For gynaecology
Simple Hospital (Basic Plus) does not fully cover gynaecology. Check the hospital cover for exclusions and restricted benefits before choosing.
Australian Unity health insurance
Is it a good health insurer?
Australian Unity has 9 hospital and 5 extras policies in our comparison, from $98.65 a month for hospital cover (Single · NSW · $500 hospital excess, after rebate).
Issued by Australian Unity Health Limited. Hospital, extras or both.
Explore 9 hospital and 5 extras products, or find cover by treatment. Sources for Australian Unity
Reviewed, Edited and Designed by
Grace Connolly
Created with AI assistance
Page updated 26 October 2026 · Prices effective 11 June 2026
I need cover for…
Compare cover across all Australian health funds.
Australian Unity cover: the main choices.
Compare hospital inclusions
Before you pay for Silver Plus
Intermediate Hospital (Silver Plus) adds insulin pumps compared with Midpoint Hospital (Silver Plus). What the hospital cover step costs depends on your household, state and excess.
For plastic and reconstructive surgery (medically necessary)
Standard Hospital (Bronze Plus) covers plastic and reconstructive surgery (medically necessary). Check the hospital cover for exclusions and restricted benefits before choosing.
Australian Unity policies and example prices.
The profile you choose updates the Australian Unity price tables, hospital shortlist and alternative-policy comparison below.
Single · NSW · $500 hospital excess · example premiums after rebate.
Monthly examples include the 24.118% government rebate, the maximum for adults under 65. Your rebate and final quote may differ.
Need an Australian Unity price for your circumstances? Compare Australian Unity with cover across all Australian health funds.
Compare my optionsHospital cover
9 product lines
$23.53 more per month for Standard Hospital (Bronze Plus) versus Core Hospital (Bronze Plus) after rebate for the selected example profile.
Plastic and reconstructive surgery (medically necessary) is an additional inclusion, not the complete list of differences.
Extras cover
5 product lines
Australian Unity joining offer
Get 10 weeks free
New members who buy and start hospital and extras cover together get 6 weeks free after 60 days of paid cover. They can get another 4 weeks free after 365 days. The 2-month extras waiting periods and the 6-month optical waiting period are waived.
For new members on new memberships who have not held Australian Unity health insurance or Overseas Visitors Cover in the 90 days before joining.
Ends 30 November 2026
Offer termsOffer information checked: 26 October 2026. Prices, benefits and promotions can change. Before applying, check the insurer's official website for current availability, eligibility requirements, expiry dates and full terms. Read our Terms of Use. Report an error to info@healthinsurance.au.
Australian Unity eligibility and offer terms
The 10 weeks free applies only when you join through Australian Unity's website or call centre. Eligibility and other conditions apply.
Buy hospital and extras cover together and start it by 30 November 2026.
Hospital-only cover, extras-only cover and Overseas Visitors Cover are excluded.
Corporate products, cover with a corporate partnership discount and Australian Unity staff are excluded.
Keep the policy paid up to date. The first 6 weeks are applied after 60 continuous days of cover.
The first 6 weeks are not applied if the policy is in arrears or suspended at any time in that period.
The other 4 weeks are applied after 365 days if the policy is still hospital and extras cover and paid up to date.
The offer is forfeited if you no longer hold the policy on the date the free weeks are applied.
Another discount received before day 364 reduces the second 4 weeks or cancels them.
Dependants who leave a parent's policy and join within 90 days are excluded. A separate offer may apply to them.
Changing to hospital-only, extras-only or corporate cover can forfeit the free weeks.
Other extras waiting periods and all hospital waiting periods still apply.
What does Australian Unity hospital insurance cover?
4 Australian Unity hospital policies fully cover cataracts
Single · NSW · $500 hospital excess. Only policies that fully include cataracts are shown. How we read hospital categories
Compare selected treatment categories across all 9 hospital policies
Selected Australian Unity treatment categories.
More premium does not mean more back on everything.
Australian Unity extras limits per 12 months unless the statement says otherwise
Single-policy examples. Each links to its policy statement.
Focus Extras (FCE) → Top Extras (TPE)
The optical limits move from $200 to $300 for the Single-policy examples. Top Extras (TPE) raises the shared physio limit from $400 to $600.
Top Extras (TPE): higher benefit examples
The optical examples stay at 100%, with a $300 optical limit and $600 shared physio limit for the Single-policy example.Compare these benefits with the premium.
Why Australian Unity's shared limits and waiting periods matter
Every optical benefit shown has a standard waiting period of 6 months.
Australian Unity vs. HIF vs. Qantas
How Australian Unity compares with similar hospital policies.
These are selected Silver Plus examples from HIF and Qantas, not identical policies or a search for the cheapest cover across the market.
Comparing Australian Unity Midpoint Hospital (Silver Plus) with HIF Silver Hospital and Qantas Silver Plus Standard. Single · NSW · $500 hospital excess · Silver Plus hospital cover
Australian Unity and selected alternatives: monthly prices and verified coverage differences.
