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 cover is required. Additionally, when looking for hospital cover for charges related to pregnancy and birth, Australian Unity has only 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 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 refers 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 massages; 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.

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.