TUH Health Insurance Review
Overall, Teachers Union Health Fund offers 5 Health Insurance plans (Basic+, Bronze+, Silver+ Hospital Essentials, Silver+ No Pregnancy, Silver+ Family Hospital, and Gold Hospital) starting from $36.60 per week to $3,253.55 per year.
TUH Health Insurance offers an Active Health Bonus for members who complete an annual health profile and provides comprehensive School Accident Cover for dependents involved in school-related incidents.
| 🔎 Date Established | 1972 |
| 📌 Headquartered | Fortitude Valley, Queensland |
| 📍 Registration Number | ABN 38 085 150 376 |
| 👤 Average Number of Members | 85,000+ members |
| 👥 Number of Employees | 50 – 200 employees |
| 🛡️ APRA-Regulated | ✅Yes |
| 📉 Most Recent Market Cap Reported | Not applicable, as TUH operates as a not-for-profit health fund |
| ⭐ Average Customer Rating | 4.7 out of 5 based on 800+ reviews |
| 💛 Average Number of Reviews | 800+ |
| 📈 Market Share | TUH Health Insurance holds a market share of 1.5% in the Australian private health insurance sector |
| 📊 Number of Plans Offered | Five levels of hospital cover and multiple extras options |
| 💹 Sponsorships | Queensland Teachers’ Union, Independent Education Union, Brisbane Catholic Education Excellence Awards, Queensland College of Teachers |
| 📲 Mobile App Offered | ✅Yes |
| 🖱️ Medical Claims Portal | ✅Yes |
| ⏰ Customer Support Operating Hours | Mon-Thu: 8 am – 6 pm AEST, Friday: 8 am – 5 pm AEST |
| 📚 Information Hub and Blog | Health Hub |
| 🩺 Chronic Illness Benefits | Yes, through health management programs and telehealth options |
| 🧑⚕️ Screening and Prevention Offered | Yes, through programs like Health-e-Profile and preventive services in extra covers |
| 🍼 Maternity Benefit | Yes, with partnerships like Hatch Private Maternity |
| 💶 Health Insurance Premium Range (AUD) | From $36.30 per fortnight for Basic+ Hospital to $3,253.55 per year for Gold Hospital |
| ⌛ Average Waiting Period | 2 months for general services, 12 months for major services like pregnancy |
| 🌎 Is International Medical Cover Offered | No, private health insurance does not cover medical treatment while traveling overseas |
| ✈️ International Travel Benefit | 15% discount on travel insurance in partnership with Allianz Global Assistance |
TUH Health Insurance Plan Overview
| 🔎 Plan | 💶 Premium Range AUD | ❌ Exclusions | ❤️ Ideal For | ↪️Gap Cover | 📉 Rebate Percentage | 📈 Average Waiting Period | ⭐ Key Features |
| 🥇 Basic+ Hospital | From $36.30 per fortnight – $945 per year | Limited coverage for weight loss surgeries, specialized high-cost services | Budget-conscious individuals, singles, families | ✅Yes | Up to 32.812% | 2 months (general), 12 months (major services) | Includes essential services with flexible excess options, accident coverage, and choice of public/private hospitals |
| 🥈 Bronze+ Hospital | From $46.55 per fortnight – $1,211.55 per year | Limited specialist services, weight loss surgeries, partial maternity benefits | Young professionals, singles, families | ✅Yes | Up to 32.812% | 2 months (general), 12 months (major services) | Broader coverage of essential services, flexible excess, and emergency accident cover |
| 🥉 Silver+ Hospital Essentials | From $50.15 per fortnight – $1,305.05 per year | Certain maternity services, some joint replacements, weight loss surgeries | Balanced coverage for young professionals, families | ✅Yes | Up to 32.812% | 2 months (general), 12 months (major services) | Comprehensive in-hospital services, public and private hospital access, flexible excess options |
| 🏅 Silver+ No Pregnancy Hospital | From $75.30 per fortnight – $1,958.05 per year | Maternity and birth-related services | Singles, families without maternity needs | ✅Yes | Up to 32.812% | 2 months (general), 12 months (major services) | Broad coverage excluding maternity, family-friendly benefits with no excess for dependents |
| 🎖️ Silver+ Family Hospital | From $84.30 per fortnight – $2,394.45 per year | Certain high-cost specialist services, weight loss surgeries | Families needing comprehensive care | ✅Yes | Up to 32.812% | 2 months (general), 12 months (major services) | Comprehensive family care, no excess for dependents, broad coverage of pediatric and family services |
TUH Health Insurance Plans – Features and Benefits
TUH Health Insurance offers a variety of plans designed to meet the diverse needs of individuals and families, providing flexibility, comprehensive coverage, and access to essential healthcare services.
