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Visa Compliance
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Meets Government Requirements
It meets Australian Immigration requirements to maintain adequate health insurance for your stay in Australia. Note: does not meet requirements for Visa Condition 8501
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Get Instant Policy Certificate
Maximum 1-2 business days are taken by insurers to issue letter of health insurance confirmation. This letter can be used as proof of insurance with visa application.
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Out of Hospital Treatment
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Doctor services
Including GP Visits, specialist fees, medical tests recognised by Medicare. Benefits are the percentage of Medicate Benefits Schedule (MBS) fee. Please note if doctors charge above the MBS fee, out-of-pocket costs will apply.
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100% of MBS fee
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150% of MBS fee
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Radiology
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Pathology
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Ultrasound
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Specialists Consultation
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100% of MBS fee
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150% of MBS fee
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Pregnancy and related services
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100% of MBS fee
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150% of MBS fee
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In Hospital Inclusions & Specific Services
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Doctor services
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100% of MBS fee
Public Hospital only
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100% of MBS fee
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150% of MBS fee
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Excess
Total excess amount is payable once per person per calendar year, up to a maximum of twice on the membership.
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$0 |
$0 |
$0 |
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Accommodation
Cover for included services for overnight and day stays. Depending on the treatment, this includes costs such as accommodation, theatre fees and intensive care.
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Public Hospital Only
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Private and Public Hospital
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Private and Public Hospital
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Surgical implanted prosthesis
The cost of a prosthesis as listed in the prostheses list set out in the Private Health Insurance (Prostheses) Rules, for procedures that are an included Service.
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Public Hospital Only
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Agreement private hospital and public hospital
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Agreement private hospital and public hospital
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Accident and emergency services
Covered for emergency room vistits in a covered hospital, only when preceding a hospital admission
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Only when preceding a public hospital admission
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Only when preceding a public hospital admission
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Only when preceding a public hospital admission
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Pregnancy and related services
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Restricted
Public Hospital only
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Restricted
Restricted services or treatments are covered in a public hospital, as a private patient in a shared ward. If you are admitted as a patient in a private hospital for these services, you could face significant out of pocket expenses.
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Restricted
Restricted services or treatments are covered in a public hospital, as a private patient in a shared ward. If you are admitted as a patient in a private hospital for these services, you could face significant out of pocket expenses.
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Rehabilitation
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Restricted
Public Hospital only
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Restricted
Restricted services or treatments are covered in a public hospital, as a private patient in a shared ward. If you are admitted as a patient in a private hospital for these services, you could face significant out of pocket expenses
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Restricted
Restricted services or treatments are covered in a public hospital, as a private patient in a shared ward. If you are admitted as a patient in a private hospital for these services, you could face significant out of pocket expenses
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Psychiatric or palliative care
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Restricted
Public Hospital only
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Restricted
Restricted services or treatments are covered in a public hospital, as a private patient in a shared ward. If you are admitted as a patient in a private hospital for these services, you could face significant out of pocket expenses
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Restricted
Restricted services or treatments are covered in a public hospital, as a private patient in a shared ward. If you are admitted as a patient in a private hospital for these services, you could face significant out of pocket expenses
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Gastric banding
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Restricted
Public Hospital only
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Restricted
Restricted services or treatments are covered in a public hospital, as a private patient in a shared ward. If you are admitted as a patient
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Restricted
Restricted services or treatments are covered in a public hospital, as a private patient in a shared ward. If you are admitted as a patient in a private hospital for these services you could face significant out of pocket expenses.
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Hip & knee joint replacement surgery
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Restricted
Public Hospital only
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Agreement private hospital and public hospital
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Agreement private hospital and public hospital
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Cardiac Service
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Bone marrow and organ transplants
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Restricted
Public Hospital only
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Agreement private hospital and public hospital
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Agreement private hospital and public hospital
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IVF And assisted reproductive services
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Cosmetic surgery
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Not covered unless the result of an Accident or surgical scarring that occurred in Australia after joining this cover, public hospital cover only
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Not covered unless the result of an Accident or surgical scarring that occurred in Australia after joining this cover, public hospital cover only
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Not covered unless the result of an Accident or surgical scarring that occurred in Australia after joining this cover, public hospital cover only
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Waiting Periods
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In-patient psychiatric, rehabilitation and palliative care
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2 Months |
2 Months |
2 Months |
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Pre-existing conditions
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12 Months |
12 Months |
12 Months |
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Pregnancy and related services
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12 Months |
12 Months |
12 Months |
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Hospital and Medical treatment for other new conditions after joining this cover (Unless excluded)
Waiting period waived when you purchase Australian Unity Overseas Visitors cover befor coming to Australia, or with in 2 weeks of your arrival, otherwise 2 months waiting period
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2 Months
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2 Months |
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Extra
Click here for more information on waiting period and yearly limit for extras
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Dental care
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Eye Care
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Physiotherapy
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Psychology
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Accupuncture
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Chiropractic
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Natural Therapy
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Remedial Massage
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Hearing aids
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Glucose monitoring
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Speech Therapy
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Other
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Emergency ambulance services
Ambulance services must be provided by a recognised ambulance service to qualify for benefis. Emergency Ambulance transport must be coded as emergency transportation. Attendances refer to times when you are not transported to hospital. There is no waiting period for Ambulance services.
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For medically necessary ambulance transportation to hospital, treatment onsite or inter-hospital tranfer for treatment. This includes inter-hospital transfers that are necessary because the original admitting hospital does not have the required clinical facilities. It does not include transfers due to patient preferences.
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For medically necessary ambulance transportation to hospital, treatment onsite or inter-hospital tranfer for treatment. This includes inter-hospital transfers that are necessary because the original admitting hospital does not have the required clinical facilities. It does not include transfers due to patient preferences.
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For medically necessary ambulance transportation to hospital, treatment onsite or inter-hospital tranfer for treatment. This includes inter-hospital transfers that are necessary because the original admitting hospital does not have the required clinical facilities. It does not include transfers due to patient preferences.
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Repatriation to home country
Some insurers will pay for repatriation limit $20K, if you are terminally ill or die while in Australia
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Retail centre support
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