FAM
Why choose Healthy Options Extras?
Access benefits for everyday services such as dental, optical and more. This cover stands alone or you can combine it with one of our hospital covers to unlock your Active Health Bonus to spend on out-of-pocket expenses — the choice is yours!
60% back on glasses
Keep smiling
More flexibility
Why trust us with your health
As a not-for-profit and member-owned fund we understand our members needs and provide outstanding local customer service to union members and their families.
We make managing your health insurance easy with our app
Get great value cover you won't regret with quality inclusions
We have an extensive network of preferred providers
Do you need a hand choosing the right cover?
Help us understand your needs and in just 20 seconds we'll match you with the perfect health cover.
Download guides
Extras limits reset annually on January 1. For more information on limits and waiting periods please see the product guide.
FAQs
A list of preferred providers can be found here. We allow you to use any registered optometrist, dentist, physiotherapist or podiatrist in Australia. For other health care services such as chiropractic, massage, etc, benefits are paid for treatment by registered practitioners in private practice and recognised natural therapists approved by Union Health.
Find out moreAn extras out-of-pocket cost is the difference between the amount a service provider charges and the benefit we pay. For example, if a physiotherapist charges $70 for a visit and we pay a benefit of $40, the out-of-pocket cost would be $30.
Find out moreNew memberships and upgrades of cover have waiting periods, including two months for all extras services (unless specified), six months for some services like Active Health Bonus and optical, twelve months for major dental and prostheses, and two years for laser eye surgery. Waiting periods can differ between levels of cover.
Find out moreAt Union Health we offer an Active Health Bonus as a reward for completing an online health assessment. Members on combined hospital and extras products (excluding Basic Extras) can use this bonus to pay for out-of-pocket costs for extras treatments, up to the annual limit.
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Why choose Silver+ No Pregnancy Hospital
Enjoy shorter hospital wait times and a high level of care with Australian private hospitals. This cover stands alone or you can combine it with one of our extras covers to unlock your Active Health Bonus* to spend on extras out-of-pocket expenses – the choice is yours! *Bonus is not available with Basic Extras.
Comfort and care
Reduced medical costs
Peace of mind
What's covered with Silver+ No Pregnancy Hospital
For included services we provide medically necessary inpatient treatment, accommodation, theatre fees, intensive care and hospital medication. For restricted services we pay the default benefit for accommodation and no benefit for theatre fees.
SEE ALL INCLUSIONS
What's not covered with Silver+ No Pregnancy Hospital
No benefit is payable on excluded services – including for accommodation or medical fees. Out-of-pocket costs may arise for some procedures such as robotic surgery, high-cost pharmacy or consumable items, or fees charged by medical professionals.
Why trust us with your health
As a not-for-profit and member-owned fund we understand our members needs and provide outstanding local customer service to union members and their families.
We make managing your health insurance easy with our app
Get great value cover you won't regret with quality inclusions
We have an extensive network of contracted private hospitals
Do you need a hand choosing the right cover?
Help us understand your needs and in just 20 seconds we'll match you with the perfect health cover.
Download guides
This cover has a $400 or $750 excess to reduce premium costs. For more information on limits, waiting periods and pre-existing conditions please see the product guide.
FAQs
Access Gap Cover is available with all Union Health hospital policies and aims to eliminate or cap out-of-pocket medical costs incurred during hospital admission. Medical costs are the fees your specialist or doctor charges you for your hospital treatment.
Find out moreFor new members or members upgrading their cover, a two month waiting period applies for all hospital services and home care programs. With the exception of pre-existing conditions which have a 12 months waiting period, and pregnancy and birth, which have a 9 month waiting period.
Find out moreWe have a network of contracted private hospitals that allows members to access covered services without additional costs. However, hospital contracts may vary and staying in a non-contracted hospital may incur out-of-pocket expenses. You can view our contracted hospitals below.
Find out moreSEE ALL FAQS
