Simple Saver (Basic Plus)

Hospital: what is covered

Restricted means partially covered for hospital costs as a private patient in a public hospital; in a private room or private hospital you may face significant expenses.

Excess, waiting periods and hospital

• Tier - Basic Plus
• Hospital - Private hospital, or a shared room in a public hospital
• Excess - Capped per person and per policy per year. $750 per person a year. $1,500 per policy a year. No excess for accidents.
• Co-payments - None.
• Known gap - No
• Age-based discount - Not offered
• Accident cover - Yes
• Travel and accommodation benefits - No

Waiting periods

• Most treatments - 2 months
• Existing conditions - 12 months
• Rehabilitation, psychiatric and palliative care - 2 months

As filed by the insurer: Simple Saver (Basic Plus) only provides private hospital cover for treatments resulting from an Accident that occurs after joining this cover, and the following clinical categories: Joint Reconstructions, Tonsils, Adenoids and Grommets, Dental Surgery, Hernia and Appendix. Additional Benefits of the cover include: Hospital Substitution Programs, Health Support Programs and Preventative Health Services. Waiting periods may apply. Please refer to the product Fact Sheet or contact Australian Unity for further details.

Extras: what you get back

Not covered: Major dental, Braces, Glasses and contact lenses, Prescriptions not on the PBS, Psychology, Hearing aids, Blood glucose monitors, Audiology, Antenatal and postnatal, Chinese herbal medicine, Exercise physiology, Eye therapy (orthoptics), Health management programs, Home nursing, Occupational therapy, Orthotics, Speech therapy, Vaccinations.

* 1) No waiting period for preventative dental and selected diagnostic services. 2) A 12-month waiting period applies for surgical tooth extractions and treatments of gum disease. 3) A $300 combined sub-limit applies Preventative, Endodontic and General Dental. 4) A $300 sub-limit applies to Physiotherapy. 5) A $300 combined sub-limit applies to Chiropractic & Osteopathy. 6) A $250 sub-limit applies to Podiatry. 7) A $300 combined sub-limit applies to Acupuncture, Remedial Massage and Myotherapy. 8) A $250 sub-limit applies to Dietetics.

Other services, as filed: Annual benefit limits apply per calendar year. Myotherapy - 60% per treatment, maximum of $300 per person, (Combined limit- see Acupuncture and Remedial Massage limit) 2 month waiting period.

Please refer to the product Fact Sheet or contact Australian Unity for more information.

Ambulance

Emergency ambulance. Call-out fees covered. Waiting period for emergency transport: none. No limit on emergency transport.

Agreement hospitals in Northern Territory

Australian Unity has agreements with 3 private hospitals here, as filed with the Ombudsman.

This policy's other options

Every state, household and excess the insurer filed for this policy, with the premium before the rebate.

Member retention (hospital cover)

81.4% is the Commonwealth Ombudsman's figure for Australian Unity in its State of the Health Funds Report 2024-25 (Table 1, page 15; data at 30 June 2025).

The Ombudsman describes it as one measure of the comparative effectiveness of insurers and of their level of member satisfaction: the percentage of members, hospital memberships only, who have remained with the insurer for 2 years or more (page 12). It is published for the insurer, not for this policy, and is not adjusted for policies that lapse when a member dies. The Ombudsman cautions that no single indicator shows an insurer's overall performance (page 27).

It is shown as published. The list is not sorted, filtered or ranked by it.

Member retention is the Commonwealth Ombudsman's figure, from its State of the Health Funds Report 2024-25. Source: Licensed from the Commonwealth Ombudsman under a Creative Commons 4.0 licence. This report is available from the Commonwealth Ombudsman website at www.ombudsman.gov.au.

Where this comes from

Policy details come from the PrivateHealth.gov.au dataset published by the Private Health Insurance Ombudsman on data.gov.au (release of 1 Oct 2026), licensed under Creative Commons Attribution 3.0 Australia. Statement J42/TCKH20, filed by Australian Unity Health Limited, issued 1 Apr 2026.