Cover Inclusions

More than just great health cover.

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 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. Or you may just want enough cover to avoid paying the Medicare Levy Surcharge or Lifetime Health Cover loading that kicks in at age 30. And the younger you are when you join, you might be eligible for some sweet age-based discounts on selected covers.

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

Extras aren’t just for when you’re sick and injured – in fact, we want you to use them while you’re feeling tip-top.

No matter what your age, we have plenty of extras you can use to take proactive care of your health – and to recover quickly if you do get sick or injured. That’s the super power of extras – they help you bounce back faster.

Below is a list of some of the extras you can use to get into great shape, and stay that way. It’s important to note that not all extras are included in all covers. Check the app to see exactly what you’re covered for.

FOR WHEN YOU’RE HEALTHY:

Massage
Acupuncture
Dental
Orthotics
Optical, including hard or soft contact lenses

FOR WHEN YOU’RE HEALING:

Post-injury health aids (for example, knee brace)
Occupational therapy
Physiotherapy
Psychology, including hypnotherapy

AND DID YOU KNOW...

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.
If you play contact sports you can claim up to 100% of the cost of a new mouthguard each year.
Your extras may also pay towards screenings, monitors and specialised equipment to help with chronic health conditions.
If you need to travel more than 150km for treatment our Remote Travel Allowance helps with travel and accommodation costs when you head to the big smoke for appointments.

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 a win-win in anybody’s language.

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