Terms and Conditions - Private Health Insurance

Terms and Conditions: Get 10 (6+4) weeks free when you purchase hospital and extras cover (19 May 2025 – 18 August 2025 – Offer Extended)

This offer only applies:
1. to people who purchase Australian Unity hospital and extras cover at the same time (i.e. either a combined product or a hospital product and an extras product);
  1. through either:
    1. the Australian Unity call centre; or
    2. the Australian Unity website;
2. between 19 May – 18 August 2025 where the policies purchased have a commencement date between 19 May – 18 August 2025; and
3. who are new members on new memberships (who have not previously held Australian Unity health insurance or Overseas Visitors Cover within 90 days of joining).

After complying with paragraph 1 above, and subject to paragraph 3 and 4 below, the policy holder may receive 10 (6+4) weeks free on their cover. Limit of one 10 (6+4) weeks free offer per membership.

This promotion is not available:
1. to members who take out hospital only cover or Overseas Visitors Cover;
2. to members who take out extras only cover;
3. To members who take out a corporate product or cover that has a corporate partnership discount;
4. to Australian Unity staff; or
5. to dependants who come off their parent’s policy and take out hospital & extras cover or a combination cover within 90 days. However, they may be eligible for a separate offer if they join within 30 days, refer to the details here.

The 10 weeks free will be applied over 13 months:
1. 6 weeks free will be applied to the membership after the policy holder has held cover for a minimum period of 60 continuous days and the policy is paid up to date:
  1. The 6 weeks free will not be applied on any policies that at any time during the first 60 days of membership have been or are in arrears or suspended.
  2. The 6 weeks free offer is applied to your policy by advancing the date you are paid up to, i.e. moving it forward 6 weeks. The 6 weeks free will be applied to policies within 30 days after completing 60 continuous days of paid membership.
  3. The offer will be forfeited if the member has changed cover within the first 60 days to hospital only cover, extras only cover or Overseas Visitors Cover.
  4. The offer will be forfeited if the member has changed to a product that has a corporate partnership discount in first 60 days of membership.
2. Additional 4 weeks free will be applied to the membership if, at 365 days, the policy remains as hospital and extras cover and the policy is paid up to date:
  1. The 4 weeks free offer is applied to your policy by advancing the date you are paid up to; i.e. moving it forward 4 weeks. The 4 weeks free will be applied to policies within 30 days after completing 365 days of paid membership.
  2. The offer will be forfeited if member is no longer an active policyholder on the fulfilment date.
  3. The offer will be forfeited if member has changed cover within the first 365 days to hospital only cov er, extras only cover or Overseas Visitors Cover.
  4. The offer will be forfeited if member has changed to a product that has a corporate partnership discount between day 61 – day 395 of membership.

This offer is not available in conjunction with any other offer or promotion, except where those retail offers or promotions are clearly expressed or communicated by Australian Unity to constitute or form part of a single offer.

This offer can be withdrawn at any time by Australian Unity. Australian Unity reserves the right to change these offer conditions at any time by publishing updated terms and conditions on its website australianunity.com.au/health-insurance/campaign/health-offer/terms-and-conditions, and to apply the updated offer conditions to any policies purchased after the time when the conditions were updated.

Australian Unity may request further information from any purchaser at its discretion, acting reasonably, in order to determine whether the purchaser is eligible for this promotion.

Terms and Conditions: No 2 month or optical waiting periods on extras (5 May – 18 August 2025 – Offer Extended)

This promotion is only available:
1. to new members on new memberships who have not previously held Australian Unity health insurance within 90 days of joining;
2. to members who purchase Australian Unity hospital & extras cover;
3. through either the Australian Unity call centre/website, Australian Unity Partnerships (phone and online portals) or aggregator or comparator call centre/website;
4. between 5 May and 18 August 2025, where the policies purchased have a commencement date between 5 May and 18 August 2025.
  1. Notwithstanding section 1c, Members who join Australian Unity hospital & extras cover (either a combined product or a hospital product and an extras product) through iSelect’s or Health Insurance Comparison (HIC)’s or It’s My Health’s or HealthDeal’s referral program must have a referral date (i.e. the date the sale was processed by iSelect / HIC / It’s My Health / HealthDeal) no later than 18 August 2025 and a start date no later than 2 September 2025.

