Australian Unity Private Health Insurance 2023/2024 – We Have been asking some questions about Australian Unity Private Health Insurance for the 2023 Review and some of our readers has been searching for a way to know if they can get the information from us today we are going to provide all the information we have for the Australian Unity Private Health Insurance
When talking about life what came to our mind is Health Insurance Review because the only way for someone to live long is through the use of Health Insurance this is not a matter of black or white as far as you are a human being you have to be involved yourself in either Private Health Insurance or government Health insurance
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It has come to our notice that Australian company is one of the best Health Insurance in the world because the company policies are not quite as comprehensive as most Australians would expect
However, for basic or general coverage, Australian Unity does have a wide range of combined policies to choose from–varying greatly in price depending on the individual’s need.
Customer service
Australian Unity does not have a live chat function available for its members for customer service needs, nor are its phone lines open on the weekends. Its customer service hours are solely Monday to Friday, 8:30 am-8 pm.
Its current rating on Product Review is 1.6 stars from 269 reviews, with many complaining about long hold periods on the phones and poor customer service capabilities
Are there any further discounts?
At the time of writing, Australian Unity is offering six weeks free when joining an eligible hospital and extras combined plan, and waiving all two-month waiting periods–as well as optical waiting periods–for extras.
Australian Unity also states that it offers its members a wide range of ongoing discounts and rewards to provide “more than just great health insurance”. This includes health plans, grocery discounts, and referral bonuses
Australian Unity Complaints
Of all complaints investigated by the Ombudsman across the entire health insurance industry, 2.3% were in regard to Australian Unity. This means individual policyholders have made complaints against the company that was not resolved internally, and were therefore escalated to the Ombudsman for review and investigation.
When an insurer’s share of investigated complaints by the Ombudsman is higher than its market share, it indicates that members of that insurer are more likely to complain compared with those who are members of similar-size insurers. Australian Unity, its market share is 2.5%.
Will Australian Unity Cover me for the Hospital?
Australian Unity has six hospital-only plans, and 24 combined policy plans that include certain hospital treatments and services.
For its hospital-only plans, Australian Unity has a member retention rate of 80%.
All of its hospital-only plans cover emergency ambulance services, joint reconstructions, and dental surgery. They each also include hospital care or rehabilitation care at home, along with increased coverage for any injury or illness caused by an accident.
For more intensive hospital needs, such as palliative care or joint replacements, a more premium level of coverage is required. Additionally, when looking for hospital cover for charges related to pregnancy and birth, Australian Unity only has one cover option in its hospital-only plans: the Prime Hospital (Gold).
Regardless of the type of hospital plan–or the level of such–Australian Unity members receive an 89.9% level of coverage for hospital-related charges.
What about dental, physio, or optical?
At Australian Unity, you can receive extras cover via its extras-only or combined policy plans. Extras cover refers to cover for health services that aren’t in the hospital and commonly refer to services such as dental, physio, and optical needs.
All of Australian Unity’s extras-only policies include general and preventable dental services; optical; physiotherapy; remedial massage; osteopathy; chiropractic treatments; and emergency ambulance transportation, with varying annual limits.
To access its No Gap Dental Network, a mid-tier level of extras cover is required, while cover for specialized treatments and services such as psychology, orthodontics, travel vaccinations, and hearing aids are included on higher-level plans.
Out of all treatment services available to claim from Australian Unity via its extras plans, 49% are covered by the insurer’s benefits
What is Covered
Australian Unity offers its customers a wide range of health insurance policies, covering singles, couples, families, and overseas visits via its hospital-only, extras-only, and combined cover plans.
Whichever cover you are seeking, Australian Unity offers plans on a range of low to top coverage–which includes basic plans, mid-level cover, and comprehensive cover. Depending on which level of coverage you choose will determine how much coverage you receive, and what is included.
As Australian Unity is a member-owned company, it prides itself on giving its members the best value for money in terms of its policies. However, of all the contributions Australian Unity receives, only 79.2% are returned to its customers via benefits. Other top insurers offer a percentage of returned benefits in the 90% range.
Wait time
Like all health insurance companies, Australian Unity has set waiting periods that apply to certain claims across all of its policies, regardless of the level of coverage you choose. This means you can’t receive benefits for the claim until the waiting period has passed.
For hospital cover, Australian Unity members have a wait time of two months for most conditions. This waiting period extends to 12 months for pre-existing conditions, pregnancy, and birth.
For extras–whether on an extras-only plan or a combined plan–there is a two-month wait period for physical therapies, such as physiotherapy and general dental. For optical, the waiting period is six months, whereas, for major dental, the wait time is 12 months.
No gap policy
Across all of its services, Australian Unity has a no-gap policy average of 92%. This means there are no out-of-pocket costs incurred by the policyholder when receiving certain care or services.
Australian Unity also has a ‘No Gap Dental Network’, allowing members with eligible cover to attend any of its partnered providers across the country
About Australian Unity Health Insurance
Australian Unity is one of Australia’s longest-running #wellbeing companies, offering its customers health and care services since its origins, which date back to the 1840s.
The Australian Unity as it exists now was officially formed in 1993 through a merger of the Australian Natives Association Friendly Society and the Manchester Unity Independent Order of Oddfellows. In the 2000s, Australian Unity expanded rapidly through mergers and acquisitions, including that of Lifeplan Australia Friendly Society and Grand United NSW.
All of this growth has enabled Australian Unity to become what it is today: a company of more than 7000 employees, serving more than 700,000 members and customers across the nation.
Currently, its market share of the total health insurance pool is 2.5%.
Along with its insurance offerings, Australian Unity also partners with Deakin University to develop the Australian Unity Wellbeing Index, measuring the subjective personal well-being of Australian individuals across seven domains—health, relationships, the standard of living, personal safety, achieving in life, community connectedness and future security
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