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Australian Unity
Australian Unity
*iSelect does not provide a comparison service for Overseas Visitors Health Insurance. We provide a click through service through our website to a range of providers. Learn more.
Written by
Madeline Pettet
Edited by
Laura Crowden
Long story short
Australian Unity has OVHC options for both working and non-working visitors to Australia
Their working OVHC policies all meet condition 8501.
Add extras cover to your membership for applicable general treatment needs
From looking after your teeth to buying a new pair of glasses, extras cover could come in handy while Down Under.
Convenient online options make it easy to claim whenever and wherever
Using the Australian Unity app or web portal, you just need to upload a picture of your receipt.
Who is Australian Unity?
Started all the way back in 1840 in Melbourne, Australian Unity is a homegrown health insurance fund offering cover for both Australians and overseas visitors.
Why consider Australian Unity for your Overseas Visitors Health Cover?
Access Australian Unity wherever you’ve got internet
Forget visiting storefronts or waiting on hold. Australian Unity’s online portal and dedicated app make it more convenient than ever to manage your membership, make claims, and more. You’ll even receive your confirmation letter electronically.
Health jargon explained in language you can understand
Health cover can be tricky to follow at the best of times. If English is your second language, Australian Unity’s free interpreter service can help you make sense of their cover options.
Keep your kids covered for longer
In Australia, children 17 years and under are typically treated as child dependents on your health insurance. However, at Australian Unity, your kids can be as old as 22 and still qualify as child dependents.
What types of policies do they offer?
Everyone’s health insurance needs are different. That’s why Australian Unity has a range of options, whether you’re after lots of cover or you’re budget conscious.
Their OVHC policies offer hospital cover and ambulance cover. You can also purchase a separate extras policy from Australian Unity for things like visiting the dentist or picking up a new pair of prescription glasses.
Helpful tip
If you change your visa, you’ll need to let Australian Unity know. They can help you check if your current health cover suits your new visa. If you do need a new OVHC policy, they can also let you know if there’s a suitable Australian Unity option.
Frequently asked questions
What visas do they provide OVHC for?
Australian Unity has a range of OVHC policies to meet the requirements of non-working and working visas. This includes options for working visas:
- 408 Temporary Activity
- 417 Working Holiday
- 462 Work and Holiday
- 482 Temporary Skill Shortage
- 485 Temporary Graduate
Importantly, all of their working visitor cover options meet condition 8501. You can check if your visa has this condition via the visa list on the Department of Home Affair’s website.
Do they offer cover for extras like dental and optical?
If you’d like more than hospital cover, Australian Unity has extras policies available. These will need to be bought separately to your OVHC, but they can give you cover for things like dental check-ups, physio appointments, and more.
How do excesses work with Australian Unity?
In Australia, you’ll need to pay an excess (a set fee) if you use your Australian Unity OVHC upon admission to hospital. You can see what your excess is by checking your policy fact sheet.
The only exception for excesses is if your policy covers any child dependents, and they’re the ones being treated. Kids don’t need to pay an excess.
With Australian Unity, you can adjust your excess to change your premium. For instance, by choosing a higher excess, you could lower your premium.
How do I make a claim with them?
How you make a claim with Australian Unity is easy. All you need to do is hop online onto the membership portal or fire up the Australian Unity app. Follow the prompts to make a claim, including uploading a photo of your receipt, and that’s it. Australian Unity will let you know if your claim is successful and when it’s processed.
Alternatively, you can grab a claim form off the website. Once you’ve filled it in, pair it with a copy of your receipt, and then you can either email it to Australian Unity or send it through the post.
How can I pay my OVHC bill?
To keep your cover, you’ll need to pay your premium in advance. There’s two ways you can go about this:
- Set up a direct debit using an Australian bank account or credit card.
- Follow the payment instructions on your bill.
For both options, you can choose your payment frequency to suit your budget, whether that’s monthly, quarterly, or yearly.
Find and compare OVHC with iSelect and Australian Unity
We’re here to make it easy to find overseas health cover, so you can spend more time planning and packing for your trip to Australia. Discover a range of OVHC options from Australian Unity today.
*iSelect does not provide a comparison service for Overseas Visitors Health Insurance. We provide a click through service through our website to a range of providers. By clicking “Go To Site” button, you’ll be directed to the website of your chosen OVHC provider. iSelect is paid a commission by the provider calculated on a per click and per policy sold basis.