This promotion is available to existing members with hospital only, adding extras cover to their policy or existing members with hospital and extras who upgrade their extras level of cover (waiting periods waived for higher benefits allowance only).

This promotion is not available:
1. to new members who purchase hospital only cover, extras only cover, Overseas Visitors Cover or Overseas Visitors Cover plus extras cover;
2. to Australian Unity staff; or
3. in conjunction with any other retail offer or promotion being run by Australian Unity at the same time except where those retail offers, or promotions are clearly expressed or communicated by Australian Unity to constitute or form part of a single offer.
  1. This offer is available in conjunction with any weeks free offer that may be in market at the same time as this waiting period waiver offer.

After satisfying condition 1 to 3 above, Australian Unity will waive 6-month optical extras waiting periods and all 2-month extras waiting periods required to be served under extras covers which have been purchased as part of this promotion. Unless specified by Australian Unity, all other waiting periods for all products still apply.

If you are transferring from another fund, we’ll take into consideration the amount you’ve claimed in 2025 under your previous cover when we calculate your yearly limit for equivalent services under your new cover.

This promotion can be withdrawn at any time by Australian Unity. Australian Unity reserves the right to change these offer conditions at any time by publishing an updated version of these terms and conditions on its website, and to apply the updated offer conditions to any policies purchased after the time when the conditions were updated.

Australian Unity may request further information from any purchaser at its discretion in order to determine whether the purchaser is eligible for this promotion.

Past campaigns

Get 8 (6+2) weeks free when you purchase hospital and extras cover (17 March 2025 – 18 May 2025)

Terms and Conditions: Get 8 (6+2) weeks free when you purchase hospital and extras cover (17 March 2025 – 18 May 2025)

This offer only applies:
1. to people who purchase Australian Unity hospital and extras cover at the same time (i.e. either a combined product or a hospital product and an extras product);
  1. through either:
    1. the Australian Unity call centre; or
    2. the Australian Unity website;
  2. between 17 March – 18 May 2025 where the policies purchased have a commencement date between 17 March – 18 May 2025; and
  3. who are new members on new memberships (who have not previously held Australian Unity health insurance within 90 days of joining).
After complying with paragraph 1 above, and subject to paragraph 3 and 4 below, the policy holder may receive 8 (6+2) weeks free on their cover. Limit of one 8 (6+2) weeks free offer per membership.

This promotion is not available:
1. to members who take out hospital only cover or Overseas Visitors Cover;
2. to members who take out extras only cover;
3. To members who take out cover that has a corporate partnership discount
4. on corporate products
5. to Australian Unity staff (this includes Greengate21 staff);.
6. to dependants who come off their parent’s policy and take out hospital & extras cover or a combination cover within 90 days. However, they may be eligible for a separate offer if they join within 30 days, refer to the details here

The 8 weeks free will be applied over 13 months:
1. 6 weeks free will be applied to the membership after the policy holder has held cover for a minimum period of 60 continuous days and the policy is paid up to date:
  1. The 6 weeks free will not be applied on any policies that at any time during the first 60 days of membership have been or are in arrears or suspended.
  2. The 6 weeks free offer is applied to your policy by advancing the date you are paid up to, i.e. moving it forward 6 weeks. The 6 weeks free will be applied to policies within 30 days after completing 60 continuous days of paid membership.
2. Additional 2 weeks free will be applied to the membership if, at 365 days, the policy remains as hospital and extras cover and the policy is paid up to date:
  1. The 2 weeks free offer is applied to your policy by advancing the date you are paid up to; i.e. moving it forward 2 weeks. The 2 weeks free will be applied to policies within 30 days after completing 365 days of paid membership.
  2. The offer will be forfeited if member is no longer an active policyholder on the fulfilment date
  3. The offer will be forfeited if member has changed cover to hospital only cover, extras only cover or Overseas Visitors Cover.

