Clinical categories

Clinical categories help organise medical treatments into groups, deciding which treatments are covered by private health insurers. As of April 2020, the Australian government has categorised all hospital insurance products into four tiers: Gold, Silver, Bronze, and Basic. Each tier must include a minimum number of treatments set by the government.  

However, health funds can offer more coverage than the minimum. They have the flexibility to offer additional coverage beyond the Basic, Bronze, and Silver tiers, denoting such extensions with a 'plus' or ‘+’ label. That's what Union Health has chosen to do. See our hospital covers.