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Tell us your experience with Australian Unity Health fund


Do you have something to say about Australian Unity Health? Tell us your good experiences, bad experiences or otherwise and help inform the CHOICE Community.

Read our Australian Unity health insurance review


Hello. Upon leaving school at age 15, my first boss ensured that I immediately signed up for Hospital insurance coverage with his fund – a mutual fund, called GUOOF. I remained a member for decades, until it was bought out by Australian Unity – with a big consideration in that sale, being that Australian Unity was also a mutual organisation; and remain with Australian Unity – very happily since then.

We have always found them to be honest, fair, trustworthy, and reputable, in all of our dealings with them. We accordingly rate them VERY HIGHLY and recommend them accordingly.

We have only one small criticism, which I suspect would probably apply to all funds, but in ignorance I have no way of knowing if this is so or not.
That is, with our kids no longer being dependent upon us, we still pay a ‘family’ rate, for just the two of us parents. This rate is exactly double the single rate.

We have to pay the first $250 of claims each year – EACH.
BUT this is not related to WHO / which of us is claiming.
My wife is the ONLY one of us who needs hospitalisation, regularly, so she has to pay $250 for her first hospitalisation (for day treatments), and then another $250 for her second hospitalisation. Thereafter she does not pay anything further.

Whereas, if she paid just the SINGLE rate of contributions, she would only have to pay that $250 ONCE, not twice.

Nevertheless, Australian Unity recently sent us an information sheet, showing how much we have paid in contributions, and the huge, far greater amount , that they have paid out for my wife’s hospitalisations; so we are certainly receiving great value-for-money from Australian Unity; as well as excellent service from them whenever we require personal interactions with their wonderful administrative staff.

Hoping that this will assist your study.


I have been with Australian Unity for 35 years now, and now pay $230 month (includes extras) would rather not pay so much, however cannot do without the cover, such peace of mind.
I have also found them to be helpful, courteous and generally above board with everything.
Could recommend them to anyone really.