This offer is not available in conjunction with any other offer or promotion, except where those retail offers or promotions are clearly expressed or communicated by Australian Unity to constitute or form part of a single offer.

This offer can be withdrawn at any time by Australian Unity. Australian Unity reserves the right to change these offer conditions at any time by publishing updated terms and conditions on its website australianunity.com.au/health-insurance/campaign/health-offer/terms-and-conditions, and to apply the updated offer conditions to any policies purchased after the time when the conditions were updated.

Australian Unity may request further information from any purchaser at its discretion, acting reasonably, in order to determine whether the purchaser is eligible for this promotion.

Get 6 (six) weeks free when you join via Australian Unity phone/online (4 February – 31 March 2025)

Terms and Conditions: Get 6 (six) weeks free when you join via Australian Unity phone/online (4 February – 31 March 2025)

This offer only applies to people who:
1. purchase Australian Unity hospital and extras cover at the same time (i.e. either a combined product or a hospital product and an extras product); or purchase Australian Unity extras only cover (extras product) by itself directly through the Australian Unity contact centre or health insurance website between 4 February – 31 March 2025 where the policies purchased have a commencement date between 4 February – 31 March 2025; and
2. are new members on new memberships (see condition 3 below)

After complying with paragraph 1 above, and subject to paragraph 3 and 4 below, the policy holder may receive 6 (six) weeks free on their eligible cover. Limit of one 6 weeks free offer per membership.

Offer only available to new members on new memberships, who have not previously held Australian Unity health insurance within 90 days of joining.

This promotion is not available:
1. through aggregators or comparators;
2. to members who take out hospital only cover or Overseas Visitors Cover;
3. to Australian Unity staff;
4. to dependants who come off their parent’s policy and take out hospital & extras cover or a combination cover within 90 days. However, they may be eligible for a separate offer if they join within 30 days, refer to the details here

The 8 weeks free will be applied over 13 months:
1. The 6 weeks free will not be applied on any policies that at any time during the first 60 days of membership have been or are: in arrears; or suspended;
2. The 6 weeks free offer is applied to your policy by advancing the date you are paid up to, i.e. moving it forward 6 weeks. The 6 weeks free will be applied to policies within 30 days after completing 60 continuous days of paid membership.

This offer is not available in conjunction with any other retail offer or promotion, except where those retail offers or promotions are clearly expressed or communicated by Australian Unity to constitute or form part of a single offer.

This offer can be withdrawn at any time by Australian Unity. Australian Unity reserves the right to change these offer conditions at any time by publishing updated terms and conditions on its website australianunity.com.au/tcs and to apply the updated offer conditions to any policies purchased after the time when the conditions were updated.

Australian Unity may request further information from any purchaser at its discretion, acting reasonably, in order to determine whether the purchaser is eligible for this promotion.

Get 8 (6+2) weeks free when you purchase hospital and extras cover (25 November 2024 – 3 February 2025)

Terms and Conditions: Get 8 (6+2) weeks free when you purchase hospital and extras cover (25 November 2024 – 3 February 2025)