Each plan offers tailored features such as affordable premiums, extensive coverage for hospital and extra services, and benefits like no excess for dependents and coverage for critical treatments.
With flexible excess options and benefits that support both preventative and emergency care, TUH aims to deliver value to its members while ensuring access to quality healthcare.
Basic+ Hospital Plan Overview
The TUH Basic+ Hospital cover provides budget-friendly coverage while ensuring members access to basic medical services.
| 🔎 Feature | 📌 Details |
| 📉 Excess Levels | $250, $500, $750 |
| ☑️ Inclusions | Blood-related conditions, joint surgeries, basic dental, digestive care, and more |
| ❌ Restrictions on Plan | Limited coverage for psychiatric services, rehabilitation, and palliative care |
| 1️⃣ Benefits for Singles | Low-cost essential services, accident coverage |
| 2️⃣ Benefits for Families | No excess for dependents, essential pediatric services covered |
| 3️⃣ Benefits for Couples | Affordable coverage without maternity-related costs |
| 4️⃣ Benefits for Single Parents | Financial relief with no excess for children |
| 💶 Premium Range | $36.30 per fortnight - $945 per year |
| ⏰ Waiting Periods | 2 months for general services, 12 months for major services |
Key Features of Bronze+ Hospital Plan
- Offers comprehensive accident coverage with immediate access to hospital services.
- Flexible options in excess amounts allow members to manage costs effectively.
- Coverage includes critical services like back, neck, and spine treatments.
Bronze+ Hospital Plan Overview
The TUH Bronze+ Hospital 500-750 cover balances affordability and comprehensive coverage, giving members essential health services with flexibility in managing out-of-pocket expenses with dynamic excess.
| 🔎 Feature | 📌 Details |
| 💶 Excess Levels | $500, $750 |
| ☑️ Inclusions | Back, neck, and spine treatments, blood conditions, basic joint and bone surgeries, pain management, and more |
| ❌ Restrictions on Plan | Limited coverage for psychiatric services, rehabilitation, and palliative care |
| 1️⃣ Benefits for Singles | Affordable premiums, key treatments like joint reconstructions and ENT procedures |
| 2️⃣ Benefits for Families | No excess for dependents, essential pediatric services covered |
| 3️⃣ Benefits for Couples | Flexible premium management with accident and emergency services included |
| 4️⃣ Benefits for Single Parents | Financial relief through no excess charges for children |
| 💵 Premium Range | $46.55 per fortnight - $1,211.55 per year |
| ⏰ Waiting Periods | 2 months for general services, 12 months for major services |
Key Features of Silver+ Hospital Essentials Plan
- The plan includes flexible excess choices between $400 and $750 to fit members’ financial planning.
- In-hospital care extends to critical treatments such as joint reconstructions and digestive system procedures.
- Immediate accident coverage ensures prompt access to necessary medical services.
Silver+ Hospital Essentials Plan Overview
The Silver+ Hospital Essentials Cover is a mid-range insurance plan covering essential medical treatments and dynamic excess.
| 🔎 Feature | 📌 Details |
| 💶 Excess Levels | $400, $750 |
| ☑️ Inclusions | Back, neck, and spine treatments, blood conditions, joint surgeries, gastrointestinal endoscopy, pain management, and more |
| ❌ Restrictions on Plan | Limited coverage for psychiatric services, rehabilitation, and palliative care |
| 1️⃣ Benefits for Singles | Affordable premiums, coverage for key medical needs like digestive and ENT services |
| 2️⃣ Benefits for Families | No excess for dependents, essential pediatric services covered |
| 3️⃣ Benefits for Couples | Flexible excess choices to reduce premiums while maintaining broad coverage |
| 4️⃣ Benefits for Single Parents | Financial relief on dependents’ healthcare, coverage for critical services |
| 💵 Premium Range | $50.15 per fortnight - $1,305.05 per year |
| ⏰ Waiting Periods | 2 months for general services, 12 months for major services |
Key Features of Silver+ Hospital Essentials Cover
- Choose from $400 or $750 excess options.
- Covers treatments for back, neck, joint surgeries, gastrointestinal, pain management, and more.
