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Sergei is preparing for you.....

Firstly, tell us a bit about yourself.

I want to compare private health insurance for:

Single Male Single Female Couple Single Parent Family Family

Apply the Australian Government Rebate to lower my upfront premium?Need Help?

Need Help?

Yes No

How many dependants do you have?

Are any dependants aged 21 or older and not studying full time?

Yes No

Adult dependant

Eligible dependents from age 21 to 31 can be included on your family cover. However, rules do vary from fund to fund. Depending on your circumstances, this will come at little to no additional cost. Our health insurance experts can help you find the right cover for your family. If you need a hand, give us a call on 1800 777 712

What is your taxable income?What is your, and your partners combined taxable income?Need Help?

Need Help?

Tier 0

Tier 1

Tier 2

Tier 3

Your details

What is your date of birth?

Do you currently have private health insurance cover?Need Help?

Need Help?

Yes No

Waiting periods you have already served will automatically be transferred to your new fund, and you won't need to serve them again. You’ll only need to serve waiting periods for any new or higher benefits that were not part of your old policy.

Who is your current health fund?

Does your current health cover include an Age-Based Discount?

What is an Age-Based Discount?

Yes No

Blah

Because you’re under 30, you may be eligible to receive an Age-Based discount on applicable health insurance policies. Look out for the Includes Age-Based Discount badge when you get to your comparison results.

Based on what you’ve told us, because you currently hold a policy with an Age-Based Discount, you may be eligible to retain that discount provided you choose a policy with the badge Retains Age-Based Discount when you get to your comparison results.

What was the policy start date?

Your partner's details

Your partner's date of birth

Does your partner currently hold private health insurance?Need Help?

Need Help?

Yes No

Your partner's current health fund

Does your partner's current health cover include an Age-Based Discount?

What's this?

Yes No

Based on what you’ve told us, because both you and your partner currently hold a policy with an Age-Based Discount, you may be eligible to retain that discount provided you choose a policy with the badge Retains Age-Based Discount when you get to your comparison results.

What is an Age-Based Discount?

Based on what you’ve told us, because one of you currently holds a policy with an Age-Based Discount, you may be eligible to retain that discount provided you choose a policy with the badge Retains Age-Based Discount when you get to your comparison results.

What is an Age-Based Discount?

Based on what you’ve told us, because both you and your partner are under 30, you may be eligible to receive an Age-Based discount on applicable health insurance policies. Look out for the Includes Age-Based Discount badge when you get to your comparison results.

What is an Age-Based Discount?

Based on what you’ve told us, one of you may be eligible to receive an Age-Based discount on applicable health insurance policies. Look out for the Includes Age-Based Discount badge when you get to your comparison results.

What is an Age-Based Discount?

What was the policy start date?

Switching is simple!

We'll handle the swap for you.

Change funds anytime

You can change funds whenever you like. There are no cancellation fees for Health insurance. We’ll pass all your current insurance details to your new fund, for them to take care of the transfer details.

Your waiting periods transfer with you

You won’t have to serve waiting periods again for the same level of benefits you were able to claim with your previous fund. Note: when it comes to Extras cover, any claims you have already made will be deducted from your new limits.

Get reimbursed

Your old fund will reimburse any premiums you’ve already paid in advance.

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Insurance preferences

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Don't have a Medicare card?

Get Overseas Visitor Cover >

We don’t markup prices. Ever.

If you find the same policy for a cheaper price, and buy that same policy through us, we’ll give you 110% of the difference for the first year. T&C's apply

Schedule a call with one of our Brisbane based health experts Schedule a Call

Need help finding the right cover for you? We are here to help!

Choose the benefits that are important to you, and we'll show you products tailored to your needs. Feeling uncertain about your coverage requirements? Reach out to one of our specialists today at 1800 777 712 for personalised assistance.