This offer only applies:
1. to people who purchase Australian Unity hospital and extras cover at the same time (i.e. either a combined product or a hospital product and an extras product);
  1. through either:
    1. the Australian Unity call centre; or
    2. the Australian Unity website;
  2. between 25 November – 3 February 2025 where the policies purchased have a commencement date between 25 November – 3 February 2025; and
  3. are new members on new membership (who have not previously held Australian Unity health insurance within 90 days of joining).
After complying with paragraph 1 above, and subject to paragraph 3 and 4 below, the policy holder may receive 8 (6+2) weeks free on their cover. Limit of one 8 (6+2) weeks free offer per membership.
This promotion is not available:
1. to members who take out hospital only cover or Overseas Visitors Cover;
2. to members who take out extras only cover;
3. on corporate products;
4. to dependents who come off their parent’s policy and take out hospital & extras cover or a combination cover within 90 days. However, they may be eligible for a separate offer if they join within 30 days, refer to the details here
The 8 weeks free will be applied over 13 months:
1. 6 weeks free will be applied to the membership after the policy holder has held cover for a minimum period of 60 continuous days and the policy is paid up to date:
  1. The 6 weeks free will not be applied on any policies that at any time during the first 60 days of membership have been or are:
    1. in arrears; or
    2. suspended.
  2. The 6 weeks free offer is applied to your policies by advancing the date you are paid up to, i.e. moving it forward 6 weeks. The 6 weeks free will be applied to policies within 30 days after completing 60 continuous days of paid membership.
2. Additional 2 weeks free will be applied to the membership if, at 365 days, the policy remains as hospital and extras cover -and the policy is paid up to date:
  1. the 2 weeks free offer is applied to your policy by advancing the date you are paid to; i.e. moving it forwards 2 weeks. The 2 weeks free will be applied to policies within 30 days after completing 365 days of paid membership.
  2. The offer will be forfeited if member is no longer an active policyholder on the fulfilment date.
  3. The offer will be forfeited if the member has changed cover to hospital only cover, extra only cover or overseas Visitors Cover.
This offer is not available in conjunction with any other retail offer or promotion, except where those retail offers or promotions are clearly expressed or communicated by Australian unity to constitute or form part of a single offer.
This offer can be withdrawn at any time by Australian Unity. Australian Unity reserves the right to change these offer conditions at any time by publishing updated terms and conditions on its website australianunity.com.au/health-insurance/campaign/health-offer/terms-and-conditions, and to apply the updated offer conditions to any policies purchased after the time when the conditions were updated.
Australian unity may request further information from any any purchaser at its discretion, acting reasonably, in order to determine whether the purchaser is eligible for this promotion.

Get a Quote to Enter 5 x $1,000 Gift Card Draw (28 October 2024 – 31 January 2025)

Terms and Conditions: Get a Quote to Enter 5 x $1,000 Gift Card Draw (28 October 2024 – 31 January 2025)

Information on how to enter and prizes forms part of these terms and conditions of entry. By entering the "Enter the draw to win a $1,000 Gift Card" competition (competition), you acknowledge that you have read these terms and conditions and that you agree to be bound by them.

The promoter is Australian Unity Health Limited ABN 13 078 722 568, 271 Spring Street, Melbourne, VIC, 3000 (Promoter)

The competition runs from 12.01am (AEDT) 28 October 2024 to 11:59pm (AEDT) 31 January 2025. The Promoter reserves the right to extend the competition end date at any time. No late entries will be accepted. Incomplete or incoherent entries will be invalid.

The prize consists of 5 x $1,000 Mastercard Gift Card.

To be eligible to enter the competition you must:
1. be 18 years or older;
2. reside in any Australian State or Territory, except the ACT.

To be entered into the random prize draw the entrant must complete an Australian Unity health insurance quote (for hospital cover, or extras cover, or a combination hospital and extras cover) via the Australian Unity call centre, the Australian Unity website, or Australian Unity Partnerships (phone and online portals) including their email address and phone number.

A limit of one entry to the competition per person applies to those who obtain quote only. If an entrant proceeds to purchase and commence an Australian Unity health insurance product prior to 11:59pm (AEDT) 31 January 2025 they will have an additional 9 entries into the competition. There is no fee to enter.

For the avoidance of doubt, this promotion is not available:
1. through brokers, intermediaries or comparators;
2. to employees, directors or officers of the Promoter, and any of its related bodies corporate, and any companies or agencies associated with this competition, or their immediate families;
3. on OVC products; or
4. to members who hold Australian Unity private health insurance with a policy commencement prior to 28 October 2024.

The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and proof of residency) and to disqualify any entrant who submits an entry that is not in accordance with these terms and conditions or who tampers with the entry process. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of these rights.

