Australian Unity
31 open policies in the October 2026 data. Anyone can join.
Registered as Australian Unity Health Limited.
This insurer operates on a for-profit basis
australianunity.com.au, phone 13 29 39
- Hospital
- 14
- Hospital and extras
- 8
- Extras
- 9
- Closed to new members
- 29
How its premiums compare in NSW & ACT
Australian Unity's cheapest single hospital policy in each tier against every other insurer's cheapest, counting policies anyone can buy, from October 2026 data.
- BasicHospital only$117.8514th cheapest of 20
- BronzeHospital only$140.0512th cheapest of 21
- SilverHospital only$183.3016th cheapest of 21
- GoldHospital only$431.607th cheapest of 10
- Basic. Its cheapest single Basic hospital policy in NSW & ACT is Simple Hospital (Basic Plus), at $117.85 a month before the rebate with a $750 excess: 14th cheapest of 20 insurers. See every insurer
- Bronze. Its cheapest single Bronze hospital policy in NSW & ACT is Core Hospital (Bronze Plus), at $140.05 a month before the rebate with a $750 excess: 12th cheapest of 21 insurers. See every insurer
- Silver. Its cheapest single Silver hospital policy in NSW & ACT is Midpoint Hospital (Silver Plus), at $183.30 a month before the rebate with a $750 excess: 16th cheapest of 21 insurers. See every insurer
- Gold. Its cheapest single Gold hospital policy in NSW & ACT is Complete Hospital (Gold), at $431.60 a month before the rebate with a $750 excess: 7th cheapest of 10 insurers. See every insurer
What a single pays each month, cheapest to dearest policy
Monthly, before the rebate, across every excess option. 9 corporate policies are included; they are sold through employers and associations.
- NSW & ACT$117.85 to $464.60
- VIC$117.85 to $499.65
- QLD$121.10 to $481.50
- SA$113.75 to $412.80
- WA$85.85 to $400.85
- TAS$111.20 to $443.05
- NT$63.00 to $254.60
- NSW & ACT$127.40 to $372.25
- VIC$126.55 to $368.10
- QLD$129.35 to $375.25
- SA$128.50 to $343.85
- WA$106.15 to $306.80
- TAS$128.25 to $337.55
- NT$95.35 to $300.30
- NSW & ACT$24.15 to $157.00
- VIC$24.25 to $157.00
- QLD$25.95 to $153.85
- SA$26.30 to $160.15
- WA$25.00 to $147.60
- TAS$25.35 to $131.90
- NT$24.50 to $128.75
Show the figures
| State | Hospital | Hospital and extras | Extras |
|---|---|---|---|
| NSW & ACT | $117.85 to $464.60 | $127.40 to $372.25 | $24.15 to $157.00 |
| VIC | $117.85 to $499.65 | $126.55 to $368.10 | $24.25 to $157.00 |
| QLD | $121.10 to $481.50 | $129.35 to $375.25 | $25.95 to $153.85 |
| SA | $113.75 to $412.80 | $128.50 to $343.85 | $26.30 to $160.15 |
| WA | $85.85 to $400.85 | $106.15 to $306.80 | $25.00 to $147.60 |
| TAS | $111.20 to $443.05 | $128.25 to $337.55 | $25.35 to $131.90 |
| NT | $63.00 to $254.60 | $95.35 to $300.30 | $24.50 to $128.75 |
What Australian Unity covers, and what it pays back
Hospital
Leaving out the five it sells through employers, Australian Unity has 17 policies with hospital cover. They come with a choice of $250, $500 or $750 excess. 14 of the 17 drop the excess for children on the policy, and four of the 17 if you're admitted after an accident. Australian Unity doesn't offer the youth discount, up to 10% off for people who join between 18 and 29, though 67% of hospital policies on the market do.
Waiting periods are the standard ones: 12 months for pre-existing conditions and pregnancy, and two months for everything else, psychiatric, rehab and palliative care included. That's the most the law lets a fund make you wait. All 17 cover emergency ambulance trips only.
Extras
Not counting the four it sells through employers, Australian Unity has 13 policies with extras, covering anywhere from 6 to 24 of the 27 services insurers report on. Here's the most any of them pays back on common claims, and the highest yearly limits, next to the typical policy among the 708 on the market.
The most it pays back on common claims
- $47.00typical policy $35.20
- $95.00typical policy $66.85
- $804.00typical policy $773.80
- $70.00typical policy $42.00
- $100.00typical policy $75.00
Its highest yearly limits for a single
- General dental$1,100typical policy $800
- Major dental$1,000typical policy $1,000
- Optical$300typical policy $220
- Physiotherapy$1,100typical policy $450
- Chiropractic$1,100typical policy $400
- Psychology$600typical policy $400
Benefits are what you'd get back from a provider outside the fund's preferred network, using the national figure or NSW's where a policy pays differently by state. Items paid as a percentage of the fee aren't included. Limits are per person per year on a single policy, and some funds pool several services under one limit. Corporate policies aren't counted. See how every fund compares in what extras pay back, or every policy side by side in the extras explorer.
