBS) fee
Surgically implanted prostheses

We cover you for Australian Government approved prostheses on the Australian Government's Prostheses List, up to the value stated on that List

Up to 100% of minimum cost for government approved surgically implanted prostheses
In-hospital pharmacy (PBS)

For medications listed under the Pharmaceutical Benefits Scheme (PBS) for treatment of your specific condition. Excludes non-PBS listed, high cost drugs or drugs that are non approved by the Therapeutic Goods Administration (TGA).

Up to 100% of cost. Up to $5,000 per membership for singles and $10,000 per membership for couples/families per calendar year

Additional benefits

Out-of-hospital Medical Fees (including GP visits, specialist fees, medical tests recognised by Medicare)

Please note that some doctors charge above this amount and out-of-pocket costs may apply. For details about waiting periods that apply, please see the product Fact Sheet

100% of the Medicare Benefits Schedule (MBS) fee
Hospital accident and emergency room fees (only when preceding a hospital admission)

For details about waiting periods that apply, please see the product Fact Sheet
Emergency ambulance transportation

No waiting period
The account must be coded as emergency transportation by a recognised ambulance service to qualify for benefits.
Ambulance attendance fees (where you are not taken to hospital)

No waiting period
Benefit limits listed apply per calendar year. The account must be from a recognised ambulance service to qualify for benefits.

2 per membership for singles. 4 per membership for couple/families
Hospital Substitution Programs

Receive short-term support from our approved service providers in the comfort of your own home to avoid or reduce a hospital stay following a hospital admission, when referred by a medical practitioner. Please contact Australian Unity for information on eligibility and any waiting periods that may apply.

Subject to prior application and approval
Medical repatriation

Up to $20,000 per membership
The provision of this benefit is at the discretion of Australian Unity. We may pay up to $20,000 for medically necessary services and transportation back to your home country, such as where you have suffered a life-altering injury or become terminally ill.

Subject to approval
Out-of-hospital pharmacy. Non PBS prescription items only

2 month waiting period
Up to $300 per membership for singles Up to $600 per membership for couples/families
Only for private prescribed Non-Pharmaceutical Benefits Scheme (PBS) items for the indication approved by the Therapeutic Goods Administration (TGA). Benefit limits listed apply on a calendar year basis.

$30 per script.

View benefits

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Cover for Non-working Visas

None of our current Non-Working Visitors Covers meet the Australian Government’s condition 8501 (adequate health insurance). Please check whether your visa imposes condition 8501.

Key

BASIC OVERSEAS VISITOR COVER

Key Features

Hospital Benefits and Excluded Services

Included Services
All treatments listed on the Medical Benefits Schedule (MBS) are included during a private or public hospital admission, unless listed as an Excluded Service (above) ^{^}

MID OVERSEAS VISITOR COVER

Key Features

Hospital Benefits and Excluded Services

Included Services
All treatments listed on the Medical Benefits Schedule (MBS) are included during a private or public hospital admission, unless listed as an Excluded Service (above) ^{^}

Why choose Australian Unity?

Get quick and easy access to health insurance to help cover your health costs and meet visa requirements

We're here for you

Email us

Already in Australia?

Calling from outside Australia?

We use cookies to capture data to enhance your experience on our website.

Get a quick quote now

Email Sent

Something went wrong!

Email quote

Have some questions about your quote?

Cover for Non-working Visas

None of our current Non-Working Visitors Covers meet the Australian Government’s condition 8501 (adequate health insurance). Please check whether your visa imposes condition 8501.

Key

BASIC OVERSEAS VISITOR COVER

Key Features

Hospital Benefits and Excluded Services

Included ServicesAll treatments listed on the Medical Benefits Schedule (MBS) are included during a private or public hospital admission, unless listed as an Excluded Service (above) ^

MID OVERSEAS VISITOR COVER

Key Features

Hospital Benefits and Excluded Services

Included ServicesAll treatments listed on the Medical Benefits Schedule (MBS) are included during a private or public hospital admission, unless listed as an Excluded Service (above) ^

Why choose Australian Unity?

Get quick and easy access to health insurance to help cover your health costs and meet visa requirements

We're here for you

Email us

Already in Australia?

Calling from outside Australia?

Included Services
All treatments listed on the Medical Benefits Schedule (MBS) are included during a private or public hospital admission, unless listed as an Excluded Service (above) ^{^}

Included Services
All treatments listed on the Medical Benefits Schedule (MBS) are included during a private or public hospital admission, unless listed as an Excluded Service (above) ^{^}