Please switch on at least one cover type below. No policies can be quoted without Hospital or Extras

Private hospital cover

Select the hospital inclusions that are important to you:

My cover options
I'd like minimum cover to reduce my tax

Quick select:

Start a Family

Ageing Gracefully

Clear selection

Bone, muscle and joint reconstruction

Joint reconstructions, arthroscopies, carpal tunnel surgery, broken bones

more info

Back surgery

Back and neck surgery, spinal column, spinal fusion

more info

Joint replacements

Hip or knee replacements, resurfacing

more info

In hospital rehabilitation

Post-operative, recovery, stroke recovery, cardiac rehabilitation

more info

Heart and vascular

Heart attacks, bypass surgery, angiograms, stents

more info

Cancer

Chemotherapy, tumor removal, cancer treatment

more info

Dental surgery in hospital

Wisdom teeth removal in hospital, dental implants

more info

Ear nose & throat

Sinus surgery, tonsils, adenoids, grommets

more info

Hernia & appendix

Hernia removal, appendix removal, appendicitis treatment

more info

Major eye surgery

Cataracts, eye lens, tear duct

more info

Pregnancy

Pregnancy, labour, post-natal care, C-section, inpatient obstetrician care

more info

Assisted reproduction

Infertility, IVF, GIFT, in-patient

more info

Weight loss surgery

Obesity surgery, weight loss, abdominoplasty, lipectomy

more info

Dialysis

Kidney failure, haemodialysis

more info

Medically necessary plastic and reconstructive surgery

burn grafts, cleft palate, medically necessary reconstructive surgery

more info

In hospital psychiatry

Depression, schizophrenia, eating disorders, addiction therapy

more info

Palliative care

Quality of life, dignity, terminal illness care

more info

Pain management (without device)

nerve block, in hospital pain relief

more info

Limited Hospital Cover

accidental cover, avoid paying Medicare Levy Surcharge

Limited Hospital Cover provides the most basic level of hospital cover and is generally the cheapest. It is also sufficient to avoid paying the Medicare Levy Surcharge, which is a government surcharge on the taxable income of individuals who earn over $101,000 a year and couples who earn over $202,000 a year total. However, Limited Hospital Cover products exclude a large number of benefits that other hospital policies cover as standard, and in some instances, provides cover only where you need treatment as a result of an accident.

To compare policies that provide a better level of cover, select the My cover options tab above.

Extras cover

Select the extras inclusions that are important to you:

Please select the extras benefits that are important to you

Quick select:

General Dental

examinations, cleans, fillings, x-rays

more info

Major Dental

crowns, bridges, surgical extractions, wisdom teeth, dentures

more info

Orthodontic

braces, retainers, fitting, adjustment

more info

Endodontic

root canal therapy, gum treatment

more info

Optical

frames, lenses, contacts, prescription sunglasses

more info

Physiotherapy

sport, muscles, movement, post-operative, exercise

more info

Remedial Massage

deep tissue, injury treatment, sports

more info

Chiropractic

consultations, x-rays, back manipulation, bones

more info

Acupuncture

needles, pressure points, pain relief

more info

Podiatry

feet, ingrown nails, corns, bunions

more info

Orthotics

customised insoles, corrective, supportive

more info

Psychology

mental health, consultations, pharma free

more info

Non PBS Pharmaceuticals

prescriptions, non-subsidised

more info

Lifestyle

gym, health management, skin checks, PT

more info

Eye Therapy

crossed eyes, lazy eyes, double vision, blurred vision

more info

Occupational Therapy

physical function, movement, down's syndrome

more info

Speech Therapy

communication skills, stutters, down's syndrome

more info

Hearing Aids

repair, replacement

more info

Dietetics

diet, nutrition, disease management, weight loss

more info

Health Aids & Appliances

c-pap, glucose monitors, blood pressure, crutches

more info

Next step

Please complete all required fields to continue

Living In

Cover For

You

Partner

Born

+ Add

Gov. Rebate

Hospital

and more

Extras

and more

We don’t markup prices. Ever.

