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Australian Unity is one of Australia’s oldest mutual companies1. A mutual is a company that’s owned by its members rather than shareholders2, and profits are returned to the company to fund growth and innovation.
Australian Unity can trace its origins to 1840 when a group of eight people decided to form a friendly society with the goal of looking after the health and wellbeing of its members2. More than 175 years later, the company’s focus is unchanged – to take care of its members and improve the wellbeing of Australians.
Today, Australian Unity employs more than 7,500 people and supports around one million Australians1 with health, wealth and living services.
What makes Australian Unity different?
Australian Unity has a long history of supporting the health and wellbeing of Australians. As mentioned earlier, because they’re a mutual company, all profits are reinvested back into the company to benefit members, customers and the community2; providing a quality service – rather than creating profits for shareholders.
They’re also committed to making genuine contributions to the community. Their Wellbeing Index, created in partnership with Deakin University, has measured Australians’ wellbeing since 20013. It’s regarded as the leading and most comprehensive measure of wellbeing in Australia3.
Australian Unity is also a partner of The Resilience Project4, which delivers programs to help Australians build resilience and become happier by practicing gratitude, empathy and mindfulness.
What health insurance products does Australian Unity offer?
- Private health insurance: Australian Unity offers policies for singles, couples and families. Members can manage their cover online 24/7, and don’t have to re-serve waiting periods they have previously served if they switch to Australian Unity within 30 days of leaving another fund5.
- Overseas Visitors Cover: overseas visitors are not eligible for Medicare benefits unless they’re from a country that Australia has a Reciprocal Health Care Arrangement with. Often, holding an appropriate level of health insurance is a visa requirement – Australian Unity’s Overseas Visitors Cover covers international visitors for doctor and specialist fees, emergency ambulance and hospital treatment, accommodation, and theatre fees6.
What types of hospital and extras cover does Australian Unity offer?
Australian Unity offers three levels of cover when it comes to hospital and extras:
- Basic cover: for people without any health concerns who are looking to spend a minimal amount. Basic cover provides emergency ambulance cover, hospital cover for accidents, and general dental and physio cover7.
- Mid-range cover: for people who want coverage for a range of essential hospital and extras treatments. Mid-range cover includes major dental, heart surgeries, and rehabilitation services7. However some high end day procedures, such as cataracts surgery, won’t be covered.
- High-level cover: for people who want coverage for an extensive range of hospital and extras treatments. High-level cover includes day surgeries, eye procedures, heart-related services, and hip and knee replacements7.
What types of extras-only cover does Australian Unity offer?
Australian Unity offers five levels of extras-only cover8:
- Basic extras: offers up to $950 back per year, per person, on a range of simple extras treatments
- Bronze extras: offers up to $1,200 back per year, per person, on the most common extras
- Silver extras: offers up to $3,400 back per year, per person, on a broad range of extras
- Gold extras: offers up to $6,730 back per year, per person, on a comprehensive range of extras
- Platinum 80%: offers up to $8,500 back per year, per person on an extensive range of extras
Can I get hospital-only cover with Australian Unity?
Yes, Australian Unity offers a range of hospital-only insurance policies – from basic cover through to pregnancy and platinum hospital cover9.
What is Australian Unity’s Overseas Visitor Cover?
If you’re on a working or holiday visa, you’re unlikely to be eligible to receive Medicare benefits unless you come from a country that Australia has a Reciprocal Health Care Arrangement with. Australian Unity’s Overseas Visitors Cover meets the Australian Government’s 457 visa requirements10 and helps international visitors who:
- Have a visa that requires them to hold health insurance
- Want to be covered for medical treatments and emergencies while in Australia
- Don’t have travel insurance that covers their medical expenses
How do I make a claim with Australian Unity?
Australian Unity offers members a choice of flexible ways to make a claim:
- On the spot: if your extras provider has a HICAPS machine, you can swipe your Australian Unity membership card at the time of payment to make a claim on the spot
- Using the Australian Unity mobile app: you can claim up to $300 when you upload photos of your receipts using their mobile app, or via the Australian Unity website
- Over the phone: if you’d like help with completing your claim form, you can call 1800 807 144 for assistance
- By mail, email or fax: once you’ve completed a claim form and attached your receipts, you can post, email or fax them through to Australian Unity
How do I become an Australian Unity health insurance member?
You can apply for Australian Unity private health insurance using our simple and secure online application, or call us 13 19 20 and one of our health insurance experts can take you through the application process.
If you’re not sure whether Australian Unity is the right health fund for you, we can help you to compare policies and find one that suits your needs and budget.
We don’t compare all health insurance providers or policies in the market. The availability of policies will change from time to time. Not all policies available from our partners are compared by iSelect and due to commercial arrangements, your stated needs and circumstances, not all policies compared by iSelect will be available to all customers. Some policies are available only from our call centre and others are available only from our website. Click here to view our range of providers.