Teachers Health insurance review

Teachers Health is tailored to the education sector and is one of the few funds to cover dependants until they're 32.

No reviews yet. Write a review
Gary Ross Hunter's headshot

By

Gary Ross Hunter

Edited by

Tim Bennett

Updated

Fact checked
Teachers Health deals

Our Verdict

Teachers Health covers tens of thousands of Aussies teachers and their families. Along with the other funds it runs - Nurses & Midwives and UniHealth - Teachers Health is the largest restricted fund in Australia, with a 2.6% market share.

It has the highest member retention of any fund in Australia, with 96.8% of hospital members still with them year-on-year.

Pros

  • It's tailored to teachers, education staff and their families.
  • It's a not-for-profit, meaning the money it makes is invested back in its members.
  • Good if you have any dependants under 32. They can stay on the family policy until they're 32 years old (as long as they meet the eligibility criteria).

Cons

  • Not everyone can join – only current or former members of the education community and their family members.

What types of health insurance does Teachers Health offer?

Hospital
Extras
Combined
Ambulance

Hospital icon

Hospital Coverage

  • Basic Hospital (Basic Plus). This is an entry-level health insurance option that covers a few treatments in private hospitals and offers your choice of doctor in a public hospital. Designed for young and healthy applicants, it covers essentials like dental surgery, hernias, appendicitis and joint reconstructions. This cover has a $300 excess.
  • Mid Hospital (Basic Plus). This is a mid-level option, covering a wide range of services and has no exclusions. Instead, it provides restricted cover for some services, such as heart and vascular and pregnancy and birth. You can choose a $300 or $500 excess for this cover.
  • Mid Classic (Silver Plus). Another mid-level option, this policy is designed to give you cover for everyday health needs, but not the expensive big-ticket services. It includes private hospital cover for a wide range of services, including diabetes management, cancer treatment and more. You can choose a $300 or $500 excess for this cover.
  • Top Hospital (Gold). This comprehensive product is designed to offer complete peace of mind. It covers an extensive range of procedures, including pregnancy, heart procedures, hospital accommodation and theatre expenses. Members get their choice of agreement private hospital and there's no excess.

Extras icon

Extras coverage

  • Top Extras. Teachers Health fund's Top Extras lets you enjoy generous benefit limits for a wide range of treatments including major dental, optical, psychology, chiropractic, physio, speech therapy and occupational therapy.
  • Essential Extras. This offers affordable cover for a mid-level range of services, including general and preventative dental, physio, optical and podiatry.

You can mix and match hospital and extras cover for a combined policy.

Clipboard icon

Combined coverage

  • StarterPak. Designed for young people and offering a range of essential benefits, this policy excludes a range of treatments and services that members are unlikely to need. It offers cover for your choice of agreement private hospital and choice of doctor as well as procedures like hernias, joint reconstructions, appendix removal and tonsil removal.

Ambulance icon

Ambulance coverage

All Teachers Health Hospital insurance policies include cover for emergency and non-emergency ambulance transportation. The latter can cover you for up to $3,000 per calendar year.

Teachers Health complaints

We looked at the 2023 Ombudsman health insurance complaints. Here's how Teachers Health did:

  • Teachers Health provides fairly good customer service; it had 2.3% of all complaints, which is only 0.3% more than its market share of 2.6%.
  • However, it doesn't have the best complaints ratio for restricted funds – Defence Health, Police Health and TUH are among those with lower ratios.

Frequently asked questions

Compare other products from Teachers Health Fund

Tim Bennett's headshot
To make sure you get accurate and helpful information, this guide has been edited by Tim Bennett as part of our fact-checking process.
Gary Ross Hunter's headshot
Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise
Gary Ross has written 621 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living
More resources on Finder

Ask a question

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

14 Responses

    Default Gravatar
    JulieApril 1, 2016

    I’m trying to find a list of hospitals which hold an agreement with teachers health . Could you provide me with a link to these?

      AvatarFinder
      RichardApril 4, 2016Finder

      Hi Julie,

      Thanks for your question. finder.com.au is a comparison service and not an insurer. It looks like that section of the Teachers site seems to be down. You should get in touch with them directly by either calling 1300 727 538 or emailing info@teachershealth.com.au for this information.

      I hope this was helpful,
      Richard

    Default Gravatar
    RHONDAJanuary 12, 2016

    Does top hospital pay an amount towards funerals?

      AvatarFinder
      RichardJanuary 12, 2016Finder

      Hi Rhonda,

      Thanks for your question. No Teachers Health Fund Health Insurance does not cover funerals.

      I hope this was helpful,
      Richard

More guides on Finder

Go to site
Premiums are increasing on April 1. Find the right cover