If you find the same policy for a cheaper price, and buy that same policy through us, we’ll give you 110% of the difference for the first year. T&C's apply

Schedule a call with one of our Brisbane based health experts Schedule a Call

Fill in your details below to compare products

* fields are required

Your first name

Mobile number

Other number?

Landline number

Mobile number?

Your email address

Postcode

Get Prices

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Schedule a call with one of our Brisbane based health experts Schedule a Call

Living In

Cover For

You

Partner

Born

+ Add

Gov. Rebate

Inclusions

Hospital

and more

Extras

and more

We don’t markup prices. Ever.

If you find the same policy for a cheaper price, and buy that same policy through us, we’ll give you 110% of the difference for the first year. T&C's apply

Schedule a call with one of our Brisbane based health experts Schedule a Call

Oops, something seems to have gone wrong. Sorry about that! Please try again later.

Please refine your search slightly

Currently we don't have policies for pregnancy, assisted reproduction, weight loss surgery, or in-hospital psychiatry. You can try removing these from your search or contact our experts to discuss your needs on 1800 571 851.

Otherwise, you can try increasing your excess or selecting more health funds to generate results, using the filters.

We apologise for the inconvenience and are working to expand our offerings.

Discounts

Filter my preferences

Legend

Covered

Not covered

Restricted Benefits

Conditions or services which this insurance policy covers to a limited extent. The fund will pay reduced benefits on hospital admissions in a private or public hospital, meaning that if you are admitted to a private hospital or to a public hospital as a private patient for treatment that is restricted by your policy, large out of pocket expenses will apply.

Please refer to the policy brochure for more detail.

Status not yet confirmed by fund

Restricted funds provide private health insurance cover to members of a specific industry or group.

In some cases, family members and extended family are also eligible.

Please download the policy brochures for the full policy limits, inclusions and exclusions.

Some products may have changed since you last quoted with us. We have found and summarised the latest products based on what you told us was important to you.

Schedule a call with one of our Brisbane based health experts Schedule a Call

Your Chosen Policy

Your quote details

Your Details

Name as it appears on your Medicare Card

Title

First Name

Middle Initial

Last Name

Date of Birth

Gender

Male Female

Residential Address

Postcode

Unit Type

Unit/Shop/Level Number

Street Number

Street Name

Street Address

Suburb

Tick here if you are unable to find the address

My postal address is the same

Postal Address

Postcode

Unit Type

Unit/Shop/Level Number

Street Number

Street Name

Postal Address

Suburb

Tick here if you are unable to find the address or would like to enter a PO Box address

Mobile Number

Other Number

Email Address

(we'll send your confirmation here)

No email address

Stay up to date with news and offers direct to your inbox

How would you like the Fund to send you information?

Email Post SMS

Current private health cover

Do you currently hold Private Health Insurance?Need Help?

Need Help?

Yes No

What type of cover do you currently have?

Hospital & Extras Cover Hospital Cover Extra Cover

Is your hospital and extras cover with the same fund?

Yes No

Have you ever held private hospital cover?Need Help?

Need Help?

Yes No

Full applicable LHC will be applied to your policy until your new fund receives a transfer certificate from your previous fund, it will then be adjusted from the start date of your policy and you will be credited any amount you have overpaid.

Hospital cover

Who is your current health fund?

Membership Number

Does your current hospital cover include an Age-Based Discount?

Yes No

What was the policy start date?

I authorise the fund to contact my previous fund to obtain a clearance certificateNeed Help?

Extras cover

Who is your current extras cover provider?

Membership Number

I authorise the fund to contact my previous extras fund to obtain a clearance certificateNeed Help?

Have you had continuous private hospital cover since 1 July 2015 or 1 July following your 31st birthday?Need Help?

Need Help?

Yes No

Have you ever held private hospital cover?Need Help?

Need Help?

Yes No

Based on your answers it looks like you may be affected by the Government Lifetime Health Cover loading, please enter the approximate date ranges you have held private hospital cover so we can estimate the impact on your premiums.

