Why choose Basic+ 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
Avoid any additional tax costs
What's covered with Basic+ 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.
Dental surgery
Hernia and appendix
Joint reconstructions
Tonsils, grommets and adenoids
Hospital psychiatric services
Palliative care
Rehabilitation
What's not covered with Basic+ 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.
- Ear, nose, throat
- Bone, joint, muscle
- Lung and chest
- Kidney and bladder
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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.
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This cover has a $500 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 moreThe Medicare Levy funds public healthcare in Australia. Those earning above a $97,000 a year (or $194,000 for couples and families) have to pay the Medicare Levy Surcharge (MLS) unless they have private hospital cover. The surcharge amount varies based on income and is designed to incentivise those with higher incomes to take out private healthcare.
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, and pregnancy and birth, which have a 12 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.
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