How to claim on hospital and medical expenses

To claim on medical costs, follow these steps.

1. Head to Make a claim right here in your Online Member Services (online account).
2. Select ‘Medical services’ and complete the online form. Make sure to upload your itemised invoice.
3. Once we’ve processed your claim, we’ll make a payment into your nominated bank or credit union account. If you haven’t yet paid your provider, it will be your responsibility to pass this on.
4. If there’s any amount outstanding, you’ll need to pay this.

You shouldn’t be charged for accommodation or theatre fees⁵ if you’re “Covered” for your procedure at that hospital (your Fact Sheet will tell you which treatments are “Covered” and at which type of hospital); and you’ve completed any applicable waiting periods. You must also be within your yearly limits.

In most cases, the hospital will bill Australian Unity directly. You’ll only receive a bill if an excess applies to your cover (and you haven’t already paid it).

If your procedure is “Not Covered”, or at a hospital that is “Not Covered” on your policy, you will be responsible for the entire cost charged by the hospital. If your procedure is in a “non-agreement” private hospital you may incur large out-of-pocket costs. This may include theatre fees, intensive or coronary care costs and accommodation. If your cover provides for “Restricted” benefits, Australian Unity will pay a reduced benefit for your hospital accommodation and theatre fees, and large out-of-pocket expenses may apply.

For any charges not covered by Australian Unity, you will need to contact the hospital and confirm how to pay.

⁵ Or prosthesis (if needed).

If you’re covered for ambulance—and need to claim—log into your account and head to Make a claim.

If you just have Overseas Visitors Cover: Select ‘Medical services’ and follow the steps.

If you have extras as well: Select ‘Extras services’ and follow the steps.

Once we’ve processed your claim, we’ll make a payment directly to the ambulance provider. If there’s any amount outstanding, you’ll need to pay this.