Based on your answers, you may be affected by LHC. The LHC amount will be shown in the premium on the next page, if applicable.

I don't know the date ranges for the periods that I have held private hospital insurance in the pastNeed Help?

What colour is your Medicare card?Need Help?

Need Help?

Yellow card holders (reciprocal) have limited Medicare access and no benefit if you elect to be treated as a private patient in either a private or public hospital. You may choose private hospital cover for tax-purposes as the Medicare levy surcharge may still otherwise apply.

Medicare Card Green

Green

Medicare Card Blue Interim

Blue
(Interim card)

Medicare Card Green/Yellow Reciprocal

Green/Yellow
(Reciprocal health care - Visitor)

No Medicare card

None of the above

Use of the Medicare card image is for demonstrative purposes only and is not an endorsement from the Commonwealth.

Medicare card number and expiry

Your Medicare Card Number

Medicare Expiry Date

# and name on Medicare card

Position you appear on your medicare card

First Name

Middle Name

Last Name

Your Partner's Details

Name as it appears on your Medicare Card

Title

First Name

Middle Initial

Last Name

Date of Birth

Gender

Male Female

Would you like to give your partner authority to make claims, changes or enquire about the policy on behalf of anyone listed on the policy?

Yes No

Partner's current private health cover

Does your partner currently hold Private Health Insurance?Need Help?

Need Help?

Yes No

What type of cover does your partner currently have?

Hospital & Extras Cover Hospital Cover Extra Cover

Is your partner's hospital and extras cover with the same fund?

Yes No

Has your partner ever held private hospital cover?Need Help?

Need Help?

Yes No

Full applicable LHC will be applied to your policy until your new fund receives a transfer certificate from your partner's previous fund, it will then be adjusted from the start date of your policy and you will be credited any amount you have overpaid.

Hospital cover

Partner's Current Health Fund

Membership Number

Does your partner currently hold a policy which has an Age Based Discount?

Yes No

What was the policy start date?

My partner authorises the fund to contact their previous fund to obtain a clearance certificateNeed Help?

Extras cover

Who is your partner's current extras cover provider?

Membership Number

My partner authorises the fund to contact my previous extras fund to obtain a clearance certificateNeed Help?

Has your partner had continuous private hospital cover since 1 July 2015 or 1 July following their 31st birthday?Need Help?

Need Help?

Yes No

Has your partner ever held private hospital cover?Need Help?

Need Help?

Yes No

Based on your answers it looks like your partner may be affected by the Government Lifetime Health Cover loading, please enter the approximate date ranges your partner has held private hospital cover so we can estimate the impact on your premiums.

Based on your answers, your partner may be affected by LHC. The LHC amount will be shown in the premium on the next page, if applicable.

I don't know the date ranges for the periods that my partner has held private hospital insurance in the pastNeed Help?

Your Dependants' Details

You have not added any dependants but have selected a cover type that requires them.

If you do not wish to add any dependants, you can search for suitable policies by changing your cover type.

If you wish to continue, please add your dependants now.

Are your dependants covered on the primary member's policy?

Yes No

Australian Unity requires you to notify them immediately if the Student Dependant ceases or defers fulltime study, gets married or enters a de-facto relationship. You also need to re-register each student, each year, until the Student Dependant’s 31st birthday or until they no longer qualify. Once the Student Dependant turns 31, they will automatically be removed from the membership.

Add New Dependant

When completed, confirm your new income tier

What is the estimated taxable income for your household for the financial year 1st July 2025 to 30 June 2026?

Tier 0

Tier 1

Tier 2

Tier 3

Remember: Premiums will rise from . You must select a cover start date and payment date before to be eligible for the lower rate on your first payment

When to start your cover

Cover start date

Proceed to Payment

Please complete all required fields to continue

Your Chosen Policy

Your quote details

We don’t markup prices. Ever.

