Your quote:
No Hospital + No Extras
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Why choose Bronze+ Young Choice

Enjoy shorter hospital wait times that can be over a year long in public hospitals and a high level of care with Australian private hospitals, plus access to benefits for dental, optical and more.

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Comfort and care

Enjoy the flexibility of choosing your own doctor and which hospital you would like to attend.
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Extras bonus

Get rewarded with the Active Health Bonus to use on out-of-pocket extras expenses.
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Reduced medical costs

Enjoy lower or no out-of-pocket costs for in hospital specialist/doctor fees with Access Gap Cover.

What's covered with Bronze+ Young Choice

For included hospital services we provide medically necessary inpatient treatment, accommodation, theatre fees, intensive care and hospital medication. For restricted hospital services we pay the default benefit for accommodation and no benefit for theatre fees.

Please note effective 1 January 2025 Insulin pump benefits will be removed from this product.

SEE COVER DETAILS

What's not covered with Bronze+ Young Choice

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.

  • Pregnancy and birth
  • Back, neck and spine
  • Heart and vascular system
  • Joint replacements

SEE ALL EXCLUSIONS

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.

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We make managing your health insurance easy with our app

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Get great value cover you won't regret with quality inclusions

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We have an extensive network of preferred providers

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Download guides

This cover has a $250 hospital excess to reduce premium costs. Extras limits reset annually on January 1. For more information on limits and waiting periods 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 more

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.

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We 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.

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At 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. 

Find out more

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