COVID-19: What you need to know
Our response
Supporting members through COVID-19
As a member owned health fund, we’re committed to the wellbeing of our members and keeping more money in their pockets. We’re planning to defer the 2023 premium increase by seven months from 1 April 2023 to 1 November 2023. This is in addition to:
- a six-month deferral of the 2020 premium increase,
- a lower than industry average premium increase in 2021,
- return of claim savings by way of five premium-free days in 2021,
- a range of ancillary (extras) product initiatives,
- cover for COVID-19 related hospital admissions, and
- recognition of telehealth consultations as a feature of ancillary policies—now a permanent feature for Australian Unity health insurance members.
We’ll be notifying members about how the planned deferral will impact them.
Ways to use your Extras Cover
Our health partner Remedy Healthcare have delivered telehealth services for over 10 years, offering our members mental health support, health coaching and parenting advice, in the safety and comfort of their own homes. Recently, Remedy have developed telehealth physiotherapy and dietetics to meet the growing need for remotely delivered care.
These consultations can help you:
- learn more about your condition, including how to manage it
- get to grips with your posture, stretches and strengthening exercises
- set goals for becoming more physically active
- understand workplace ergonomics in your home
- check in on progress and be reassessed to help you stay on track
- manage food intolerances and weight management
For more information and to make a booking, click here.
COVID-19 Health Advice Hotline
Our members can talk to expert health professionals employed by Remedy Healthcare who can provide information and advice about COVID-19. These clinically trained professionals can help identify support resources in your local area and provide advice on coping with social distancing, self-isolation and staying connected through COVID-19. Please call on 1300 665 780 Monday to Friday 9am-5pm AEST.
COVIDSafe app
The Australian Government has released the COVIDSafe app to speed up the process of contacting people exposed to COVID-19. Australian Unity is encouraging its employees, customers and the community to help slow the spread of COVID-19 by downloading the app. To find out more about the COVIDSafe app and how to download it, visit the Department of Health website.
Access to mental health support
As part of your Hospital cover you may have access to Mindstep®, a confidential, phone-based program, delivered by specially trained mental health coaches designed to support members in adjusting to life’s challenges. Please check your product Fact Sheet to see if you’re covered, then contact the Mindstep team on 1800 322 278 to confirm your eligibility or visit https://www.remedyhealthcare.com.au/welcome-to-mindstep to arrange a call at your preferred time.
Non-urgent elective surgery
To see the latest information in relation to restrictions put in place for non-urgent elective surgery in private and public hospital please refer to these websites:
- Federal Department of Health
- NSW Health
- VIC Health and Human Services
- QLD Health
- SA Health
- WA Health
Our people
We're lucky that the majority of our staff can work from home and continue to deliver for our customers. Importantly, this helps us minimise the risk of infection both for our people and the community more broadly. We are also providing our staff with a range of support services and special leave arrangements if they are impacted by COVID-19.
Need to get in touch?
We know that many people are experiencing long wait times when trying to call us and understand this can be frustrating. For advice on the best way to contact us for specific services and questions please refer to our Contact Us resource page.
Keeping informed
We are closely monitoring advice from the Government and likewise, we advise that you also follow government health updates, as this situation is evolving, and advice is being regularly updated. We've added a COVID-19 section to our website so you can stay up-to-date on what we're doing in response to COVID-19, support options and other information. We'll be updating this page regularly so please continue to check in for the latest information.
This is new to all of us so as the situation changes we will continue to review how we can best help. Thanks for your patience and understanding as we support our customers, staff and our community to stay safe and healthy.
General info
COVID-19, also known as coronavirus, is top of mind for many of us now. Please understand that Australian Unity is continuing to take this situation very seriously. We are actively monitoring the situation and taking measures to do what’s right for our customers, members and employees.
Novel coronavirus is part of a group of viruses that typically affect the respiratory tract and are associated with the common cold and pneumonia. According to the World Health Organisation, the official name of the virus is “COVID-19”.
As an organisation that supports our customers, members and employees in the community and their homes, it is important to be informed about this virus and to take active measures to minimise its impact.
We are closely monitoring advice from the Government and likewise, we advise that you also follow government health updates, as this situation is evolving, and advice is being regularly updated.
We spoke with Nancy Huang, Chief Medical Advisor for Australian Unity, who answered some frequently asked questions about the virus, its effects, and what can be done to avoid and limit exposure.
What are the symptoms of COVID-19?
The symptoms are like those of cold or a flu affecting the respiratory tract. The most common symptoms are fever, breathing difficulties such as breathlessness, cough and a sore throat.
The virus spreads from droplets transmitted by an infected person coughing or sneezing, or by contact with contaminated hands, clothing, surfaces or objects.
How can people avoid contracting it or spreading infection?
The virus spreads from human-to-human via close contact, respiratory droplets or bodily fluids.
Contact with people while they are infectious directly through contact with droplet or bodily fluids, or indirectly from surfaces contaminated with these substances, can lead to infection.
Here are three important things you can do immediately to protect yourself and others from infection.
- Maintain really good personal hygiene practices. Wash your hands thoroughly with soap and water regularly for 20 seconds, especially whenever you cough, sneeze or blow your nose, prepare food or eat, touch your face, or use the toilet. You might want to do it while singing “Happy Birthday” quickly twice – that takes just over 20 seconds to do. Cough and sneeze into the crook of your arm or tissue, and dispose of it in a bin, and wash your hands. And avoid touching your face during the day.