- No excess for dependents with coverage for essential pediatric services.
Silver+ No Pregnancy Hospital Plan Overview
The Silver+ No Pregnancy Hospital Cover suits individuals and families who don’t require maternity coverage but still want comprehensive access to in-hospital treatments and services.
| 🔎 Feature | 📌 Details |
| 💶 Excess Levels | $400, $750 |
| ☑️ Inclusions | Bone, joint, and muscle surgeries, blood conditions, diabetes management, male reproductive procedures, pain management, and more |
| ❌ Restrictions on Plan | Limited coverage for psychiatric services, rehabilitation, and palliative care |
| 1️⃣ Benefits for Singles | Flexible excess options, and coverage for back, neck, and spine treatments |
| 2️⃣ Benefits for Families | No excess for dependents, common pediatric services covered |
| 3️⃣ Benefits for Couples | Cost-effective healthcare without maternity coverage |
| 4️⃣ Benefits for Single Parents | Financial relief for children’s healthcare needs |
| 💵 Premium Range | $75.30 per fortnight - $1,958.05 per year |
| ⏰ Waiting Periods | 2 months for general services, 12 months for major services |
Key Features of Silver+ No Pregnancy Hospital Plan
- This plan provides comprehensive access to male reproductive health procedures.
- The financial strain on families is eased by excluding excess charges for dependents.
- A wide range of services, including lung and chest procedures, are covered under the plan.
Silver+ Family Hospital Plan Overview
The TUH Silver+ Family Hospital Cover has extensive healthcare services. It provides flexibility in managing excess levels and focuses on essential treatments for diverse medical needs.
| 🔎 Feature | 📌 Details |
| 💶 Excess Levels | $400, $750 |
| ☑️ Inclusions | Assisted reproductive services, pediatric care, bone and joint surgeries, digestive system treatments, and more |
| ❌ Restrictions on Plan | Limited coverage for psychiatric services, rehabilitation, and palliative care |
| 1️⃣ Benefits for Singles | Comprehensive hospital coverage without maternity needs |
| 2️⃣ Benefits for Families | No excess for dependents, broad pediatric coverage |
| 3️⃣ Benefits for Couples | Flexible excess options for comprehensive in-hospital coverage |
| 4️⃣ Benefits for Single Parents | Financial relief for family coverage, pediatric-focused services |
| 💵 Premium Range | $84.30 per fortnight - $2,394.45 per year |
| ⏰ Waiting Periods | 2 months for general services, 12 months for major services |
Key Features of Silver+ Family Hospital Plan
- Provides assisted reproductive services and comprehensive family health solutions.
- Dependents covered under the plan are not subject to excess payments, offering financial relief.
- Access to critical pediatric services such as ear, nose, and throat treatments is ensured.
Gold Hospital Plan Overview
The TUH Gold Hospital has all-inclusive coverage across 38 clinical categories. The Gold Hospital Plan suits different demographic groups, including singles, couples, families, and single parents.
| 🔎 Feature | 📌 Details |
| 💵 Excess Levels | $400, $750 |
| ☑️ Inclusions | All 38 recognized clinical categories, including joint replacements, weight loss surgeries, pregnancy services, and more |
| ❌ Restrictions on Plan | None |
| 1️⃣ Benefits for Singles | Comprehensive coverage with flexible premium management |
| 2️⃣ Benefits for Families | No excess for dependents, full maternity, and pediatric care |
| 3️⃣ Benefits for Couples | Broad reproductive and healthcare coverage |
| 4️⃣ Benefits for Single Parents | Full access to critical services for both parents and dependents |
| 💶 Premium Range | $125.15 per fortnight - $3,253.55 per year |
| ⏰ Waiting Periods | 2 months for general services, 12 months for major services |
Key Features of Gold Hospital Plan
- All 38 recognized clinical categories are covered comprehensively under this plan.
- Financial flexibility is provided by selecting a higher excess option to reduce premium costs.
- High-cost procedures like joint replacements and weight loss surgeries are included without restrictions.
- Dependents face no excess charges, making the plan more family-friendly.
