Family health insurance
* Based on an Australian Government Rebate of %, % LHC loading, $ excess for a in .
Change your cover or compareFamily Hospital cover
Top Hospital Gold covers pregnancy and birth, and assisted reproductive services. It also covers things a growing family might need like hospital treatment for tonsils and adenoids.
Top Hospital includes big ticket items such as heart procedures with no exclusions or restrictions. Plus, there's no excess for any kids on your cover if they’re under 32.
Family Extras cover
With Top Extras you'll receive higher benefits for services your family may use the most, like dental, optical and physio.
Your limit for major dental will also go up the first six years you have Top Extras cover, and you can use the orthodontia benefit in one hit with Top Extras, instead of spreading your lifetime limit over different years.
Get 1 month free*
When you join with Hospital & Extras cover by 5 January. Plus skip the waits on things like general dental, optical and chiro. Enter promo code ‘ONE'.
Cover your (big!) kids at no extra cost
Why UniHealth?
We’re for the education community
As the health insurance for higher education staff and their families, you’re at the heart of everything we do.
We’re for members, not profit
We’ve always given more back to members as benefits than the industry average.
We’re for care when you need it
As a private patient you can choose your doctor and avoid long public hospital waits (phew!).
We’re here for good
We're part of Teachers Health, Australia's largest industry health fund, supporting educators for over 70 years.
No-gap programs
Eligible members can access maternity care and joint replacement with no out-of-pocket costs.
Family health insurance FAQs
Which family cover should I get?
We’ve got a range of Hospital and Extras cover to suit everyone’s needs and budgets. Top Hospital (Gold) and Top Extras are popular with families as these are our most comprehensive cover options.
What are the benefits of having family health insurance?
Peace of mind knowing that you and your family are covered for the everyday and the unexpected with a range of Hospital and Extras options (and Emergency Ambulance too).
Having Hospital cover can also help you avoid the Medicare Levy Surcharge if your yearly income is more than $194,000 as a couple. You and all the members of your family need to have Hospital or combined Hospital and Extras cover to avoid the Medicare Levy Surcharge.
Is family cover more affordable?
Family cover can start from $62.26/week* for Basic Hospital (Basic Plus) and Mid Extras but we’ve got a range of Hospital and Extras covers to suit everyone’s needs and budget.
In general, we keep premiums as low as we can. Our average annual premium increase for 2024 was 2.65% – below the industry average of 3.03%.
*As at 2/5/24 for Family, NSW, $300 excess, 24.608% rebate and no LHC loading. Price varies based on cover, state, Government rebate and LHC loading.
How long can a child stay on our insurance policy?
We’ve extended the age limit of eligible dependants from 25 years to 32 years, so dependants can stay on family cover for longer!
Dependants aged 21+ can now be on your family membership until they turn 32, provided they aren’t married or in a de-facto relationship.
Your dependant can stay on your family membership at no extra cost to you if they’re studying full-time. If they’re not studying and aged 21-31, Extended Family Cover is an option.
Time for their own cover? Find out about our singles cover or couples cover
See more on adding dependants to your cover
Have a question? Find the answer in our FAQs
Terms and conditions
*Eligibility criteria and conditions apply. Offer is available to new members who join UniHealth with Hospital & Extras cover, or StarterPak (Basic Plus) by 5 January 2025. One month free health cover applies after the first direct debit contribution payment has been received. Two and six month waiting periods are waived on Extras services only. Enter the promo code 'ONE' when joining online. See terms and conditions