Cover Inclusions

We've got everyone covered.

Everyone’s unique and your needs and concerns will be different from your mates or neighbours.

Remember to review your cover from time to time to make sure it includes the things that are important to you. It might surprise you just how much extra value you can get from your Union Health cover. Take a look at what’s available and get in touch if you need any more information. Our friendly local team is happy to help!

Hospital cover inclusions

The level of hospital cover you choose is largely a personal choice that you might make depending on government regulations, so we’re not going into that too much here.

You might need a higher level – silver or gold – to cover a particular health condition, like insulin pumps for diabetics or pain management for an extreme back condition.

But the main thing to remember here for most is just to make sure you have enough cover to avoid the Lifetime Health cover loading. And if you're a certain age, you might be eligible for some sweet age-based discounts.

Regardless of the cover you choose, all our hospital covers include:

Treatment as an inpatient in a private hospital for medically necessary treatment.
Accommodation, theatre fees, intensive care, cardiac care, government approved prostheses and hospital medication for all services included in your cover.

Tip: Before being admitted into hospital you're entitled to ask your doctor for an estimate of possible costs (called informed financial consent) and also check if they will charge you under our access gap scheme to reduce your out-of-pocket costs.

FIND A SPECIALIST

Use the search below to find out if your specialist has participated in the Access Gap Scheme.

Extras cover inclusions

Families are in a great position to squeeze loads of value from the right selection of extras. We’ve got preventative care and health assessments that will make sure your family stays well. We all know to expect the unexpected when you have busy, active kids so we’ve got extras for you to use whether they’re healthy, hurting or healing. Plus, we have some handy extras you may not even know about!

* Not all of the below extras are included in all plans. Check the app for your specific cover.

FOR WHEN YOU’RE HEALTHY:

Preventative dental and yearly check-ups
Speech therapy
Annual orthotics for little feet
Orthodontics
Massage
Optical – glasses and contacts
Acupuncture

FOR WHEN YOU’RE HEALING:

Psychological support, including hypnotherapy
Health aids such as knee braces
Antenatal physio
Pharmaceuticals
Massage\myotherapy
Physio
Occupational therapy
Orthoptics

BET YOU DIDN’T KNOW ABOUT THESE HELPFUL EXTRAS?

You can have peace of mind that your kids are covered when they’re at school with school accident cover.
General dental includes removal of those worrisome wisdom teeth at the dentist. Remember: if it's more serious and you need hospital surgery, you'll need the right hospital cover.
You can claim 100% of the cost of mouthguards at the Health Hub and our preferred providers, for up to two children each year.
Kids come first with our psychology exams for children affected by bullying or coping with life stress.
Parents-to-be and new parents can access foetal screening, midwife services and lactation consultants.
If you or your children have chronic health conditions , you may be covered for screenings, monitors and other specialised equipment.

We bet you didn't know this!

Our brand new app lets you check out exactly what you’re covered for. It’s also a one-stop shop where you can check out where you’re at with your extras limits, find a nearby provider, and see what else you might be entitled to - all from your phone. It even has a super easy way to tell your mates about Union Health – and get rewarded if they join! That could come in handy with an extra mouth to feed!

Download the Union Health app below:

Or if you’re in the market for a different cover, you can grab a quick quote using our cover calculator, right in the palm of your hand.

Find out more