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Pay less with Private Hospital Insurance

If your income exceeds $93,000 annually (or $186,000 for couples and families), taking out private hospital cover is a wise financial choice. Escape paying the Medicare Levy Surcharge, which can range from 0 to 1.5% of your annual income, by securing hospital cover and enjoy the peace of mind that comes with it.


Shorter wait times

Enjoy reduced wait time for elective surgery which can be over a year long in the public hospital system.

Reduced medical costs

Take advantage of lower or no out-of-pocket expenses for in hospital specialist/doctor fees with our Access Gap Cover.

Freedom of choice

Choose your doctor and attend a hospital where you’re more likely to be given your own private room.

Find the right level of cover for you

Health insurance can be overwhelming so let's keep things simple. Unsure what level of cover need? See our suggested cover for tax purposes below.

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.

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So how does hospital cover work?

When you're admitted to a hospital as a private patient, your hospital cover assists in covering the expenses for medical services. That's why it's important to be aware of what is covered and what isn't.

Watch the video below to discover why you should take out Private Hospital Insurance before the age of 31.

Choose Union Health to have your back

We take the complexity out of health insurance with great value health cover, outstanding local customer service and the ability to manage it all from your pocket with the Union Health App.