TUH Health Insurance Extras Plans
Here is a compressed view of the unique features of all the TUH Extra plans
| 🔎 Plan Name | 📌 Unique Features |
| 💚 Basic Extras | Flexible standalone or combined cover, telehealth options, essential dental, optical, and therapies. |
| 💙 Mid-Range Extras | Flexible service access, increasing annual limits over time, health management programs coverage. |
| 🩷 Healthy Options | 60% rebate on eligible services, Active Health Bonus, and comprehensive telehealth services. |
| 💜 Everyday Extras | Affordable with practical coverage, wide service range, Active Health Bonus, and clear annual limits. |
| ❤️ Family Extras | Family-specific limits, pediatric services, school accident cover, remote travel, and accommodation. |
| 💛 Comprehensive | Extensive coverage, increasing limits over time, prosthetics and health programs, and high telehealth access. |
Key Features of TUH Extras Plans
- Flexible coverage options with telehealth, essential dental, optical, and therapies.
- Increasing annual limits and health management programs with flexible service access.
- 60% rebate on eligible services and comprehensive telehealth services with Active Health Bonus.
Recent User Reviews
🥇 Excellent Support During Hospital Stay
TUH was amazing during my family’s difficult hospital stay. We received regular updates and extra help from the personnel. Their genuine care and immediate support made all the difference. – Jay
🥈 Great Flexibility and Family Perks
TUH is great for my family. We love our policy’s flexibility and perks for our adult children. Extra bonuses make it even better. – Elliot
🥉 Reliable and Personalized Customer Support
Being at TUH has relieved my health issues. Communication with their customer support team is prompt and personalized. Never had any serious concerns, and I’m pleased to continue with them long-term. – Nicky
TUH Health Insurance vs nib Health Insurance vs GMHBA Health Insurance – A Comparison
| 🔎 Provider | 🥇 TUH Health Insurance | 🥈 nib Health Insurance | 🥉 GMHBA Health Insurance |
| 📌 Years in Operation | 52 years | Over 70 years | 90 years |
| 👥 Average Number of Members | 85,000+ | Over 1.7 million members | Over 320,000 members |
| 🛡️ APRA Regulation | ✅Yes | ✅Yes | ✅Yes |
| 👤 Number of Employees | 50 – 200 | Approximately 1,500 employees | 201-500 |
| 📉 Market Share | 1.5% | 9.6% | Australia’s leading regionally-based health insurer |
| 📈 Market Coverage | Australia-wide coverage | Australia-wide coverage | Australia-wide coverage |
| ❤️ Customer Rating | 4.7 out of 5 | Average of 4.8 out of 5 | 4.5/5 |
| ⭐ Number of reviews | 800+ | 1,000+ reviews | 1,000+ |
| 📲 Mobile App | ✅Yes | ✅Yes | ✅Yes |
| 💷 Premium Range (AUD) | From $36.30 per fortnight to $3,253.55 per year | From $3.34 per week to $3,067.69 per year | $5.55 per week to $3,269.80 per year |
| 🌎 International Travel Benefit | None | ✅Yes | Not offered directly |
| 📌 Market Capitalisation | Not applicable | AUD 2.90 billion | None indicated |
| 📍 Unique Features | Not-for-profit, affordable premiums, range of cover options, focus on teacher members, award-winning health cover | GreenPass membership, partnership with Priceline for branded hospital and ancillary cover, sponsorship of notable sports teams, comprehensive mobile app support | Youth Discount, Access Gap Cover, Online Member Area, Emergency Ambulance Cover |
Advantages of Using TUH Health Insurance
TUH Health Insurance stands out due to its strong ties with the education sector, providing unique member benefits and prioritizing value reinvestment.
- Comprehensive School Accident Cover is provided to dependents involved in school-related incidents, ensuring safety and support in emergencies.
- Partnerships with unions like QTU provide members with exclusive perks, promotions, and community support initiatives.
- The Active Health Bonus rewards members for proactive health management, encouraging regular check-ups and wellness activities.
- TUH’s value reinvestment model channels profits into enhancing member benefits and services, continuously improving its offerings.
The insurer’s exclusive partnerships with unions like the Queensland Teachers’ Union (QTU) and Brisbane Catholic Education enhance its appeal to specific groups.
TUH Health Insurance Gap Cover
TUH’s Access Gap Cover supports a network of participating specialists to provide transparent cost management and reduce unexpected medical expenses. The Access Gap program lets members confirm upfront fees to provide financial predictability and peace of mind during treatment.
The Access Gap Cover program by TUH operates through agreements with a network of specialists who agree to charge either no gap or a minimal gap to members for specific services.
Medicare covers 75% of the Medicare Benefits Schedule (MBS) fee for eligible hospital services, and TUH covers the remaining 25%. However, if the doctor charges more than the MBS fee, the difference is where the gap occurs.