Hospital policies 14
| Policy | Tier | From | Sold in | Excess options |
|---|---|---|---|---|
| Corporate Basic PlusCorporate | Basic Plus | $63.00NT | All | $500, $750 |
| Simple Hospital (Basic Plus) | Basic Plus | $74.75NT | All | $500, $750 |
| Corporate Bronze PlusCorporate | Bronze Plus | $78.70NT | All | $500, $750 |
| Core Hospital (Bronze Plus) | Bronze Plus | $87.55NT | All | $500, $750 |
| Standard Hospital (Bronze Plus) | Bronze Plus | $104.45NT | All | $500, $750 |
| Midpoint Hospital (Silver Plus) | Silver Plus | $100.75NT | All | $500, $750 |
| Corporate Select Silver PlusCorporate | Silver Plus | $106.95NT | All | $500, $750 |
| Intermediate Hospital (Silver Plus) | Silver Plus | $139.95NT | All | $500, $750 |
| Value Hospital (Silver Plus) | Silver Plus | $140.20NT | All | $500, $750 |
| Corporate Advance Silver PlusCorporate | Silver Plus | $147.15NT | All | $500, $750 |
| Classic Hospital (Silver Plus) | Silver Plus | $167.70NT | All | $500, $750 |
| Assured Hospital (Silver Plus) | Silver Plus | $173.30NT | All | $250, $500, $750 |
| Complete Hospital (Gold) | Gold | $237.15NT | All | $750 |
| Corporate Priority GoldCorporate | Gold | $254.60NT | All | $750 |
Hospital and extras policies 8
| Policy | Tier | From | Sold in | Excess options |
|---|---|---|---|---|
| Simple Saver (Basic Plus) | Basic Plus | $95.35NT | All | $500, $750 |
| Care 'n Repair (Basic Plus) | Basic Plus | $106.15WA | All | $500, $750 |
| Essential Choice (Bronze Plus) | Bronze Plus | $125.00NT | All | $500, $750 |
| Active Choice (Silver Plus) | Silver Plus | $176.95NT | All | $500, $750 |
| Advantage Choice Combination (Silver Plus) | Silver Plus | $197.40NT | All | $500, $750 |
| Signature Choice (Silver Plus) | Silver Plus | $261.55TAS | All | $500, $750 |
| Secure Choice (Silver Plus) | Silver Plus | $263.65NT | All | $500, $750 |
| Top Choice (Silver Plus) | Silver Plus | $286.20NT | All | $500, $750 |
Extras policies 9
| Policy | From | Sold in | Services |
|---|---|---|---|
| Easy Extras (ESE) | $24.15NSW & ACT | All | 6 |
| Corporate Lite ExtrasCorporate | $31.00NT | All | 12 |
| Corporate Core ExtrasCorporate | $51.90NT | All | 14 |
| Focus Extras (FCE) | $56.15NT | All | 13 |
| Balanced Extras (BCE) | $61.25TAS | All | 24 |
| Freedom Extras (FRE) | $74.35NT | All | 21 |
| Corporate Vital ExtrasCorporate | $89.45NT | All | 22 |
| Top Extras (TPE) | $104.60NT | All | 23 |
| Corporate Premium ExtrasCorporate | $128.75NT | All | 24 |
Australian Unity also has 29 older policies (2,296 priced variants) closed to new members, which existing members can keep. They are counted here but not listed. Compare its hospital cover with every other insurer's in the hospital explorer.
Source: PrivateHealth.gov.au data (Private Health Insurance Ombudsman) via data.gov.au, licensed CC BY 3.0 AU. Normalised by The Finance Algorithm from the extract dated 1 Oct 2026, read on 23 Oct 2026.
Premiums are monthly and shown before the Australian Government rebate and any Lifetime Health Cover loading or age-based discount. Confirm the price and the cover with the insurer before you buy; the official statement for every policy is on PrivateHealth.gov.au. This is general information, not advice, and no insurer pays to be listed or ranked here.
Questions about Australian Unity
- Who can join Australian Unity?
- Anyone can join. Australian Unity sells 31 policies to new members (14 hospital-only, 8 combined and 9 extras-only), going by the October 2026 data.
- How much is Australian Unity hospital cover?
- Its cheapest hospital policy for a single is $74.75 a month before the government rebate (October 2026 figures). What you'd pay depends on your state, the tier and the excess you pick; the chart of premiums by state above has the range for each state.
- How much does Australian Unity pay for a dental check-up?
- Up to $47.00 for a check-up (dental item 012) on its Top Extras (TPE) policy, at a dentist outside its preferred network. The typical extras policy across the market pays $35.20.