Before you pay for Gold
Top Hospital (Gold) adds assisted reproductive services and other categories compared with Mid Classic (Silver Plus). What the hospital cover step costs depends on your household, state and excess.
UniHealth health insurance
Is it a good health insurer?
UniHealth has 4 hospital and 3 extras policies in our comparison, from $127.70 a month for hospital cover (Single · NSW · $500 hospital excess, after rebate).
Issued by Teachers Federation Health Limited. Hospital, extras or both.
Explore 4 hospital and 3 extras products, or find cover by treatment. Sources for UniHealth
Reviewed, Edited and Designed by
Grace Connolly
Created with AI assistance
Page updated 27 October 2026 · Prices effective 6 August 2026
I need cover for…
UniHealth cover: the main choices.
Compare hospital inclusions
Compare the cover, not just the premium
Compare Mid Classic (Silver Plus) with Navy Health and Defence Health before choosing on price. Their cover differs for pain management with a device.
UniHealth policies and example prices.
The profile you choose updates the UniHealth 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 a UniHealth price for your circumstances? Compare UniHealth with cover across all Australian health funds.
Compare my optionsHospital cover
4 product lines
$56.27 more per month for Top Hospital (Gold) versus Mid Classic (Silver Plus) after rebate for the selected example profile.
Assisted reproductive services is an additional inclusion, not the complete list of differences.
Extras cover
3 product lines
What does UniHealth hospital insurance cover?
1 UniHealth hospital policy fully covers 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 4 hospital policies
Selected UniHealth treatment categories.
More premium does not mean more back on everything.
UniHealth extras limits per 12 months unless the statement says otherwise
Single-policy examples. Each links to its policy statement.
Basic Extras → Top Extras
The optical limits move from $150 to $260 for the Single-policy examples. Top Extras raises the shared physio limit from $500 to $800.
Top Extras: higher benefit examples
Basic Extras pays 100% for the optical example. Top Extras pays a $260.00 set benefit instead. It has a $260 optical limit and $800 shared physio limit for the Single-policy example.Compare these benefits with the premium. A set benefit is a fixed payment for the listed treatment.
Why UniHealth's shared limits and waiting periods matter
Every optical benefit shown has a standard waiting period of 6 months.
UniHealth vs. Navy Health vs. Defence Health
How UniHealth compares with similar hospital policies.
These are selected Silver Plus examples from Navy Health and Defence Health, not identical policies or a search for the cheapest cover across the market.
Comparing UniHealth Mid Classic (Silver Plus) with Navy Health Core Silver+ Hospital and Defence Health Core Hospital Silver Plus. Single · NSW · $500 hospital excess · Silver Plus hospital cover
UniHealth and selected alternatives: monthly prices and verified coverage differences.
What the differences mean for you
Different policies can come with different treatment benefits. Check whether these differences matter for the cover you need.
Pain management with a device: included with UniHealth and Navy Health; not included with Defence Health.
These alternatives match UniHealth Mid Classic (Silver Plus) on tier, cataracts and joint replacements. Like UniHealth, these funds limit membership to their eligible communities, so check that you qualify. How we choose alternatives
Compare all 38 hospital treatment categories
UniHealth and the alternatives: all 38 treatment categories, policy information as at 26 October 2026.
Compare UniHealth with cover from every Australian health fund.
UniHealth against the industry.
These figures describe Teachers Federation Health Limited, which issues UniHealth cover, not UniHealth customers alone.
Teachers Health members had no gap on 89.9% 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
Teachers Health paid 42.8% 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
Teachers Health increased premiums by an average of 3.94% in 2026, against 4.41% across the industry. Government premium-increase figures · accessed 23 October 2026
Complaint share is close to market share, but investigated complaints are higher
Share of all complaints, 2024-252.2%
Market share, 30 June 20252.6%
0%12%
State of the Health Funds Report 2024-25 · checked 26 October 2026
Teachers Health'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 5.5%, above its market share.
Latest quarter, January to March 2026. The Ombudsman referred 24 complaints about Teachers Federation Health Limited to it to resolve, 3.6% of those it referred about all insurers, and investigated none. Ombudsman Quarterly Update · checked 26 October 2026
Check the practical details.
Check your provider
Confirm that UniHealth recognises your provider. Ask for a treatment plan and item numbers so UniHealth can estimate your benefits and out-of-pocket costs.
Make or track a claim
Use UniHealth's website for claims guidance and member login: receipts, claim tracking and remaining benefits are handled there.
Contact UniHealth
For enquiries, call 1300 367 906. Monday to Thursday 8am to 7pm, Friday 8am to 6pm and Saturday 8.30am to 12.30pm (AEST/AEDT). Closed on public holidays.Contact details checked 6 October 2026.Official contact details and messaging options
Before you choose UniHealth.
What is the cheapest UniHealth hospital policy?
Mid Hospital (Basic Plus) is the cheapest UniHealth hospital policy for a single person in NSW with a $500 hospital excess, at $127.70 a month after the 24.118% government rebate for adults under 65 (prices effective 6 August 2026). This compares all 4 UniHealth 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 Mid Classic (Silver Plus) to Top Hospital (Gold)?
UniHealth Top Hospital (Gold) adds full cover for dialysis for chronic kidney failure, cataracts and 5 more categories compared with Mid Classic (Silver Plus). For the Single / NSW / $500 excess example it costs $56.27 more a month, so check what each policy covers before you upgrade.
Source: Private Health Information Statements, checked 26 October 2026.
Sources for UniHealth.
Policy information retrieved 26 October 2026. Prices effective 6 August 2026.
Private Health Information Statements · UniHealth · checked 26 October 2026
State of the Health Funds Report 2024-25 · Teachers Health · checked 26 October 2026
Government insurer profile · Teachers Health · checked 22 October 2026
Government premium-increase figures · Teachers Health · checked 23 October 2026
Government rebate rates and eligibility · Australian Government · checked 26 October 2026
Official contact details · UniHealth · checked 6 October 2026
All policies by cover type
Hospital (4)
Extras (3)
Hospital and extras (2)
Ambulance (1)
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