Our thoughts are with the people and communities who have been impacted by the latest bushfire crisis. We’ll be in touch directly with members in affected areas or, if you have been significantly impacted, please contact us to discuss your payment options.
For all new memberships and upgrades of cover (where your new cover has higher benefits, lower excess or more services), including transfers from another fund, the following waiting periods will apply:
two months for all hospital services*, extras services, and home care programs unless specified otherwise
six months for Active Health Bonus, outpatient midwife services and optical (Family Extras, Everyday Extras, Healthy Options Extras and Mid Range Extras only)
twelve months for pre-existing ailments or conditions (excluding palliative care, hospital psychiatric services and rehabilitation), pregnancy and birth-related treatment, and prostheses
twelve months for major dental, orthodontia, orthotics, hearing aids and mechanical/health appliances
two years for refractive laser eye surgery
If you have transferred from another health fund on a comparable level of cover and have served waiting periods you will be able to claim straight away.
There are no waiting periods for accidents that occur after you join Union Health.
Some services do not apply to all levels of cover. See your product guide for details on services available on your level of cover.