TUH Health Insurance App Features
TUH’s app gives members a hands-on, all-encompassing way to manage their health insurance remotely. The TUH App offers access to referral bonuses, seamless benefit tracking, and direct management of dependents.
- The app has several functionalities that let members maximize their TUH membership. One is the Referral Bonus Access, which lets members easily monitor and redeem referral benefits through the app.
- Another core feature is the Benefit Tracker, where members can keep tabs on their coverage limits, claim history, and usage for various extra services.
- The Provider Finder tool is integrated into the app, allowing members to search for preferred healthcare providers within their network based on their current location.
- With the Beneficiary Management option, members can update cover details for existing dependents or even add new ones directly through the app.
| 🔎 Feature | 📌 Details |
| 📉 Supported Devices | Available on Android 6 or later and iOS 10 or later |
| 📈 Download Instructions | Google Play Store for Android, App Store for iOS |
| 📊 System Requirements | Requires location and camera permissions |
| 💹 Number of Downloads | Over 10,000 on Android alone |
| 📉 Key Functionalities | Contactless claims, payment management, provider finder, data security |
The app also facilitates payment management, letting users view and adjust their payment plans to fortnightly, weekly, or other options that suit their needs.
How to apply for TUH Health Insurance
TUH offers a streamlined online application process, personalized phone assistance, and the option to visit the local Health Hub for direct support. TUH has a streamlined online application process, personalized phone assistance, and the option to visit their local Health Hub for direct support.
Here’s how you can apply for health insurance with TUH:
- Use TUH’s online cover calculator to generate a tailored quote based on your budget and healthcare needs.
- Once you’ve selected a plan, complete the application form on TUH’s official website.
- Upload or provide documents like union membership proof or identification.
- Select your preferred weekly, fortnightly, or monthly payment schedule based on the plan’s options.
- Review the provided details and finalize your application to activate coverage.
If you need help at any step, you can book a call with TUH’s local team through their callback feature or contact them directly at 1300 360 701.
How to apply for TUH Health Insurance Gap Cover
Members who want Gap Cover can opt in easily by following these steps:
- Verify if your treating specialist is part of TUH’s Access Gap Cover program. Contact TUH or use their app to search for participating specialists.
- Confirm that your planned procedures are eligible under the Access Gap Cover scheme and that your policy includes the necessary coverage.
- Obtain and review the Medicare Benefits Schedule (MBS) item numbers from your specialist to check if additional fees apply.
- Use the TUH website or contact their support center to apply the procedure, including MBS item numbers and relevant documents.
Get informed financial consent from all involved specialists.
How to Submit a Claim with TUH Health Insurance
TUH Health Insurance has a modern approach to filing claims by offering members multiple submission platforms, such as an integrated mobile app, an online portal, and direct billing arrangements with healthcare providers. Here’s how you can claim from TUH:
- Open the TUH app, select ‘Start a new claim,’ and choose ‘Easy Claim’ or ‘Fast Claim.’ For an easy claim, take a clear photo of your receipt and submit it. Fill in the required details for a fast claim and submit it for quicker processing.
- Alternatively, log in to TUH’s online portal, select the claims option, complete the required claim form, and upload relevant documents such as receipts or invoices.
- When admitted to a hospital, provide your TUH membership details, and in most cases, the hospital and specialists will bill TUH directly for covered services.
Monitor the status of your submitted claims through the app or online portal to stay updated on processing times and benefits received.
How to Downgrade My Plan with TUH Health Insurance
TUH allows members to downgrade their plans should their financial, personal, or medical needs change. Here’s how to downgrade a TUH Health Insurance plan:
- Review the current plan to see where there are redundant features and compare the plan with options available for downgrading. Remember to consider coverage changes, waiting periods, and cost adjustments.
- Contact TUH’s customer service via phone or the online portal to discuss your intention to downgrade.
- Once you’ve decided on a new plan, submit your downgrade request through the online portal or by speaking with a customer service representative.
- TUH will provide updated policy documents outlining the new terms once the request has been completed and the downgrade approved.
Important Considerations
| 📉 Premium Changes | Downgrading will result in lower premiums but also reduce coverage and benefits |
| 📈 Coverage Limitations | Certain benefits might be restricted or removed |
| 📊 Waiting Period Adjustments | Downgrading can reset waiting periods for new services added to your plan |
| 💹 Hospital and Extras Changes | Downgrading can affect your hospital coverage or extra coverage |
How do I add a Beneficiary to TUH Health Insurance?
