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Union Health insurance at a glance

  • Union Health is a not-for-profit, member-owned health fund open to all current or former union members and their families.
  • Fast and easy claiming through the Union Health app.

About Union Health insurance

Union Health is a member-owned, not-for-profit health fund formed to support Australian union members and their families. Powered by trusted insurer TUH, Union Health wants to keep health insurance simple and stress-free while bringing great value to its members.

What does Union Health insurance cover?

Union Health offers a range of hospital, extras and combined cover policies to suit a range of lifestyles and budgets. Union Health has partnered with a large selection of private hospitals across Australia and strives to provide its members with a range of no-gap services.

Hospital cover

With Union Health hospital cover, you’re covered for treatment in hospital as a private patient for services listed on the Medicare Benefits Schedule (MBS), provided the treatment is included in your policy.

Union Health offers a range of Basic Plus, Bronze Plus, Silver Plus and Gold policies (only available when combined with extras cover), so no matter your budget or circumstances, they have a policy that may meet your needs.

Extras cover

Union Health extras policies cover you for treatment outside hospital for healthcare services that aren’t listed on the MBS. This includes services like dental, optical and physiotherapy. A Union health extras policy will pay a dollar amount or percentage benefit on covered extras services (up to your annual limit).

Union Health offers a broad range of extras cover options tailor-made for a variety of life stages and health needs. For instance, their high level extras come with no annual limits on general dental services, meaning you can claim as often as you want and receive the same benefit. They also offer 100% back on new glasses up to your annual limit on all extras products.

This information is current as of December 2022. For the full details of what’s covered on a Union health insurance policy, refer to the relevant policy documents.

Why choose Union Health insurance?

  • Take advantage of Member discounts with their Mates Rates programs.
  • Receive an Active Health Bonus on select policies when you complete an online health assessment.
  • Eligible policies have access to Pregnancy to Parenthood, a 12-month personalised parenting guide.

Frequently asked questions

Is ambulance cover included with Union Health insurance?

Yes, Union Health does provide cover for emergency ambulance services on their combined policies, but how you’re covered will depend on your state of residence. If you live in a state with an ambulance subscription, you can claim the cost of the subscription under the Health Management category on an eligible extras policy.

If you live in a state that charges an ambulance levy (ACT and New South Wales), ambulance services are covered on your hospital insurance policy. To be covered for ambulance services outside of your state of residence, you may need a combined hospital and extras policy.

Does Union Health insurance cover pre-existing conditions?

Yes, Union Health will cover you for pre-existing conditions, provided you’ve served the relevant waiting periods and the condition is deemed pre-existing. Hospital services relating to a pre-existing condition have a standard waiting period of 12 months across all health funds. This doesn’t include rehabilitation, psychiatric or palliative care, which have a 2-month waiting period regardless.

Having a pre-existing condition won’t affect your waiting periods or eligibility for extras services.

Does Union Health insurance have waiting periods?

For hospital services, waiting periods are standard across all health funds. That’s 12 months for pre-existing conditions (excluding rehabilitation, psychiatric and palliative care) and pregnancy, and 2 months for everything else.

The waiting periods on extras products will depend on your level of cover and will differ between the services covered. When you switch or upgrade to a Union Health policy, you may not have to re-serve your waiting periods for the same or lower level of cover.

How do I make a health insurance claim with Union Health?

When you’re treated in hospital, and your doctors and specialists agree to charge you under the Access Gap Cover Scheme, they’ll charge Union Health directly, who will then contact you to arrange payment of any excess or out-of-pocket costs.

If your doctor doesn’t participate in the Scheme, you may get billed directly. In that case, you can fill out and submit a claim form by post or email and be reimbursed for your benefit entitlement.

You can usually claim on the spot for extras services at your healthcare provider’s HICAPS or HealthPoint machine. If this option isn’t available, you can also submit a claim online or through Union Health’s smartphone app.

How can I pay for my Union Health insurance and is it cheaper to pay my premium annually?

You can choose to pay your Union Health premiums by direct debit either fortnightly, monthly, quarterly or half-yearly. If you choose to pay your premiums six months in advance and your premiums increase during that period, you won’t have to pay any extra until your next payment.

Do I have to pay an excess with Union Health insurance?

Yes, you will most likely need to pay an excess when you’re admitted to hospital and claim on your health insurance policy. This excess is only payable once per adult per calendar year, and no excess is charged for dependants.

On select policies, you can choose the excess you pay from a range of options. When you choose a lower excess, you will pay a high premium and vice versa. If you don’t think you’ll be admitted to hospital any time soon, you might consider choosing a higher excess and benefit from a reduced premium.

How do I cancel my Union Health insurance?

To cancel your Union Health insurance policy, give Union Health a call, and their customer service team will walk you through the cancellation process. However, depending on your reason for cancelling, you might want to consider suspending your cover instead.

When you suspend your health insurance policy, you’re no longer covered and won’t have to pay any premiums. However, you also won’t accrue any days towards the Lifetime Health Cover loading, and you won’t have to re-serve any waiting periods when you resume your Union Health policy. You can suspend your cover for scenarios like overseas travel or financial hardship.

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