Cover Inclusions

Now, more than ever, we're here for you.

Everyone’s unique and your needs and concerns may change over time.

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 your needs.

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.

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

We’ve pulled together these extras with our more mature members in mind, especially for the needs that might arise as you get a little more…wise. So you can stay in great shape and recover quickly when you need to.

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

FOR WHEN YOU’RE HEALTHY:

Group physio classes
Health and wellbeing screenings
Active Health Bonus - to make your extras go even further
Hearing tests and aids
Preventative and major dental
Hydrotherapy
Massage
Optical – glasses and contacts
Podiatry and orthotics
Health & Wellbeing screenings

FOR WHEN YOU’RE HEALING:

Home nursing
Osteopathy
Speech and occupational therapy
Pharmaceuticals
Physiotherapy
Psychology

BET YOU DIDN’T KNOW ABOUT THESE HELPFUL EXTRAS:

You can claim a remote travel allowance to help cover the costs of transport and accommodation if you need to travel more than 150km for medical appointments
Need a Medical Alert bracelet? Covered!
Can’t sleep? We can help you get your hands on anti-snore devices and CPAP machines.

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's not to be sneezed at!

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