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.
Why compare health insurance with Finder?
We don't ask for your phone or email to see prices.
With 1 click, you can open your results to nearly every fund in Australia.
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Depending on your age, you may be eligible for an
aged-based discount. This is used to estimate your
rebate.
Under 65
65 - 69
70 or older
What's your household's taxable income?
This is the combined income you and your spouse earn before tax. It's needed to calculate the correct Australian government rebate.
$93,000 and under
$93,001 to $108,000
$108,001 to $144,000
$144,001 and over
What kind of health insurance do you need?
Combined (Extras + Hospitals)
Extras
Hospital
What level of hospital coverage would you like?
You can change this at any time later.
Legend
Covered
Restricted cover, You may be partially covered for
this category.
Not covered. Optional for insurer to include.
*Prices updated March 2024, in line with Finder's
database of health insurance policies. Prices are based
on a single individual with less than $93,000 income and
living in Sydney with a $750 excess.
What extras cover do you need? (Optional)
Select as many as you want or move to the next step
Preventative & general dental
Major dental & implants
Optical
Physiotherapy
Podiatry
Non-PBS pharmaceuticals
Chiropractic
Emergency ambulance
Remedial massage
Email me my results (optional)
To get a copy of your results for later, add your email below
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 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.
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 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
Yes, Teachers Health is a not-for-profit, meaning it reinvests its earnings for the benefit of its members.
If you need to make an extras claim with Teachers Health, you can do so in the following ways:
On the spot. You can swipe your Teachers Health membership card on the spot using the HICAPS system to claim instantly.
Via mobile app. The Teachers Health mobile app is available for Apple and Android devices and allows you to take a photo of your official receipt to submit your claim.
Online. You can claim for the following extras through the Teachers Health online members area: acupuncture, chiropractic, complementary therapies, remedial massage, general dental, optical, physiotherapy and podiatry.
By mail. You can download a claim form from the Teachers Health website, complete it and send it along with your invoice or receipt to Teachers Health, GPO Box 9812, Sydney NSW 2001.
In person. You can submit your completed claim form and invoice or receipt in person at a Member Care Centre located at a Teachers Health Centre.
Via email. You can also submit completed claim forms via email to submitclaim@teachershealth.com.au
As for bills from your doctor or specialist, if the doctor or specialist participates in Teachers Health's Access Gap Cover program, then they will send the bill directly to your health fund. If they do not participate in the program, you will need to take the bill to Medicare to be processed before Teachers Health can pay any benefits.
Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio
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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?
Finder
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
RHONDAJanuary 12, 2016
Does top hospital pay an amount towards funerals?
Finder
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
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Depending on your age, you may be eligible for an
aged-based discount. This is used to estimate your
rebate.
Under 65
65 - 69
70 or older
What's your household's taxable income?
This is the combined income you and your spouse earn before tax. It's needed to calculate the correct Australian government rebate.
$93,000 and under
$93,001 to $108,000
$108,001 to $144,000
$144,001 and over
What kind of health insurance do you need?
Combined (Extras + Hospitals)
Extras
Hospital
What level of hospital coverage would you like?
You can change this at any time later.
Legend
Covered
Restricted cover, You may be partially covered for
this category.
Not covered. Optional for insurer to include.
*Prices updated March 2024, in line with Finder's
database of health insurance policies. Prices are based
on a single individual with less than $93,000 income and
living in Sydney with a $750 excess.
What extras cover do you need? (Optional)
Select as many as you want or move to the next step
Preventative & general dental
Major dental & implants
Optical
Physiotherapy
Podiatry
Non-PBS pharmaceuticals
Chiropractic
Emergency ambulance
Remedial massage
Email me my results (optional)
To get a copy of your results for later, add your email below
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?
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
Does top hospital pay an amount towards funerals?
Hi Rhonda,
Thanks for your question. No Teachers Health Fund Health Insurance does not cover funerals.
I hope this was helpful,
Richard