StarterPak

Our StarterPak combined cover is designed to suit young people who want value for money health insurance, but don’t want to pay for services that they may not use. It offers outstanding value and coverage for a range of Hospital and Extras services.

Hospital Cover

Private Hospital (Agreement private hospital and same day surgeries)

Choice of Agreement private hospital

Click here to search for an agreement hospital.

Accommodation – shared and private room (when available)

Theatre fees, intensive care fees

Labour ward fees

Private Hospital Services

Removal of tonsils and adenoids

Knee and shoulder investigations and reconstructions

Appendicitis treatment

Hernias

Accidents

Removal of wisdom teeth

Pregnancy & birth related services

Infertility treatments

Hip and knee replacements

Shoulder and ankle replacements

Restricted

Coronary care & cardiothoracic surgery

Dialysis procedures & treatments

Major eye & eye lens surgery

Restricted

Bariatric surgery

Restricted

Sterilisation & reversal of sterilisation

Psychiatric, rehabilitation & palliative care

Restricted

All other services where Medicare pays a benefit

Restricted

Services that do not attract a Medicare benefit

Medical services

Choice of doctor

Access Gap Cover

Government approved surgically implanted prostheses

Public Hospital

Shared room

Private room (where available)

Theatre fees, intensive care fees

Labour ward fees

Other

Excess

Non-emergency Ambulance

Emergency Ambulance Transport

Exemption from Medicare levy surcharge

Extras Cover

Dental

Service Benefit (up to $) Yearly Limits

General Dental - 2 month waiting period

Periodic oral examination (012) - limit of 2 services, per person/year

$40

Yearly Limits:
$500 per person
$1,000 per family

Bitewing x-ray (022)

$30

Removal of calculus (114) - limit of 2 services, per person/year

$70

Topical application of remineralising agent (121) - limit of 2 services per year

$25

Removal of tooth (311)

$90

Filling: 1 surface metallic (511)

$63

Filling: 3 surface metallic (513)

$109

Filling: 1 surface adhesive restoration (531)

$80

Filling: 3 surface adhesive restoration (533)

$115

Major Dental -12 month waiting period

Removal of wisdom teeth requiring removal of bone (323)

$120

Yearly Limits:
$500 per person
$1,000 per family

Major Dental limit available for removal of wisdom teeth only.

Removal of wisdom teeth requiring removal of bone and tooth division (324)

$150

Crown - veneered (615)

N/A

Dentures - upper and lower (719)

N/A

Orthodontia Treatment - 24 month waiting period

Orthodontia - Year 3

N/A

Orthodontia - Year 4

N/A

Orthodontia - Year 5+

N/A

Optical

Service Benefit (up to $) Yearly Limits

6 month waiting period

Frames

$100

Yearly Limits:
$165 per person
$330 per family

Single vision lens - pair

$95

Bifocal lens - pair

$95

Multifocal lens - pair

$95

Contact lenses - rigid or soft

$165

Contact lenses - disposable

$165

Complementary Therapies

Service Benefit (up to $) Yearly Limits

2 month waiting period

Acupuncture

$32

Yearly Limits:
$200 per person, $400
per family

Benefits are for consultation only. No benefits for remedies, medicines or food preparation.

Remedial Massage

$32

Alexander Technique

$32

Aromatherapy

$32

Bowen Therapy

$32

Chinese Herbal Medicine Consultations

$32

Feldenkrais Method

$32

Homeopathy

$32

Kinesiology

$32

Myotherapy

$32

Naturopathy

$32

Reflexology

$32

Shiatsu

$32

Western Herbal Medicine Consultations

$32

Body & Mind Therapies

Service Benefit (up to $) Yearly Limits

2 month waiting period

Chiropractic & Osteopathy - 1-4 visits

$40

Yearly Limits:
$300 per person
$600 per family

Chiropractic & Osteopathy - 5+ visits

$32

Chiropractic & Osteopathy - group therapy

$20

Physiotherapy - 1-4 visits

$40

Combined limit - see Chiropractic

Physiotherapy - 5+ visits

$32

Physiotherapy - group therapy / class therapy

$20

Exercise Physiology - 1-4 visits

$40

Combined limit - see Chiropractic

Exercise Physiology - 5+ visits

$32

Exercise Physiology - group therapy

$20

Speech therapy - 1-4 visits

N/A

Speech therapy - 5+ visits

N/A

Podiatry - 1-4 visits

N/A

Podiatry - 5+ visits

N/A

Dietitian - 1-4 visits

N/A

Dietitian - 5+ visits

N/A

Psychology consultation

N/A

Psychology assessment

N/A

Healthy Lifestyle

Service Benefit (up to $) Yearly Limits

6 month waiting period

Weight management

75%

Yearly Limits:
$150 per person
$300 per family

For more information on programs and how to claim, click here.

