TUH Health Fund Review

Our verdict: TUH health insurance gives its profits back to its members and had the best complaints record of 2020.

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Alex Holderness's headshot
Gary Ross Hunter's headshot

By

Alex Holderness

&

Gary Ross Hunter

Edited by

Tim Bennett

Updated

Fact checked

Our Verdict: TUH Health Fund

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.
  • There are larger health funds available.

Good value TUH policies

These are some good value hospital policies from TUH, one each from the Bronze, Silver and Gold tiers.


*Quotes are based on a single individual with less than $97,000 income, $500 excess and living in Sydney.

What types of health insurance does TUH offer?

Hospital
Extras
Combined
Ambulance

Hospital icon

Hospital Coverage

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 icon

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.

Clipboard icon

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 icon

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.

TUH frequently asked questions

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To make sure you get accurate and helpful information, this guide has been edited by Tim Bennett as part of our fact-checking process.
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Head of publishing

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

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Co-written by

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
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4 Responses

    Default Gravatar
    DanielAugust 13, 2019

    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

      Default Gravatar
      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

    Default Gravatar
    RobertDecember 20, 2016

    What hospitals in Melbourne are contracted.

      AvatarFinder
      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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