If you find the same policy for a cheaper price, and buy that same policy through us, we’ll give you 110% of the difference for the first year. T&C's apply

Schedule a call with one of our Brisbane based health experts Schedule a Call

Your Chosen Policy

Your quote details

Payment Details

Payment method

Credit Card Bank Account

How often would you like to make payments

Do you want to supply bank account details for claims to be paid into

Yes No

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Secure transaction

This is a secure 128-bit encrypted transaction

Thank you for registering your credit card details with .

We were unable to register your credit card details. Please try again or call us 13 32 32.

We now need to register your credit card through in order to process your payment. Please be assured that your personal and financial information is treated as highly confidential and stored in accordance with data protection regulations.

Credit Card Type

Visa Mastercard AMEX

Name on Credit Card

Credit Card Number

Credit Card Expiry

CCV numberNeed Help?

Need Help?

We now need to register your credit card through Bambora Custom Checkout in order to process your payment. Please be assured that your personal and financial information is treated as highly confidential and stored in accordance with data protection regulations.

Credit Card Details

Secure transaction

This is a secure 128-bit encrypted transaction

Bank Name

Account Name

BSB and Account Number

BSB

Account Number

Would you like your claim refunds paid into the same account?

Yes No

Please nominate a bank account for future claim payments

Secure transaction

This is a secure 128-bit encrypted transaction

Bank Name

Account Name

BSB and Account Number

BSB

Account Number

What day would you like your payment deducted?

It can take up to 6 days to set up your direct debit so your payment may not be deducted until the following month if you chose a date within this time frame

What day would you like your payment deducted?

It can take up to 6 days to set up your direct debit so your payment may not be deducted until the following month if you chose a date within this time frame

What day would you like your payment deducted?

Declaration for

Australian Government Rebate Form

Do you authorise ahm Health Insurance to lodge the rebate form on your behalf?

Accept join declaration

I can confirm that I have read and understood the Join Declaration and the information relating to my product choice. I declare that the information I have provided is true and correct.

Do you want to be contacted by Provider?

Yes No

What's Next?

You are so close to purchasing health insurance! Want to know what happens next?

Here is some information from your provider about what happens next.

Submit Application

Please complete all required fields to continue

Your Chosen Policy

Your quote details

We don’t markup prices. Ever.

If you find the same policy for a cheaper price, and buy that same policy through us, we’ll give you 110% of the difference for the first year. T&C's apply

Schedule a call with one of our Brisbane based health experts Schedule a Call

We don’t markup prices. Ever.

If you find the same policy for a cheaper price, and buy that same policy through us, we’ll give you 110% of the difference for the first year. T&C's apply

Normal Opening Hours

Changes To Opening Hours

Call us on

1800 777 7121800 427 419

We can help you

Sergei is preparing for you.....

Firstly, tell us a bit about yourself.

Your details

Your partner's details

We don’t markup prices. Ever.

Need help finding the right cover for you? We are here to help!

Choose the benefits that are important to you, and we'll show you products tailored to your needs. Feeling uncertain about your coverage requirements? Reach out to one of our specialists today at 1800 777 712 for personalised assistance.

Private hospital cover

My cover options

I'd like minimum cover to reduce my tax

Extras cover

We don’t markup prices. Ever.

Fill in your details below to compare products

We don’t markup prices. Ever.

Please refine your search slightly

Your Chosen Policy

Your quote details

Your Details

Residential Address

Postal Address

Current private health cover

Hospital cover

Extras cover

Your Partner's Details

Partner's current private health cover

Hospital cover

Extras cover

Your Dependants' Details

When completed, confirm your new income tier

When to start your cover

Your Chosen Policy

Your quote details

We don’t markup prices. Ever.

Your Chosen Policy

Your quote details

Payment Details

Secure transaction

Secure transaction

Please nominate a bank account for future claim payments

Secure transaction

Declaration for

Accept join declaration

What's Next?

Your Chosen Policy

Your quote details

We don’t markup prices. Ever.

We don’t markup prices. Ever.