TUH health insurance is open to education-related professions, including academics, admin and support staff who are also union members, as well as all current and former Australian union members and their families. It has a consistently excellent complaints ratio, plus above average member retention.
Pros
TUH Health Fund members are free to use any registered dentist or optometrist in Australia.
It's not-for-profit, meaning the money it makes goes back to its members.
It had the best complaints record of 2023, according to the Ombudsman health insurance complaints report.
Cons
It's a restricted fund which means some people aren't eligible for a policy.
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
With TUH Health Insurance, you can choose from 5 levels of hospital cover:
Gold Hospital. Top hospital cover for all 38 clinical categories, with a $500 excess to pay.
Silver Plus Family Hospital. Comprehensive hospital cover, with a choice of either $400 or $750 excess, to reduce premium costs if you like. This policy covers pregnancy and birth-related costs.
Silver Plus No Pregnancy Hospital. Comprehensive hospital cover, with a choice of either $400 or $750 excess, to reduce premium costs if you like. This policy covers everything from the Family Hospital option, except pregnancy and childbirth, assisted reproductive services and weight loss surgery.
Bronze Plus Hospital. A policy that provides a decent level of cover for the digestive system, male reproductive system, gynaecology, cancer treatment, diabetes management and more. There's a $500 or $750 excess choice per adult on the policy, to reduce premium costs. Exclusions include cataracts, podiatric surgery, implantation of hearing devices, dialysis, joint replacements, pregnancy and childbirth, assisted reproductive services, weight loss surgery and insulin pumps.
Basic Plus Hospital. As the name suggests, this covers you for the basics including tonsils, adenoids and grommets, joint reconstruction, hernia and appendix, and dental surgery.
Extras coverage
Comprehensive Extras. When you're not willing to compromise on looking after your health and wellbeing, this is the cover for you. Covering dental, optical, natural therapies, health and wellness programs, and much more, annual limits increase with years of membership.
Family Extras. Designed with families in mind, this cover looks after parents and children alike, with affordable cover for everybody in your family. Services include optical, speech therapy, orthotics, many natural and alternative therapies, and limitless preventative dental.
Everyday Extras. Everyday extras comes with the most popular services, including dental, optical, massage therapy, physiotherapy and psychology. There is no annual limit with preventative and general dental care.
Healthy Options (60%) Extras. Tailored to young singles and couples, take the guesswork out of your extras cover and get 60% back on general and major dental, orthodontics, optical and other therapies up to your annual limits. Plus you'll receive a Health & Wellness benefit (provides up to 60% on health screenings and access to health management programs up to overall annual limit).
Mid Range Extras. A mid-range policy for access to benefits for general and major dental, optical, natural therapies, health and wellness programs, and more. Plus there's a Health & Wellness benefit (provides up to 80% on health screenings and access to health management programs for a specific chronic health or medical condition up to overall annual limit).
Basic Extras. Affordable, no-frills cover including general dental and selected therapies (chiropractic, physiotherapy, hypnotherapy, massage therapy, osteopathy). This cover stands alone, or you can combine it with a hospital cover.
Combined coverage
Bronze Plus Young Choice. TUH only offers 1 package policy that covers both in and out of hospital care. It's tailored to the young and covers you for services including skin, lung and chest, blood, ear, nose and throat, as well extras services like dental, optical, physio and ambulance emergency transport.
Ambulance coverage
You can get cover for emergency ambulance transportation if you have both hospital and extras cover. This includes:
Benefits for air ambulance services (limited to a maximum of $6,000 per person a year).
A waiting period of 1 day.
TUH health insurance complaints
We looked at the 2023 Ombudsman health insurance complaints. Here's how TUH stacked up:
It had the best complaints ratio in 2023, according to the Ombudsman health insurance complaints report.
It did better than all other health funds including Bupa, Medibank and St Lukes.
As a not-for-profit health fund, TUH Health Fund provides value for money wherever possible for its members. The range of additional benefits includes:
No excess for dependants
An Active Health Bonus for extras on some products
Access Gap Scheme
Health management programs with some products
A travel benefit for regional members to access healthcare on selected covers
Discounts at OPSM, OPSM Direct, Laubman & Pank and Specsavers
The Health Hub offering members dental, optical and allied health services
A $100 eGift Card if you refer a friend or family member who joins TUH
There are 2 separate processes for claiming on your TUH Hospital and Extras cover:
Hospital claims
If you receive a hospital account, send it to TUH with a completed claim form via 1 of the following methods:
Email onlineclaims@tuh.com.au with copies of accounts/receipts attached.
Upload to the TUH smartphone app with photos of accounts/receipts.
Snail mail to TUH, PO Box 265, Fortitude Valley QLD 4006, with the original accounts/receipts enclosed.
Extras claims
You can claim your Extras benefits in any of the following ways:
Electronically. If your healthcare provider has an electronic terminal such as HICAPS or Health Point, simply swipe your membership card and your claim will be processed on the spot.
Online. Log in to Member Services on the TUH website and follow the instructions to submit your claim (no need to include receipts).
Smartphone app. Upload photos of your receipts and other documents, and instantly submit them via the TUH smartphone app.
Manually. Download, print out and complete a claim form, and submit it manually with copies of your receipts via email or post.
In both instances, once received and processed, your claim will be paid directly into your bank account allowing up to 2 weeks for postage and processing.
As Finder's insurance group publisher, Alex Holderness aims to make confusing topics easy to understand. She's been published in Money Mag, Yahoo Finance, Hospital Health, and is a contributing author for Google's Startup Grind. She has a keen passion for running and is currently studying for her General Insurance certification. See full bio
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
Gary Ross's expertise
Gary Ross has written 648 Finder guides across topics including:
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I am a senior of 65.6 and find it hard to pay my full cover now that I have reduced my work, is there any changes that I can take
NikkiAugust 14, 2019
Hi Daniel,
Thanks for getting in touch! Sorry to hear you are having a difficult time paying for your health insurance. While we review TUH, note that we don’t work with them. It would be best to contact them directly to see your options for repayment.
Hope this helps. Feel free to reach back out for further assistance.
Best,
Nikki
RobertDecember 20, 2016
What hospitals in Melbourne are contracted.
Finder
RichardDecember 21, 2016Finder
Hi Robert,
Thanks for getting in touch.
If you head over to the TUH website, you can use their search tool to find the closest contracted hospital. Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy. If necessary, speak to the insurance brand to verify any details.
Cheers,
Richard
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We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
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 am a senior of 65.6 and find it hard to pay my full cover now that I have reduced my work, is there any changes that I can take
Hi Daniel,
Thanks for getting in touch! Sorry to hear you are having a difficult time paying for your health insurance. While we review TUH, note that we don’t work with them. It would be best to contact them directly to see your options for repayment.
Hope this helps. Feel free to reach back out for further assistance.
Best,
Nikki
What hospitals in Melbourne are contracted.
Hi Robert,
Thanks for getting in touch.
If you head over to the TUH website, you can use their search tool to find the closest contracted hospital. Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy. If necessary, speak to the insurance brand to verify any details.
Cheers,
Richard