Health Insurance

We all have different health care needs, particularly as we get older. That’s why we've partnered with Australian Unity for health insurance to help you find the cover that meets your needs and budget.

Get a quote

Introducing Australian Unity

We are pleased to announce our new Health Insurance partner Australian Unity. Established in 1840, Australian Unity is Australia's first member-owned wellbeing company, delivering health, wealth and living services. They are here to keep you physically and mentally healthy—no matter where you’re at in life, what you’re doing or what you’re up against. From singles to couples, Australian Unity can help you find the cover that meets your needs and your budget.

Get a Quote

Call 1300 50 50 96 (weekdays 8.30am to 5pm AEST) or get a quote online

Australian Unity health covers

Choose the right cover for you, it only takes 2 mins to get an online quote

Australian Unity member services

Manage your cover, including making a claim.

Member benefits

10% off for members

National Seniors members are eligible for an ongoing 10% discount³ off Australian Unity health insurance covers, when you pay by direct debit.

Not a member?

In addition to great savings on health insurance, members receive a range of discounts, benefits and services for only $45 a year!

If you find it hard to sort out your health insurance, we get it.

If you're a National Seniors member, you'll get the chance to book a one-on-one phone consultation, making it easier for you to review or choose your health cover.

Unable to attend? Get a quote by calling Australian Unity on 1300 50 50 96.

So don't delay, book your appointment today!

Book your one-on-one appointment

Why switch to Australian Unity

No waiting periods for switchers

When you switch to Australian Unity, within 30 days of leaving your old health fund, they’ll recognise the waiting periods you’ve already served. Even if you haven’t completed a waiting period, they’ll apply any time already served towards your new cover.

If you increase your cover when you join Australian Unity, you’ll have to serve a waiting period before you can access the higher benefit.

Choose your own provider

Choose to see your favourite dentist, physio, optometrist or other providers as long as they're in private practice and recognised by Australian Unity^.

Provider recognition conditions apply.

Get up to 100% back on selected preventative dental

No Gap Dental is available on many of our extras covers, and provides selective preventative dental treatments with no out-of-pocket costs (up to your yearly limit, depending on your cover) when you visit any provider in our No Gap Dental Network.

Ways to use extras cover during COVID-19

Telehealth: Many health providers are delivering their services over the phone or via video conferencing. Australian Unity pays benefits towards some Telehealth services, where Telehealth is deemed appropriate by your extras provider.

Terms and conditions apply. This measure will stay in place until at least 31 March 2021. Call us on 13 29 39 for more details.

Message for NIB health insurance customers

If you’re an existing NIB Health Insurance customer that joined the health fund as part of the from National Seniors Australia member benefits program, and want more information on what this change means for you please refer to the below FAQs.

NIB Health Insurance FAQs

I’m an existing NIB Health Insurance customer will I still receive a 6% discount on my policy?

NIB will continue to offer National Seniors Members who are customers with the 6% off discount for the life of your policy. If the policy lapses or if you transfer or vary your cover with NIB, the discount will no longer apply.

I need support with my NIB Health Insurance policy, who do I contact?

For all enquiries call 13 16 42 or visit their website

How do I make a claim with NIB?

To make a claim with NIB Health Insurance use the online form or call 13 16 42.

I recently received a quote from NIB Health Insurance recently can I still proceed with the policy?

Yes, any quotes with NIB will be honoured for the next 30 days. If you choose to take out a policy before 8 November 2020 you will still be entitled to the 6% discount.


1. Offer valid only for new members on new memberships commencing between 14 October and 13 December 2020. 6 weeks free applied after you’ve served 60 days of paid membership. Full T&Cs at

2. All other 6 and 12 month extras waiting periods still apply, except optical. All applicable hospital waiting periods still apply. Offer valid only for new members on new memberships, which commence between 14 October and 13 December 2020. Full T&Cs at

3. 10% discount includes all retail discounts and is available only when paying by direct debit. The discount is not available through brokers or comparators, and excludes Overseas Visitor Cover.

^ Exclusions apply for certain relationships between provider and member