Australian Unity via Compare Club

Apply the best Australian Unity via Compare Club promo code or card offer you qualify for, then go through ShopBack before you pay, where ShopBack Cashback works like a discount on the same order, only easier than a promo code. There is nothing to find or type, it does not use up your one Australian Unity via Compare Club promo code, and it still lowers the price when no code is running. Part of what you pay comes back as Cashback: check the rate shown on ShopBack's Australian Unity via Compare Club page before you buy.

Buying Australian Unity cover? Pick your policy, then buy through ShopBack before you pay: ShopBack Cashback works like a discount, only easier than a promo code. Australian Unity is a Melbourne-based, member-owned wellbeing company that traces its start to 1840. It sells hospital, extras and combined health insurance alongside wealth products, car, home, pet and travel insurance, retirement living, aged care and home health services. On ShopBack Australia the merchant is listed as Australian Unity via Compare Club, so the Cashback flow runs through Compare Club's comparison and application service. Start from the ShopBack Australian Unity page to earn Cashback on a completed policy sale at the current published rate.

Compare Club is a health insurance intermediary that compares policies from eight funds and is free to use because the insurer remunerates it for setting up your policy. It states that it does not compare all policies in Australia and compares on price or fit. Click through from the ShopBack Australian Unity page, start a quote online or by phone on 1300 11 2582, and Compare Club handles the application while you make the final call. ShopBack Cashback tracks within about two days of a completed sale and confirms after roughly 120 days.

Compare Club's Australian Unity page lists six hospital plans: Basic Plus (Simple), Bronze Plus (Standard), three Silver Plus variants called Intermediate, Value with a $100 co-payment, and Classic, and Gold (Prime), described as the comprehensive option including pregnancy. Extras come in four tiers: Base with a $1,150 yearly limit, Mid at $2,400, Active at $5,750 first year and Prime at $8,750 first year. ShopBack shows separate Cashback amounts for Family and Couple policies that opt in to hospital and extras, with a lower amount for all other policies.

Waiting periods are set by the fund, not by Compare Club, so joining through the comparison service carries the same waits as joining direct. Australian Unity's site says that if you transfer from another fund within 30 days you do not re-serve waiting periods already completed at an equal or lower level. Compare Club lists 12 months for pre-existing conditions, 2 months for psychiatric, rehabilitation and palliative care, 12 months for major dental, 6 months for glasses and 2 months for general dental. ShopBack Cashback depends only on the sale completing and staying in force.

Both are member-focused funds rather than listed insurers. Australian Unity calls itself Australia's first member-owned wellbeing company and, per Compare Club, sits in the Members Health Fund Alliance and reinvests profits into the business. HCF is Australia's largest not-for-profit health fund. Hospital tiers are standardised by government, so compare the specific tier, excess, extras limits and provider networks near you rather than the brand. Both funds are on ShopBack Australia through Compare Club, so start from the chosen fund's ShopBack page.

Bupa is part of an international health group and runs its own dental and optical outlets. Australian Unity is smaller, Melbourne-based and member-owned, with a No Gap Dental Network for selected preventative dental, optical discounts and a member offers program covering eGiftcards, dining and cinema deals. Compare Club lists Bupa among its eight funds, so a side-by-side quote shows which fund prices your tier and excess lower.

Australian Unity's member offers page lists a No Gap Dental Network with full benefit on selected preventative dental at participating dentists, optical discounts, eGiftcard rewards from retailers including Coles, Woolworths, Apple and Amazon, restaurant discounts at more than 300 venues, discounted cinema tickets and a mobile app for claims. Compare Club also names Wellplan Rewards, a loyalty program with everyday shopping discounts. These are member benefits and are separate from ShopBack Cashback, which is paid once on the completed policy sale made after clicking through from the ShopBack Australian Unity page. For a deeper look, see Cheapest NSW health insurance 2026.

Two government settings drive timing. The Lifetime Health Cover loading adds a surcharge to hospital premiums for people who take out hospital cover after 1 July following their 31st birthday, so people turning 31 often join before then. The Medicare Levy Surcharge applies to higher earners without eligible hospital cover and is assessed per day of the financial year, so joining mid-year only reduces it for the days covered. Premiums typically change on 1 April, which drives pre-April campaigns. Check your position with the ATO or an adviser; ShopBack Cashback does not change it.

Go through ShopBack before you pay and the Cashback tracks to your ShopBack account. Start from the Australian Unity page on ShopBack and complete the quote and application with Compare Club. Cashback is a fixed amount by policy type, shown on that page, and is higher for Family and Couple policies with combined hospital and extras cover.

Policies come with a cooling-off period, and you go through ShopBack before you apply. Cooling-off and application terms are set by Australian Unity and Compare Club. Fees, taxes and service charges are not part of the Cashback amount.