Gym membership

75%

Pilates

75%

Yoga

75%

Disease management subscriptions / memberships

75%

Health screening services / prevention screening

75%

National Healthy Eating Activity and Lifestyle (HEAL) program

75%

Medical Health

Service Benefit (up to $) Yearly Limits

2 month waiting period

Pharmaceuticals (non PBS requiring prescription by law)

$60

Yearly Limits:
$400 per person
$800 per family

Medical Appliances

Service Benefit (up to $) Yearly Limits

12 month waiting period

CPAP machine (purchase)

N/A

Artificial Aids

Service Benefit (up to $) Yearly Limits

2 month waiting period

Blood pressure monitor (purchase)

N/A

Blood glucose monitor

N/A

Compression garments

N/A

Hearing Aids

Service Benefit (up to $) Yearly Limits

12 month waiting period

Hearing aids

N/A

Restricted services

We pay Minimum Benefits for restricted services. This means that we will pay the minimum default benefit rate for a shared room as set out by the Commonwealth Minister for Health from time to time, and minimum benefits for Government approved Prosthesis List items.
If you choose to be treated:
  • In a private hospital – the benefits we pay will not cover all hospital costs resulting in significant out-of-pocket expenses
  • In a public hospital as a private patient – you may have an out-of-pocket expense to pay, in the event that the minimum benefit is less than what your chosen public hospital charges
Regardless of where you’re treated, the hospital should advise you before you are admitted or have treatment, and seek your consent about any out-of-pocket expenses you’ll need to pay. This is known as informed financial consent.

Excluded services

You will not receive benefits for pregnancy and birth-related services, infertility treatments, joint replacement, coronary care and cardiothoracic surgery, dialysis procedures and treatment, glaucoma and eximer laser eye surgery, cosmetic surgery, sterilisation or reversal of sterilisation.

Excess

There is no excess payable on StarterPak.

Waiting periods

A waiting period is the time you need to wait after taking out your cover before you can receive benefits for those services or items and apply to:

  • new members to private health insurance
  • existing UniHealth members who upgrade to a higher level of cover or reduce their level of excess
  • members who transfer from another health fund who have not already completed the required waiting periods, or who are transferring to a higher level of cover
If you have cancelled your health insurance membership with another health fund, you need to join UniHealth within 60 days to make sure you receive continuity of cover.


Hospital waiting periods

Pre-existing conditions* 12 months
Pregnancy & birth related services 9 months
Psychiatric, rehabilitations & palliative care 2 months
All other hospital services 2 months
Emergency ambulance transport 1 day
Non-emergency ambulance transport 1 day

* A pre-existing condition is an illness, ailment or condition where the signs or symptoms of which, in the opinion of the Fund Medical Advisor or other relevant medical practitioner appointed by UniHealth, existed at any time during the six months before taking out private health insurance or transferring to a higher level of cover. This rule applies to new members to private health insurance and existing members who are upgrading their level of cover. 
If you are a new member to private health insurance you will have to wait 12 months before you can receive benefits for items or services related to a pre-existing condition. If you change to a higher level of cover, you may have to wait 12 months to receive benefits, including benefits for services not previously covered. A 12 month waiting period applies to all pre-existing conditions except pregnancy & birth related services, which is a 9 month waiting period and psychiatric, palliative care and rehabilitation, which is a two month waiting period.

Extras waiting periods

Orthodontia 24 months
Wheelchair purchase 24 months
Major dental, medical appliances 12 months
Optical, healthy lifestyle 6 months
All other services 2 months
Emergency ambulance transport 1 day


Recognised providers

Benefits are only paid where the provider of the service or product is recognised by UniHealth at the time the service is received or the product is purchased. To check if your provider is recognised by UniHealth please call 1300 367 906.

Frequently Asked Questions