Australian Unity health insurance review

Australian Unity has lots of options and strong benefits, but its complaints record isn’t the strongest.

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Pros

  • Get 100% back on preventative dental, with Australian Unity's No-Gap Dental Cover.
  • Australian Unity's rewards program provides discounts and special offers to members.
  • There are eight hospital policies to choose from, more than many other brands.

Cons

  • Australian Unity has a proportionally-high number of health insurance complaints.
  • There are only four extras policies to choose from - less than many other brands.

What types of health insurance does Australian Unity offer?

Australian Unity offers a range of health insurance policies. To help find the best health insurance policy for you, it's best to compare multiple providers.

Name Product AUFHI-NEW Treatments Price Apply Hide Compare
Simple Hospital (Basic Plus)
Basic Plus$750 excess
Australian Unity Health Limited logo
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
  • +4 other treatments covered
$82.48
per month
All treatments
Core Hospital (Bronze Plus)
Bronze Plus$750 excess
Australian Unity Health Limited logo
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +14 other treatments covered
$95.07
per month
All treatments
Standard Hospital (Bronze Plus)
Bronze Plus$750 excess
Australian Unity Health Limited logo
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +15 other treatments covered
$113.05
per month
All treatments
Midpoint Hospital (Silver Plus)
Silver Plus$750 excess
Australian Unity Health Limited logo
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +24 other treatments covered
$124.32
per month
All treatments
Australian Unity Health Limited logo
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +25 other treatments covered
$141.28
per month
All treatments
Value Hospital (Silver Plus)
Silver Plus$750 excess
Australian Unity Health Limited logo
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +26 other treatments covered
$151.42
per month
All treatments
Classic Hospital (Silver Plus)
Silver Plus$750 excess
Australian Unity Health Limited logo
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +26 other treatments covered
$184.90
per month
All treatments
Australian Unity Health Limited logo
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
  • +30 other treatments covered
$250.90
per month
All treatments
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Name Product AUFHI-NEW Treatments Price Apply Hide Compare
Easy Extras (ESE)
Extras cover
Australian Unity Health Limited logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +1 other treatments covered
$16.96
per month
All treatments
Focus Extras (FCE)
Extras cover
Australian Unity Health Limited logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +2 other treatments covered
$41.62
per month
All treatments
Australian Unity Health Limited logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +5 other treatments covered
$60.73
per month
All treatments
Top Extras (TPE)
Extras cover
Australian Unity Health Limited logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +6 other treatments covered
$94.39
per month
All treatments
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Name Product AUFHI-NEW Treatments Price Apply Hide Compare
Care 'n Repair (Basic Plus)
Basic Plus$750 excess
Australian Unity Health Limited logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +4 other treatments covered
$88.55
per month
All treatments
Care 'n Repair (Basic Plus)
Basic Plus$500 excess
Australian Unity Health Limited logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +4 other treatments covered
$98.16
per month
All treatments
Essential Choice (Bronze Plus)
Bronze Plus$750 excess
Australian Unity Health Limited logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +20 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +7 other treatments covered
$134.27
per month
All treatments
Essential Choice (Bronze Plus)
Bronze Plus$500 excess
Australian Unity Health Limited logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +20 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +7 other treatments covered
$147.50
per month
All treatments
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What do Australians think of Australian Unity health insurance?

  • 4.36/5 overall for Customer Satisfaction — higher than the average of 4.13
  • 4.84/5 for Trust — higher than the average of 4.46
  • 4.32/5 for Customer Service — higher than the average of 4.17

Based on Australian Unity health insurance scores in Finder's 2024 Customer Satisfaction Awards.

How to make a claim

For extras services, you can claim on the spot using your Australian Unity card, via the Australian Unity health app, online through Member Services, or by emailing a claim form to Australian Unity, with any relevant receipts attached.

For hospital claims, if you've received a bill, you'll need to fill in a Medicare claim form and a two-way claim form to submit your claim to Medicare first. Medicare will then process your forms and send them to Australian Unity to process.

If you've received a Medicare Statement of Benefits, you'll need to fill in an Australian Unity claim form and send it to Australian Unity along with the Statement of Benefits. If you need help with hospital claims, you can call 12 29 39 to contact Australian Unity.

Complaints info

Australian Unity had a poor complaints record last year. Data from the most recent State of the Health Funds Report shows that Australian Unity had 2.2% market share but accounted for 4.7% of complaints received by the Commonwealth Ombudsman - proportionally, far higher than average.

Finder Awards badge

Congratulations, Australian Unity!

Australian Unity received the following highly commended awards in the 2024 Customer Satisfaction Awards:

  • Health Insurance - Loved Brand
  • Health Insurance - Value Brand
  • Health Insurance - Trusted Brand
  • 'Health Insurance - Quality Service Brand

<h3 class=" header-underline>FAQs

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Senior writer

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio

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