TUH Health Insurance lets members add eligible beneficiaries to existing health insurance plans by following these steps:
- Go to the TUH website or request the registration form via email or postal mail from TUH customer service.
- Provide your member details and the beneficiary’s name, date of birth, and contact information.
- Indicate whether you are adding a student or extended dependant and provide relevant documentation, such as proof of enrollment for student dependents.
- Review the form, sign the declaration, and send it to TUH via email or the postal address provided.
| 🔎 Eligibility Requirement | 📌 Supported Beneficiaries | 🔖 Documentation Needed |
| 📉 Must be a current or former union member | Parent, Partner/Spouse, Child | Proof of union membership or dependent status |
| 📈 Age under 31 years | Dependent child or adult | Proof of age and relationship |
| 📊 Unmarried or not in a de facto relationship | Sibling, Grandchild | Relevant identification and relationship proof |
How to Submit a Compliment or Complaint with TUH Health Insurance
Members can provide feedback on TUH Health Insurance either in the form of a compliment or complaint using several avenues, including the following:
- Direct Communication: Reach out to the employee you interacted with to resolve the issue first. This initial contact often provides immediate solutions.
- Contact a Manager: If unresolved, ask a team leader or manager to review and address your concern.
- Submit to a Complaints Coordinator: If necessary, request to involve the dedicated Complaints Coordinator, who will officially document and follow up on your case.
Expect a formal response within 10 business days, either through email, phone, or letter, depending on the nature of the issue.
Feedback Submission Response Times and Escalation Procedure
| 🔎 Submission Method | ⏰ Typical Response Time | 📌 Escalation Procedure |
| 💌 Email ([email protected]) | Acknowledgment within 2 days | Escalated to Complaints Coordinator if needed |
| ☎️ Phone (1300 360 701) | Immediate acknowledgment | Team leader and executive review |
| 🥰 In-Person | Immediate acknowledgment | Formal review and executive manager |
How to Switch My Health Insurance to TUH Health Insurance
Transitioning to a new health fund can be complex, but TUH provides tools and resources to support new members.
The insurer offers measures to make the switch seamless, such as continuity of cover for existing benefits and communication of any waiting periods. Let’s explore the process and key steps in more detail.
- Review your current health insurance plan’s benefits, waiting periods, and cancellation policy to avoid unexpected gaps or fees.
- Contact TUH’s customer service team to discuss your needs and get a quote.
- Confirm if you’re eligible for continuity of equivalent cover. If you join TUH within two months of leaving your previous health fund, your waiting periods are carried over.
- Request a Transfer Certificate from your current health fund and submit it to TUH to maintain continuity of coverage and verify your previous benefits.
- Complete the forms to finalize your membership with TUH.
Contact your previous health fund to formally cancel your old policy to avoid dual payments after confirming your TUH membership is active,
TUH Health Insurance Pet Cover
TUH doesn’t directly offer pet insurance. TUH has partnered with Petinsurance.com.au to provide cover for cats and dogs. This partnership offers customizable plans for members to choose an appropriate cover level and benefits based on their pets’ needs during different life stages.
Petinsurance.com.au lets members choose from Silver, Gold, and Platinum plans for dogs and Bronze, Gold, and Platinum plans for cats. These plans cover accidental injuries and illnesses, letting pet owners claim up to 80% of eligible vet costs.
Pet Cover Details
| 🔎 Plan | 💶 Annual Benefit Limit | 📈 Benefit Percentage | 💵 Excess | 💹 Key Coverage | 💙 Optional Add-ons |
| 🐶 Silver (Dogs) | Up to $20,000 | 80% | $0, $250, $500 | Certain Injuries and illnesses, optional dental | Routine care |
| 🐕 Gold (Dogs) | Up to $20,000 | 80% | $0, $250, $500 | Expanded cover for injuries and illnesses, optional dental | Routine care |
| 🐩 Platinum (Dogs) | Up to $30,000 | 80% | $0, $250, $500 | Comprehensive cover, including dental conditions | Routine care |
| 🐱 Bronze (Cats) | Up to $20,000 | 80% | $0, $250, $500 | Certain conditions, optional dental | Routine care |
| 🐈 Gold (Cats) | Up to $20,000 | 80% | $0, $250, $500 | Certain injuries and illnesses, optional dental | Routine care |
| 🐈⬛ Platinum (Cats) | Up to $30,000 | 80% | $0, $250, $500 | Comprehensive cover, including dental conditions | Routine care |
TUH Health Insurance Travel Insurance
TUH Health Insurance partners with Allianz Global Assistance to offer travel insurance. While TUH doesn’t provide direct travel coverage, members can access comprehensive travel insurance services through this partnership, securing protection for travel-related incidents.