What the differences mean for you
All 38 treatment categories have the same status for these policies. That does not mean the policies have identical terms or out-of-pocket costs.
These alternatives match Australian Unity Midpoint Hospital (Silver Plus) on tier, cataracts and joint replacements. How we choose alternatives
Compare all 38 hospital treatment categories
Australian Unity and the alternatives: all 38 treatment categories, policy information as at 26 October 2026.
Compare Australian Unity with cover from every Australian health fund.
Australian Unity against the industry.
Australian Unity members had no gap on 90.6% of in-hospital medical services in the 2024-25 financial year, against 87.1% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
Australian Unity paid 49.3% of members' extras (general treatment) charges in the 2024-25 financial year, against 50.7% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
Australian Unity increased premiums by an average of 3.98% in 2026, against 4.41% across the industry. Government premium-increase figures · accessed 23 October 2026
3.1 / 5
341 Google reviews
Voluntary customer reviews · Australian Unity in Melbourne
Snapshot: 26 October 2026. This is the Google listing for Australian Unity in Melbourne, not a rating of Australian Unity as a whole or a representative survey.
Complaint share is close to market share, but investigated complaints are lower
Share of all complaints, 2024-252.7%
Market share, 30 June 20252.1%
0%12%
State of the Health Funds Report 2024-25 · checked 26 October 2026
Australian Unity's share of complaints the Ombudsman received in 2024-25 is close to its market share at 30 June 2025. Its share of complaints the Ombudsman investigated that year is 0.9%, below its market share.
Latest quarter, January to March 2026. The Ombudsman referred 23 complaints about Australian Unity Health Limited to it to resolve, 3.5% of those it referred about all insurers, and investigated none. Ombudsman Quarterly Update · checked 26 October 2026
App Store
3.4 / 5
78 App Store ratingsAustralian Unity Health app · AUSTRALIAN UNITY GROUP SERVICES PTY LTD.
Snapshot: 22 October 2026. Australian Unity Health is Australian Unity's own app. This rates the app on the Australian App Store, not Australian Unity's cover or claims. This small sample may not reflect the experience of most members.
Google Play
2.3 / 5
124 Google Play reviewsAustralian Unity Health app · Australian Unity
Snapshot: 22 October 2026. Australian Unity Health is Australian Unity's own app. This rates the app on Google Play, not Australian Unity's cover or claims.
Check the practical details.
Check your provider
Confirm that Australian Unity recognises your provider. Ask for a treatment plan and item numbers so Australian Unity can estimate your benefits and out-of-pocket costs.
Make or track a claim
Use Australian Unity's website for claims guidance and member login: receipts, claim tracking and remaining benefits are handled there.
Contact Australian Unity
For quotes and joining, call 1800 760 719. Monday to Friday 8:30am to 6pm (AET), excluding public holidays.Contact details checked 22 October 2026.Official contact details and messaging options
Before you choose Australian Unity.
Is Australian Unity a not-for-profit fund?
No, Australian Unity's government insurer profile says it operates on a for-profit basis. Compare the policy benefits and price, as the business structure does not decide value for your needs.
Source: Government insurer profile, checked 22 October 2026.
What is the cheapest Australian Unity hospital policy?
Simple Hospital (Basic Plus) is the cheapest Australian Unity hospital policy for a single person in NSW with a $500 hospital excess, at $98.65 a month after the 24.118% government rebate for adults under 65 (prices effective 11 June 2026). This compares all 9 Australian Unity hospital policies, not the whole market. Check what it excludes before choosing on price.
Source: How we compare prices, checked 26 October 2026.
What changes if I move from Standard Hospital (Bronze Plus) to Midpoint Hospital (Silver Plus)?
Australian Unity Midpoint Hospital (Silver Plus) adds full cover for heart and vascular system, implantation of hearing devices and 5 more categories compared with Standard Hospital (Bronze Plus). For the Single / NSW / $500 excess example it costs $11.34 more a month, so check what each policy covers before you upgrade.
Source: Private Health Information Statements, checked 26 October 2026.
Sources for Australian Unity.
Policy information retrieved 26 October 2026. Prices effective 11 June 2026.
Private Health Information Statements · Australian Unity · checked 26 October 2026
State of the Health Funds Report 2024-25 · Australian Unity · checked 26 October 2026
Government insurer profile · Australian Unity · checked 22 October 2026
Government premium-increase figures · Australian Unity · checked 23 October 2026
Government rebate rates and eligibility · Australian Government · checked 26 October 2026
Google listing for Australian Unity in Melbourne · Australian Unity · checked 26 October 2026
App Store listing for Australian Unity Health · AUSTRALIAN UNITY GROUP SERVICES PTY LTD. · checked 22 October 2026
Google Play listing for Australian Unity Health · Australian Unity · checked 22 October 2026
Official contact details · Australian Unity · checked 22 October 2026
Offer terms · Australian Unity · checked 26 October 2026
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