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  1. Therapies
  2. Chiropractic
T-chiropractic

Modal - Bronze+ Young Choice - - Physiotherapy, Traditional & complimentary therapies, Massage therapies, Osteopathy, Chiropractic, Mental wellness

*Massage Therapies and traditional & complimentary therapies have a combined annual sub limit of $200 per person or $400 per membership which contributes to the overall annual limit of $450.

Massage Therapies refers to remedial massage, shiatsu, Alexander Technique and myotherapy. 

Traditional & complimentary therapies refers to acupuncture, Chinese herbal medicine, western herbal medicine and naturopathy. 

Mental wellness refers to psychology, hypnotherapy and counselling benefits.

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Why choose Bronze+ Young Choice

Enjoy shorter hospital wait times that can be over a year long in public hospitals and a high level of care with Australian private hospitals, plus access to benefits for dental, optical and more.

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Comfort and care

Enjoy the flexibility of choosing your own doctor and which hospital you would like to attend.
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Extras bonus

Get rewarded with the Active Health Bonus to use on out-of-pocket extras expenses.
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Reduced medical costs

Enjoy lower or no out-of-pocket costs for in hospital specialist/doctor fees with Access Gap Cover.

What's covered with Bronze+ Young Choice

For included hospital services we provide medically necessary inpatient treatment, accommodation, theatre fees, intensive care and hospital medication. For restricted hospital services we pay the default benefit for accommodation and no benefit for theatre fees.

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What's not covered with Bronze+ Young Choice

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.

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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.

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We make managing your health insurance easy with our app

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Get great value cover you won't regret with quality inclusions

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We have an extensive network of preferred providers

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.

Use recommendation tool

Download guides

This cover has a $250 hospital excess to reduce premium costs. Extras limits reset annually on January 1. For more information on limits and waiting periods please see the product guide. 

Product Guide

Important information

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.

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A list of preferred providers can be found here. We allow you to use any registered optometrist, dentist, physiotherapist or podiatrist in Australia. For other health care services such as chiropractic, massage, etc, benefits are paid for treatment by registered practitioners in private practice and recognised natural therapists approved by Union Health.

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We 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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At Union Health we offer an Active Health Bonus as a reward for completing an online health assessment. Members on combined hospital and extras products (excluding Basic Extras) can use this bonus to pay for out-of-pocket costs for extras treatments, up to the annual limit. 

Find out more

SEE ALL FAQS

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FAQs

Modal - Healthy Options Extras - - Traditional & complimentary therapies, Massage therapies, Osteopathy, Chiropractic, Mental wellness, Podiatry

Massage Therapies refers to remedial massage, shiatsu, Alexander Technique and myotherapy. 

Traditional & complimentary therapies refers to acupuncture, Chinese herbal medicine, western herbal medicine and naturopathy. 

Mental wellness refers to psychology, hypnotherapy and counselling benefits.

 

Modal - Basic Extras - - Physiotherapy, Massage therapies, Osteopathy, Chiropractic, Mental wellness, Pharmaceuticals

Get the most out of your cover with a $400 flexi-limit on grouped therapies so you can focus on what you need.

Massage Therapies refers to remedial massage, shiatsu, Alexander Technique and myotherapy. 

Mental wellness refers to psychology, hypnotherapy and counselling benefits.

 

Get a quote

Why choose Basic Extras?

Access benefits for everyday services such as dental, optical, massage therapy and more. This cover stands alone or you can combine it with one of our hospital covers — the choice is yours!

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100% back on glasses

Cover for a complete set of prescription glasses with a $180 annual limit on optical.
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Scale and clean

No out-of-pocket expenses on preventative dental up to the annual limit at preferred providers.
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More flexibility

Look after your body with a $400 annual flexi-limit on therapies such as massage.

What's covered with Basic Extras

SEE COVER DETAILS

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.

section4-c.png

We make managing your health insurance easy with our app

section4-c.png

Get great value cover you won't regret with quality inclusions

section4-c.png

We have an extensive network of preferred providers

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.

Use recommendation tool

Download guides

Extras limits reset annually on January 1. For more information on limits and waiting periods please see the product guide.

Product Guide

Important information

FAQs

A list of preferred providers can be found here. We allow you to use any registered optometrist, dentist, physiotherapist or podiatrist in Australia. For other health care services such as chiropractic, massage, etc, benefits are paid for treatment by registered practitioners in private practice and recognised natural therapists approved by Union Health.

Find out more

An extras out-of-pocket cost is the difference between the amount a service provider charges and the benefit we pay. For example, if a physiotherapist charges $70 for a visit and we pay a benefit of $40, the out-of-pocket cost would be $30. 

Find out more

New memberships and upgrades of cover have waiting periods, including two months for all extras services (unless specified), six months for some services like Active Health Bonus and optical, twelve months for major dental and prostheses, and two years for laser eye surgery. Waiting periods can differ between levels of cover.

Find out more

SEE ALL FAQS

Get in touch

Call us

Email us

FAQs
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