Australian Unity has agreed to pay compensation to health insurance members who held couple and family policies in 2015 that were likely to have been misled about the dental benefits they could claim from their policy.
Australian Unity changed the terms and conditions relating to dental benefits during 2015, after members had taken out their policies. At the start of 2015 the Australian Unity Comprehensive Extras policy for couples and families had a single benefit limit for dental benefits. At this stage members were able to decide how to use the dental benefit limit among their family members.
Later in 2015 Australian Unity changed the rules so that each individual family member could only use up to half of the dental limit. Australian Unity wrote to members in August 2015 advising them of the change.
Australian Competition and Consumer Commission (ACCC) Commissioner Sarah Court said “Insurers must deliver on the claims they make to members. They cannot move the goal posts by selling members a policy with fixed benefits and then changing the rules midway through the life of the policy to reduce those benefits.”
Australian Unity has entered into an enforceable undertaking with the ACCC, part of which includes compensating affected members including reimbursement of out of pocket dental expenses and payment of expenses on ongoing dental plans.
You can read the full undertaking by Australian Unity here http://registers.accc.gov.au/content/index.phtml/itemId/1204280
You should contact Australian Unity to see if you are entitled to a refund.
Of course, if you are a MoneyBrilliant customer and you have health insurance with Australian Unity we have alerted you to the possibility of compensation through the MoneyBrilliant Activity Feed. Its all part of the MoneyBrilliant service.