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 acupuncture?

Planning on having a baby?

Want the best level of care for total peace of mind?

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 online

You can claim for most extras on the spot by simply swiping your Australian Unity membership card. For things you can’t claim on the spot, including medical and ambulance claims, you can claim via Online Member Services (your online health insurance account).

Tell us about the type of service you received.
Upload an invoice and/or any other relevant documents.
Submit.

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. Provider recognition conditions apply.

We are unable to pay any claims where the treatment is rendered by a provider to themselves, their partner, dependant, business partner or business partner’s partner or dependant. Where the service includes a cost for materials, we may consider payment towards the purchase and supply of those materials.

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.

Initial and preventative examinations

Scale and clean

Topical fluoride treatment

X-rays

Custom mouthguards

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:

Many of our health covers offer Preventative Health Services to help you keep healthy—these services can include things like weight loss programs, fitness training and quit smoking programs.

Our Rewards Program provides discounts and special offers on a wide range of products and services.

Learn more about private health insurance

How to get the most out of your private health insurance

Our top tips for making the most of your cover.

Learn more

Premium changes and peace of mind

As Australia’s first member-owned wellbeing company we’re committed to ensuring that health insurance remains affordable for all Australians.

Learn more

Why choose Australian Unity?

180 years

We've been supporting the wellbeing of Australians since 1840.

Member-owned

Our profits are reinvested back into better products and services for our members and the community.

Wellbeing experts

We've been measuring the wellbeing of Australians for 20 years.

Learn more

We're here for you

Email us

We will respond to your online enquiry
via email within 3 - 5 business days.

Contact us

Call us

Call 13 29 39
Mon-Fri 8.30am – 8.00pm AEDT (excluding public holidays)

FAQs

Get answers to frequently asked questions about Health Insurance