How your premiums are set each year
Why do premiums change?
Like all health funds, we adjust our premiums each April to ensure we can continue supporting our members' healthcare needs. Our adjustments balance affordability with ensuring members maintain access to high-quality care. These changes reflect the rising costs of medical services in Australia, and the growing healthcare demands of our community.
We carefully consider multiple factors to keep our cover both valuable for you and sustainable for the future.
Over the last 5 years
Average premium price changes by health insurer (2022-2026)
Average premium price changes by health insurer (2022-2026)
Over the last 10 years
Average premium changes 5-year average (2022-2026) vs 10-year average (2017-2026)
Average premium changes 5-year average (2022-2026) vs 10-year average (2017-2026)
Agreement Hospitals
Hospital Agreement Comparison
Hospital Agreement Comparison
Our contributions to health cover claims in 2025
Cost of hospital procedures
Increasing costs of hospital procedures
The cost of hospital treatment is on the rise.
Increasing costs of hospital procedures
The cost of hospital treatment is on the rise.
Public hospital wait times
Did you know?
In 2023-24, the average public hospital waiting times have increased compared to previous years, which means it’s more important than ever to hold Private Health Insurance. The following shows the waiting times for 90% of patients admitted for the following elective surgeries:
Common surgical claims
Our most common surgical claims in 2025
Common extras claims
Top 5 most common extras claims in 2025
Did you know?
On most of our Extras products, you can access some preventative dental treatments with no out-of-pocket costs when you visit any provider in our No Gap Dental Network (yearly and service limits apply). Visit our No Gap Dental Network page to find a clinic near you.
Real Wellbeing experts
Established in 1840, we are Australia’s first wellbeing company, delivering health, wealth and care services for our members and the community.
- For more than 20 years, Australian Unity, in partnership with Deakin University, has tracked the wellbeing of Australians through the Australian Unity Wellbeing Index.
Service excellence
- Award-winning personalised service and Australia based local support
Flexibility and comprehensive cover
- Access to an extensive provider network with over 500 hospitals
- No preferred providers – freedom to choose your treating doctor
- No Gap Dental across all mainland states and territories
- Ambulance transportation – unlimited emergency transport to hospital is included on all covers
Preventative health and health support programs
- Weight Loss programs
- Quit Smoking programs
- Doctor Health Checks
- Personal Health Coaching
- Diabetes Australia Membership
- Bone Density Scans
- Lift for Life
- Mammogram Screenings
- Cervical Cancer Vaccinations
Rewards and Member perks
- Wellplan Rewards program with discounts at over 100 stores
- Member perks – including exclusive discounts on a wide range of insurances
Member perks
Rewarding members like you
As an organisation focused on wellbeing, we believe in looking after our members. That’s why as a private health insurance member, you can get access to extra perks and discounts on other Australian Unity products.
Wellplan Rewards
Save money on groceries, petrol & more
With Wellplan Rewards, you can save money on everyday things like groceries, petrol, movie tickets and even clothes. Enjoy discounts at over 100+ stores. And it’s all part of your Australian Unity health insurance membership8
Refer a friend
Be rewarded for telling your friends 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. Plus, you don’t have to share your gift card with your friend. Happy days!
*Only available if the friend you refer has not held active or suspended health insurance with Australian Unity in the last 12 months. Not available through intermediaries (eg Aggregators). Cover must be purchased through the Australian Unity call centre or website. See full terms and conditions.
You’re with an award-winning health insurer
Our commitment to customers and delivering outstanding health insurance is award winning! We’ve been named Health Insurer of the Year (Retail) 2023 at the Roy Morgan Customer Satisfaction Awards. Plus, WeMoney has awarded us Best Bronze Hospital Cover and Best Comprehensive Hospital Cover 2024.
How to maximise your private health insurance cover
How do you know if you’ve got the right health insurance cover for your age?
