Why choose
Australian Unity?

Get cover that works for you 

Health insurance is not one-size-fits-all. That’s why Australian Unity offers a range of hospital and extras covers that you can mix-and-match to meet your needs: 

  • Wish you could afford to go to the dentist more often?
  • Want money back on remedial massage and natural therapies?
  • Planning on having a baby?
  • Want the best level of care for total peace of mind?

No matter what your needs are, we’ve got you covered.  

30-day cooling off period

You’re protected by an Australian Government-mandated 30 day cooling off period.

If you change your mind in the first 30 days, as long as you haven’t made any claims, you can switch to a more suitable level of cover or else cancel your membership and get your money back.

No waiting periods for switchers

When you switch to Australian Unity from a cover with a similar or higher level of benefits within 30 days of leaving your old health fund, we’ll recognise the waiting periods you’ve already served. 

Even if you haven’t completed a waiting period, we’ll apply any time already served towards your new cover.

Find out more about switching to Australian Unity

Fast and easy claiming with our mobile app

You can claim for most extras on the spot by simply swiping your Australian Unity membership card.

Or you can use our 3-step mobile claiming app:

  1. Select Quick Claim. 
  2. Take photos of your receipts. 
  3. Press Submit.

Too easy! You can claim up to $300 at a time, and the money is usually credited to your account within two business days.

Find out about other ways to claim.

Keep seeing your favourite providers

With Australian Unity you can continue to see your favourite dentist, physio, chiro or other extras provider.

That’s unlike some health funds who lock you into their provider network. With choice of provider, you can get treated by any health provider who is in private practice and is recognised by Australian Unity.

Get up to 100% back on preventative dental

You’ve heard the old saying that prevention is better than cure. That’s especially true when the cure can be both painful and expensive!

That’s what our No Gap Dental cover is all about. It’s available on many of our extras covers, and provides preventative dental treatments with no out-of-pocket costs (up to your yearly limit) when you visit any provider in our No Gap Dental Network.

Covered treatments include

  • Initial and preventative examinations
  • X-rays
  • Scale and clean
  • Custom mouthguards
  • Topical fluoride treatment

Find out more about our No Gap Dental cover.

Other benefits of membership

You don’t have to be sick or go to the hospital to receive benefits from your Australian Unity membership:

It all began in a pub 175 years ago

Which we figure is about as Australian as you can get!

Australian Unity traces its origins to a pub in Melbourne, where on 7 December 1840, a group of eight men decided to form a friendly society with the goal of looking after the health and wellbeing of its members.

We’ve seen a lot of changes over the past 175 years, and sadly, the old pub in Elizabeth St is no longer there.

The most important things remain the same though, including Australian Unity’s focus on taking care of our members and improving the wellbeing of Australians.

We’re a Members Own Health Fund

If you’re looking for a health fund that’s run to benefit you and your family, rather than investors or overseas owners, a Members Own health fund is right for you.

More than 2.5 million people across Australia have already placed their trust in health funds that carry the Members Own symbol.

It’s not hard to see why—as well as giving you access to quality health care, collectively Members Own funds give more back, provide better service, and have more satisfied members than household name funds Medibank, AHM, NIB and Bupa combined.

Find out more about the benefits of joining a Members Own Health Fund.

Let us recommend our best-fit cover based on your needs
Check out the covers that are popular for people like you
Know what you want? Select your own hospital and extras covers