TUH members benefit from travel insurance that covers different situations, from lost luggage to major issues such as overseas medical emergencies. Here’s more information on the travel insurance members can expect:
| 🔎 Coverage Levels | Comprehensive, Multi-Trip, Domestic |
| 💊 Medical Assistance | 24/7 emergency support, nurses, and doctors for overseas |
| 🩺 Pre-Existing Conditions | Coverage options based on medical assessment tool |
| 🧑⚕️ Claim Process | Online claims portal for easy submission |
| 📌 Additional Benefits | Rental vehicle cover, luggage protection |
| 🗃️ Policy Management | 24/7 portal for policy adjustments |
| ⏰ Waiting Periods | Varies by coverage level and selected options |
| ☎️ Emergency Contact | Available 24/7 for urgent medical assistance |
TUH Health Insurance Corporate Responsibility
TUH Health Insurance is deeply committed to supporting community programs and initiatives that promote education, reconciliation, and social responsibility. Their involvement extends beyond health coverage, with a genuine dedication to enhancing community well-being.
TUH sponsors a range of impactful programs, including the Brisbane Catholic Education Excellence Awards, which highlights innovation in Queensland schools, and a partnership with beyondblue to support mental health. They also back the C2K Rugby Academy Program, helping develop junior pathways in Australian rugby, and hold White Ribbon Workplace Accreditation to combat harassment and violence.
Additionally, TUH supports the Salvation Army Youth Outreach by funding scholarships for at-risk youth and fosters relationships through their Reconciliation Action Plan (RAP) with Aboriginal and Torres Strait Islander communities. TUH’s Future of Teaching Bursary and Excellence in Teaching Awards also contribute to professional development and recognize outstanding educators in Queensland.
TUH Health Insurance Regulation
The Australian Prudential Regulation Authority (APRA) and the Australian Competition and Consumer Commission (ACCC) regulate private health insurance in Australia.
TUH Health Insurance is a member of APRA under Queensland Teachers’ Union Health Fund Limited (ABN 38 085 150 376) Specific Responsibilities and Regulatory Focus Areas of APRA and ACCC:
- Maintaining Financial Stability: APRA actively monitors private health insurers through regular risk assessments and financial stress testing to ensure their solvency.
- Ensuring Fair Pricing and Transparency: The ACCC oversees premium adjustments, reviewing increases to confirm they meet regulatory standards and safeguard consumer fairness.
- Protecting Members’ Interests: APRA and ACCC are dedicated to enforcing market integrity and shielding members from misconduct and potential financial threats.
The primary regulatory framework comes under the Private Health Insurance Act 2007, alongside the oversight functions of APRA and ACCC.
TUH Health Insurance Awards and Recognition
In 2023, TUH ranked in the top two for trust and quality in the Ipsos Health Care and Insurance Australia research, demonstrating consistent performance.
In 2021, TUH earned accolades as one of the top three customer service providers, showcasing its dedication to putting members first.
TUH also received the Private Health Insurer of the Year award in the Roy Morgan Customer Satisfaction Awards, further validating its focus on delivering exceptional member experiences.
TUH Health Insurance Customer Support and Contact Details
Members and prospective members can contact TUH Health Insurance using different channels, depending on what’s most convenient for them. Here are the support options:
| 🔎 Support Channel | 🅰️ Contact Information | 🅱️ Operating Hours (AEST) | 📑 Notes |
| ☎️ Call Center | 1300 360 701 | Mon-Thu: 8 am – 6 pm, Fri: 8 am – 5 pm | Direct assistance with policy queries, claims, etc. |
| 🌎 International Callers | +61 7 3613 5799 | Mon-Thu: 8 am – 6 pm, Fri: 8 am – 5 pm | For members calling from outside Australia |
| 💌 Email Support | [email protected] | 24/7 for email submissions | Responses within 1-2 business days |
| 🚩 Postal Address | PO Box 265, Fortitude Valley, QLD 4006 | N/A | For document submissions or formal correspondence |
| 📌 Online Portal | TUH Member Portal (website link) | 24/7 Access | Manage claims, update details, and access information |
TUH Health Insurance Rebates and Discounts
Like most health insurance firms, TUH offers rebates, age-based discounts, lifetime health cover loading, and other discounts and benefits. Here’s a comprehensive list of what members can expect with TUH:
Lifetime Health Cover Loading (LHC):
The government applies a loading fee for those who join hospital cover after 31 to encourage early sign-ups. It’s an extra 2% per year after that, capped at 70%.
