Last updated: November 2022

By accessing the UniMed website, or downloading/using our online services you agree to the terms and conditions below and to the terms of our Privacy statement.

Should there be any conflict between these terms and conditions and those of specific UniMed products and services, terms and conditions for the product(s) and service(s) shall apply.

Please note: UniMed may change or update these terms and conditions without prior notice. Your continued use of the UniMed website and/or online services, is deemed to be acceptance of the terms and conditions current at the time.



Accuracy of Information/Content
Reasonable care has been taken with the information/content publicly available in the UniMed website.  However, it does not take into account any individual’s personal circumstances; financial, medical, or otherwise. 

Every effort has been made to ensure UniMed website and online services information/content is up to date and free from errors.  However, UniMed does not give any guarantee or other assurance of the accuracy or suitability for your intended use. 

Financial Advice

Information/content in the UniMed website does not constitute financial advice.

UniMed recommends obtaining independent, personalised financial advice that takes into account your financial situation. 

To help you decide whether to obtain or act on financial advice from UniMed Product Advisors about our health insurance products, please read our Financial Advice Disclosure.


UniMed takes no responsibility for any direct or indirect loss or damage that may result from:

  • The action or failure to act, by relying on information/content in the UniMed website and/or online services.
  • Any errors or omissions in the UniMed website and/or online services information/content.
  • Reliance on any tools or calculators provided in the UniMed website and/or online services.
  • Inability to access or use the UniMed website and/or our online services.

Benefit and Claim Limits

Reliance on UniMed information/content shown online regarding any benefits payable or claim limits, is entirely at your own risk.

Please refer to your Policy Document and Membership Certificate.

Benefits and claim limits shown online may not be accurate, as they are not updated online in real time. Applicable stand-down periods, other conditions or restrictions may also apply.

Benefits outlined in your UniMed policy document are the amounts available to you to claim for eligible healthcare services, based on your annual limits (the maximum amount you can claim in each claims year for an eligible service, or for healthcare services within a particular benefit category). 

If you have questions about benefits and/or claim limits, please call 0800 600 666 / 03 365 4048 (8am - 5pm, Monday - Friday) or email:   

Your Privacy

UniMed is committed to respecting your privacy.

Personal and Health Information
We collect, hold, use and disclose personal and health information submitted by you via the UniMed website and/or online services, in accordance with our Privacy Statement.

See our Privacy Statement.

To request a copy of the Privacy Statement, call 0800 600 666 / 03 365 4048 (8am - 5pm, Monday - Friday) or email

If you are a UniMed policy holder and you submit a Claim online:

  • We collect personal and health information and bank account details for each member named in the claim, for the purpose of assessing and administering the claim.
  • The recipient of this information is Union Medical Benefits Society Ltd.

Please note: if information we request from you isn’t provided, we may be unable to process your claim.

Access to your information

You have the right to ask for a copy of any personal and health information we hold about you. If you think any information we hold about you is incorrect, you also have the right to request a correction of this information.

We will respond to any request for access to, or correction of information, in accordance with our obligations under the Privacy Act 2020, and Health Information Privacy Code 2020.

Contact the UniMed Privacy Officer: call 0800 600 666 / 03 365 4048 (8am - 5pm, Monday - Friday) or email:

Cyber Security

Reasonable care is taken by UniMed to provide secure use of our website and online services.  However, UniMed will not, under any circumstances, be held liable for loss, damage or liability caused by any breach of security.  This includes unauthorised access or use.   

You acknowledge that you are aware of, and agree to accept, any risks associated with accessing information/content via the Internet - including without limitation, the possibility that third parties may gain access to confidential information.

You agree to take all reasonable steps to ensure all information in relation to any security details (including usernames and passwords), are kept confidential to you. 

Do not keep written/electronic records of your security details or disclose them

UniMed will not be liable for any loss, damage or liability you incur as a result of someone else using this information (e.g., your username and/or password) - with or without your permission.

Whilst care has been taken to protect against the introduction of malicious malware (e.g., viruses), software, programs or code, UniMed does not guarantee the use of our website or online services is risk-free.  I.e. You are responsible for protecting your computer(s), network(s), mobile device(s) from being affected.

You are responsible for taking all reasonable care to ensure the information you supply to UniMed is accurate. Contact UniMed as soon as possible if you observe any incorrect or inaccurate information.

Third Parties

Information may be contained in or linked to, from the UniMed website or our online services, about services or products provided by third parties. UniMed makes no representation or warranty as to the quality of these services and products or their suitability to your personal circumstances; financial, medical or otherwise. 


Changes to Terms and Conditions

UniMed reserves the right to change these Terms and Conditions. They were last updated in November 2022.

If you have questions about these Terms and Conditions, please call UniMed:
0800 600 666 / 03 365 4048 (8am - 5pm, Monday - Friday).
Or email: