Paying for your health insurance

There are two ways you can pay your Private Health Insurance and Overseas Visitors Cover premiums:

DIRECT DEBIT

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ACCOUNT NOTICE

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Paying by direct debit

A direct debit is an instruction from you to your bank or other financial institution. It authorises Australian Unity to collect your health insurance premiums from your account on a date that matches your selected payment frequency. Payment frequencies can be fortnightly, monthly, quarterly, half yearly or yearly.

All you have to do is to make sure there are sufficient funds in your account for payments to be made on the payment date.

To set up or manage direct debit payments:


You’ll receive written confirmation of your direct debit payment instructions within three working days of your telephone call or online sign up.

When you choose to pay for your Private Health Insurance by direct debit, you can receive up to a 4% discount on your premiums. (This discount does not apply to Overseas Visitors Cover.)

Paying by account notice

When you pay by account notice, you’ll receive a bill for your premiums each quarter, half year or year (depending on your selected payment frequency).

You can pay in the following ways:

  • Log in to your account and pay online
  • Call us on 1800 008 622 to pay over the phone
  • Log in to your online banking and pay using BPay
  • Pay in person at your nearest Australia Post Office
  • Fill out the remittance section at the bottom of the account notice, and send it back to us

When you choose to pay for your Private Health Insurance by account notice, you can receive up to a 2% discount on your premiums when you pay half yearly, and up to a 4% discount when you pay yearly. (This discount does not apply to Overseas Visitors Cover.)

To set up or manage account notice payments, call us on 13 29 39 to manage your account notice by phone.

Variations in payments

There may be times when the premium you’re charged is not the same as the price you were quoted. This is most likely to happen during the first two to three months of your membership and is usually caused by government rebates and loadings that affect the price you pay for your Private Health Insurance.

Government Rebate on Private Health Insurance

You can receive up to a 35.722% rebate on your health insurance. Complete this form to apply for the age-based, income-tested Australian Government Rebate on Private Health Insurance:

Complete online

Download

Lifetime Health Cover (LHC) loading

This can add up to 70% to the cost of your health insurance if you’re over 31. Complete this form if you’re switching from another health fund to confirm your LHC loading:

Complete online

Download

Paying in advance

Your premiums need to be paid in advance at all times. You can pay up to a maximum of 12 months in advance to lock in today’s price.

Please note that paying in advance locks in the price only, and not the terms and benefits of your cover. If we change your benefits, we will provide you with reasonable notice and will comply with the Australian Consumer Law.

Find out more about changes to Private Health Insurance policies.

Applying for a tax invoice

Overseas Visitors Cover is not exempt from Australian taxes and levies such as the Goods and Services Tax (GST). If you require a tax invoice for any reason, and

  • you pay by account notice, you can use your account notice as a tax invoice
  • you pay by direct debit, please call us on 13 29 39 and we’ll organise a tax invoice for you