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Compare Australian Unity health insurance

How Australian Unity Health rates for member complaints, gap cover and ambulance.

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Australian Unity summary

A mutual company, Australian Unity has a 175-year history in Australia and 345,000 members nationwide. It is part of Members Own Health Funds, an alliance of 15 nonprofit and mutual health funds that promotes the benefits of funds that reward members rather than investors or overseas owners.

Australian Unity contact details

Phone: 113 29 39



Is Australian Unity nonprofit?

No, but as a mutual company it returns profits to benefit members.

Does Australian Unity get many complaints from members?

Australian Unity complaints rating: High

When we score policies we give each fund a complaints rating, based on the number of complaints and serious disputes the Ombudsman deals with. We take into account the size of the fund, so big funds don't get automatically penalised for having more complaints.

  • The ratings are Low, Medium and High. A Low rating is better than a High rating – it means the fund has fewer complaints and fewer serious disputes for its size.
  • The infographic below shows the complaints about the fund to the Ombudsman as a percentage of all complaints. Complaints can be about benefits or customer service. The most serious complaints are escalated for investigation.
  • The higher the share of complaints a fund receives above its market share, the worse its performance compared to other funds. If its share of complaints is below its market share, that's a better result.

How good is Australian Unity's gap cover?

A medical gap is the difference between Medicare's recommended fee and what your doctor actually charges for a treatment or service.

Health funds have agreements with particular doctors and hospitals to cover all of the gap, which are called 'no gap agreements', or part of that gap, which are called 'known gap agreements' (these will have lower out-of-pocket costs, usually less than $500).

Our graphic below displays the CHOICE gap rating, which takes into account the percentage of services where members either paid no gap or a known gap, compared to the state average.

Rating scale

  • Above average
  • Average
  • Below average
  • Well below average

We also display the percentage of medical services that Australian Unity covers with no gap, and compare it to the industry average. The higher the percentage, the more effective the fund's gap scheme is in a state or territory.

How many hospital agreements does Australian Unity have in my state?

The benefit amount your fund pays you for hospital services depends not only on the type of cover you buy, but also whether your fund has an agreement with the hospital where you're treated. 

The table below shows how many hospital agreements Australian Unity has in your state compared to the fund with the highest number (the industry maximum). Note that public hospitals don't have agreements with specific funds and are generally treated as though they're agreement hospitals.

Does Australian Unity offer any discounts?

Discount for direct debit: 4%

Discount for annual prepay: 4% (not in addition to above)

Total discount for annual prepay via direct debit: 4%

Does Australian Unity offer ambulance cover?

All Australian Unity hospital and combined policies cover emergency ambulance in all states.

Cover is capped for:

  • Care'n'Repair – $1000 limit per person per year 
  • Smart Start – $1000 per person per year 
  • Basic Saver – One emergency claim per year.

 Does Australian Unity offer family policies that cover adult children?

Yes, adult children are covered up to age 21 and up to age 25 if in full-time study.

Does Australian Unity let you claim online or in-app?

Online claiming and app (iOS and Android) for dental, optical, physio, chiro, osteo, podiatry, speech / eye / occupational therapy, acupuncture, myotherapy, shiatsu, naturopathy, remedial massage, dietetics.

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