- Social distancing. This means trying to stay away from group gatherings and keeping your distance from people in public of about 2 metres or 3 steps away. This means no hand shaking or touching other people and avoid touching public surfaces where others may have been.
- Where possible, work from home. If you have symptoms or a temperature, work from home. Contact your manager, and stay away from the office, other workers and customers until you are symptom-free. See a doctor if you are concerned.
What should you do if you’re concerned you may have contracted COVID-19?
Please seek medical advice urgently, put on a face mask and avoid close contact with anyone.
Key information for you
- If you have experienced flu-like symptoms or had close contact with someone with confirmed coronavirus, please seek medical advice urgently, put on a face mask and avoid close contact with anyone for 14 days, or until you have been cleared by your doctor.
For more information, please use these government resources:
- Federal Department of Health
- NSW Health
- VIC Health and Human Services
- QLD Health
- SA Health
- WA Health
Information provided in this article is not medical advice and you should consult with your healthcare practitioner. Australian Unity accepts no responsibility for the accuracy of any of the opinions, advice, representations or information contained in this publication. Readers should rely on their own advice and enquiries in making decisions affecting their own health, wellbeing or interest.
FAQs
Correct as of 1 April 2021. We will continue to update these FAQ’s as the COVID-19 situation evolves.
Please note, the below FAQs apply to standard private health insurance only. If you are an Overseas Visitors Cover customer please visit here.
What Extras services can I now claim benefits for as telehealth consultations?
Many health providers have started delivering their services over the phone or using video conferencing. Australian Unity pays benefits towards some Telehealth services, where this type of delivery is deemed appropriate by your health provider. The following treatments are eligible for benefits where the consultation can be appropriately delivered as a telehealth appointment: Dietetics, Exercise Physiology, Nutrition, Occupational Therapy, Physiotherapy, Psychology and Speech Therapy. Terms and conditions apply. To check your eligibility, please review your fact sheet or contact Australian Unity on 13 29 39.
How do I claim for telehealth services?
If you’re an existing member already using Online Member Services (OMS) or our app you can submit as you would an Extras claim electronically.
Alternatively, you can complete a health cover claim form and email the completed form along with photos of the receipts to customerservice@australianunity.com.au.
Most claims will be paid into your nominated bank or credit union account within 7 business days.
How is elective surgery being impacted?
To see the latest information in relation to Federal Government restrictions put in place for non-urgent elective surgery in private and public hospital please refer to the Department of Health website.
Can I suspend my policy if I am unable to re-enter the country?
Normally, if you have hospital (or combination) cover with Australian Unity, you can suspend your membership (for all members on the cover) prior to your departure overseas for a minimum of 2 months and reinstate it on your return, without having to re-serve any of the waiting periods you’ve already served. You won’t pay any premiums during the time your cover is suspended; however you also won’t be able to claim on any hospital or extras services.
There are a few criteria that, under normal circumstances, apply for an overseas suspension. However, we understand that current times are certainly not normal. If you do not fit these criteria and are unable to return to Australia due to the current COVID-19 crisis, please call us on 13 29 39 to find out about relevant support options.
I am unable to return to the country and want to apply to suspend my policy, however I am unsure of the date when I will return. What date should I list as my return date on the membership suspension form?
We understand that with the current COVID-19 crisis, for many people their return date will be uncertain. If you are unsure when you will return to Australia, we recommend that you list a return date that is longer than you would realistically expect to be away (the maximum suspension period is 2 years). On your return to Australia you must then contact Australian Unity to notify us of your return and request for your cover to recommence. You will also need to send us a copy of your proof of arrival, such as an airline ticket or official itinerary from an airline or travel agent. If you do not contact us your cover will not recommence until the return date you nominated.
What is the best way for me to submit a paper claim?
The best way for you to submit a paper claim is to complete a Health Cover Claim form and take photos of all relevant receipts. Then email the form and receipts to us at
customerservice@australianunity.com.au
If you’re an existing member already using Online Member Services (OMS) or our app you can also submit your claim electronically.
Please do not submit paper claims by post at the present time as this may significantly delay processing.
Will my claims be delayed?
Most claims will be paid into your nominated bank or credit union account within 7 business days. You’ll receive an SMS to let you know your claim has been paid.
Please do not use post to submit claims as this may significantly delay processing. Instead please submit via email at customerservice@australianunity.com.au, via Online Member Services (OMS) or using our app.
How do I know if I'm eligible for the Mindstep program?
As part of your Hospital cover you may have access to Mindstep®, a confidential, phone-based program, delivered by specially trained mental health coaches designed to support members in adjusting to life’s challenges. Please check your product Fact Sheet to see if you’re covered, then contact the Mindstep team on 1800 322 278 to confirm your eligibility or visit https://www.remedyhealthcare.com.au/welcome-to-mindstep to arrange a call at your preferred time.
Are the Australian Unity dental centres open and what additional hygiene measures are they taking
Contact us
How to contact us during this time
Australian Unity is committed to supporting our members, customers, employees and the community throughout COVID-19.
As our employees continue to work from home you may also experience longer than normal wait times and occasionally some background noise during the call.
We appreciate your patience and please be assured we are here to support your health and wellbeing.
Following are details of the best ways to contact us during this time:
Online Member Services
If you’re an existing member already using Online Member Services (OMS) or our app you can make an extras claim, make a payment, update your details, order new cards or check your remaining benefits using either of those services.
Are you an existing member, but not registered for Online Member Services? Register today and start managing your membership online.
Online enquiry form
If you have a question regarding health insurance, simply submit the details via the form and we will contact you to answer your query. Contact us today.Call us