The winners will be chosen at random by manual draw. A limit of one prize per entrant applies. The first 5 valid entries drawn will win the prize described above. The random prize draw will be held on 10th February 2025 at 11:30am (AEDT) at 271 Spring Street, Melbourne, VIC, 3000 and the winners notified by phone and/or email by 13th February 2025. The winners will be published on the Australian Unity website at australianunity.com.au/competitionwinners by 17th February 2025.

If a prize is not claimed by 21st February 2025 a second chance random draw will take place on this date and the prize-winner/s will be notified by phone and/or email by 25th February 2025, and the new winner will be published on the Australian Unity website at australianunity.com.au/competitionwinners on 27th February 2025.

The prize is not transferable or refundable. No part of the prize is exchangeable or redeemable for cash or any other prize. If any aspect of a prize cannot be delivered for any reason, the Promoter reserves the right to substitute the prize for any other similar item (or items) of equal or greater value subject to State laws.

The results of the draw and Promoter’s decisions in relation to all aspects of this promotion are final and binding on all entrants.

Subject to regulatory approval, the Promoter reserves the right to amend the competition and its terms and conditions at any time and for any reason, and will notify entrants of any such amendments as soon as reasonably practicable on the competition page at australianunity.com.au/tcs. It is the entrant's responsibility to regularly check the competition page for any amendments.

Nothing in these terms and conditions limits, excludes or modifies or purports to limit, exclude or modify the Promoter's liability in relation to the consumer guarantees under the Australian Consumer Law (Non-Excludable Guarantees). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence) for any personal injury, or any loss or damage (including loss of opportunity) whether direct, indirect, special or consequential, arising in any way out of the competition including:
1. any technical difficulties or equipment malfunction (whether or not under the Promoter’s control);
2. any theft, unauthorised access or third party interference;
3. any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter;
4. any variation in prize value to that stated in these terms and conditions;
5. any tax liability incurred by the winner or entrant; or
6. use of the prize.

To the extent permitted by law, the Promoter shall not be liable for any loss or damage whatsoever (including but not limited to indirect or consequential loss) which is suffered or sustained by any entrant/winner as a result of participating in this promotion, or accepting any prize.

The Promoter accepts no responsibility for any tax implications that may arise from winning the prize. Independent financial advice should be sought.

All entries will be the property of the Promoter. The information entrants provide will be used by the Promoter for the purpose of conducting this competition. The Promoter may disclose entrants’ personal information to its contractors and agents to assist in conducting this Promotion or communicating with entrants. The Promoter is bound by the Australian Privacy Principles in the Privacy Act 1988. The Promoter’s privacy policy is available on the Promoter’s website at australianunity.com.au/privacy-policy. Entrants can request access to the personal information the Promoter holds about them by contacting the Promoter at the address set out above.

The winner of the promotion consents to the Promoter using their name, likeness, image and/or voice (including photograph, film and/or recording of the same) in any media, marketing or advertising activities for an unlimited period without remuneration.

If for any reason whatsoever beyond the reasonable control of the Promoter, this promotion is not capable of being conducted as reasonably anticipated, the Promoter reserves the right, in its sole discretion, unless to do so would be prohibited by law, to
1. disqualify any entrant; and/or
2. subject to any written directions from a regulatory authority, to cancel, suspend, modify, terminate or cancel the promotion.

The laws of Victoria apply to this promotion. Entrants submit to the exclusive jurisdiction of the courts of Victoria.

Get Wellplan Rewards credits when you purchase hospital and extras cover (1 October – 24 November 2024)

Terms and Conditions: Get Wellplan Rewards credits when you purchase hospital and extras cover (1 October – 24 November 2024)

This offer only applies:
1. to people who purchase Australian Unity hospital and extras cover at the same time (i.e. either a combined product or a hospital product and an extras product);
  1. through either:
    1. the Australian Unity call centre; or
    2. the Australian Unity website;
  2. between 1 October – 24 November 2024 where the policies purchased have a commencement date between 1 October – 24 November 2024; and
  3. who are new members on new memberships (see condition 3 below); or

After complying with paragraph 1 above, and subject to paragraph 4 and 5 below, the policy holder may receive Wellplan Rewards credits (ie Singles $125, Couples and Single Parent Families $250, Families/Extended Families/Extended Single Parent Families $300) applied to their Wellplan Rewards account attached to their cover. Wellplan Rewards credit is limited to one per membership.

Offer only available to new members on new memberships, who have not previously held Australian Unity health insurance within 90 days of joining.

This promotion is not available:
1. to Australian Unity Partnerships (phone and online portals - separate offer in market refer to online portal)
2. to members who take out hospital only cover or Overseas Visitors Cover;
3. to Australian Unity staff (this includes Greengate21 staff);
4. to dependants who come off their parent’s policy and take out hospital & extras cover or a combination cover within 90 days. However, they may be eligible for a separate offer if they join within 30 days, refer to the details here

The Wellplan Rewards credit will be applied to the member’s Wellplan Rewards account after the policy holder has held cover for a minimum period of 60 continuous days and the policy is paid up to date and the member has activated their Wellplan Rewards account within 90 days of their policy start date.

The Wellplan Rewards credit will not be applied on any policies that at any time during the first 60 days of membership have been or are:
1. in arrears; or
2. suspended.

Wellplan Rewards credit requires members to activate their Wellplan Rewards account via Online Member Services (OMS) . Members can activate their Wellplan Rewards account 31 days after purchasing health insurance. To activate members must login to Online Member Services, then click on REWARDS tab and then accept terms and conditions of Wellplan Rewards no later than 90 days after purchasing health insurance. Members who fail to activate their Wellplan Rewards account by day 91 will forfeit their Wellplan Rewards credit.

Wellplan Rewards credits will expire after 6 months.

Member who leaves Australian Unity will forfeit any unused Wellplan Rewards credit.

This offer is not available in conjunction with any other retail offer or promotion, except where those retail offers or promotions are clearly expressed or communicated by Australian Unity to constitute or form part of a single offer.

This offer can be withdrawn at any time by Australian Unity. Australian Unity reserves the right to change these offer conditions at any time by publishing updated terms and conditions on its website australianunity.com.au/health-insurance/campaign/health-offer/terms-and-conditions, and to apply the updated offer conditions to any policies purchased after the time when the conditions were updated.

Australian Unity may request further information from any purchaser at its discretion, acting reasonably, in order to determine whether the purchaser is eligible for this promotion.

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Terms and Conditions: Get 10 (6+4) weeks free when you purchase hospital and extras cover (19 May 2025 – 18 August 2025 – Offer Extended)

Terms and Conditions: No 2 month or optical waiting periods on extras (5 May – 18 August 2025 – Offer Extended)

Past campaigns

Get 8 (6+2) weeks free when you purchase hospital and extras cover (17 March 2025 – 18 May 2025)

Terms and Conditions: Get 8 (6+2) weeks free when you purchase hospital and extras cover (17 March 2025 – 18 May 2025)

Get 6 (six) weeks free when you join via Australian Unity phone/online (4 February – 31 March 2025)

Terms and Conditions: Get 6 (six) weeks free when you join via Australian Unity phone/online (4 February – 31 March 2025)

Get 8 (6+2) weeks free when you purchase hospital and extras cover (25 November 2024 – 3 February 2025)

Terms and Conditions: Get 8 (6+2) weeks free when you purchase hospital and extras cover (25 November 2024 – 3 February 2025)

Get a Quote to Enter 5 x $1,000 Gift Card Draw (28 October 2024 – 31 January 2025)

Terms and Conditions: Get a Quote to Enter 5 x $1,000 Gift Card Draw (28 October 2024 – 31 January 2025)

Get Wellplan Rewards credits when you purchase hospital and extras cover (1 October – 24 November 2024)

Terms and Conditions: Get Wellplan Rewards credits when you purchase hospital and extras cover (1 October – 24 November 2024)