Referral Bonus:
For every new member you refer, TUH rewards you with a $100 eGift Card with zero limits on the number of referrals.
Active Health Bonus:
If you regularly go for check-ups like dental, optical, or physio, you can score credits towards your extras cover.
Medicare Levy Surcharge (MLS):
High earners without hospital coverage pay an extra tax through the MLS, starting at incomes above $97,000 ($194,000 for families).
Medicare Benefits Schedule (MBS):
The MBS sets standard fees for medical services. If a provider charges more, you might pay a gap fee, but you can claim a rebate on the set amount.
Combined Plan Discounts:
Bundling your hospital and extras cover means you could be eligible for exclusive discounts on your premiums.
Age-Based Discount:
Young members (ages 18 to 29) get progressive discounts if they keep their policies active.
TUH Health Insurance Additional Health Services and Products
TUH offers additional health services and products that help members manage their health, save money, and find convenient care solutions. Here’s a look at what TUH offers:
| 🔎 Service/Product | 📌 Purpose | 🚩 Key Benefits | 📍 Eligibility |
| 📉 Care Coordinator Program | Helps members navigate health services | Personalized support to find the right care after hospitalization | Available to members needing extended care |
| 📈 Preferred Provider Network | Offers discounts on key health services | Agreed rates on dental, optical, physiotherapy, and podiatry care | All TUH members |
| 📊 Hospital Substitute Programs | Alternative to hospital stays for recovery | Tailored treatment options, including home-based care | Members covered under specific hospital policies |
| 💹 Short Stay Joint Replacement | Quick joint replacement surgery at East Sydney Private Hospital | No out-of-pocket costs for eligible procedures | East Sydney Private Hospital members |
| 📉 Hatch Private Maternity Care | High-quality maternity care | No-gap care for maternity services | South East Queensland members |
| 📈 Health-e-Profile Assessment | Identifies health risks | Online tool for spotting potential chronic conditions | All TUH members |
| 📊 Accident Cover | Immediate cover for accidents | Covers emergency hospitalizations and surgeries | Accident must meet TUH’s policy criteria |
TUH Health Insurance Pros and Cons
| ✅ Pros | ❌ Cons |
| Members benefit from Access Gap Cover | Switching plans can impact existing hospitals and extra coverage |
| TUH offers Care Coordinator support for members after hospitalization | Downgrading a plan can lead to resetting waiting periods |
| The insurer partners with unions to provide exclusive perks and community support initiatives | TUH does not offer direct international medical coverage |
| The Silver+ Family Hospital plan covers assisted reproductive services and pediatric treatments | High-cost services, such as some specialist treatments, are not fully covered |
| TUH provides a 15% discount on travel insurance in partnership with Allianz Global Assistance | Certain plans have limited coverage for psychiatric services, rehabilitation, and palliative care |
| TUH’s app supports seamless policy management and claims submissions | Dependents’ no-excess benefits do not apply to all plan types |
| TUH’s corporate responsibility initiatives include support for Beyondblue and student scholarships | Reduced coverage for weight loss surgeries |
In Conclusion
Overall, TUH Health is a health insurer dedicated to union members with a sense of community and long-term value. TUH’s commitment to members shines through with exclusive union partnerships and flexible benefits like the Active Health Bonus.
The ability to include adult dependents up to 31 years is a unique feature, catering to families with extended needs. Their innovative app, while basic, supports essential health management.
However, there are limitations. TUH’s exclusion of direct travel and pet insurance reduces overall coverage flexibility and forces members to deal with partners instead.
The waiting periods for certain services can be challenging for new members. The range of combined cover plans is restricted compared to larger providers.
Despite these drawbacks, TUH’s focus on union-specific benefits and community-oriented initiatives make it an option for existing and prospective members who want reliable and tailored health solutions.
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Frequently Asked Questions
Can I add extra coverage to a hospital plan?
Yes, TUH lets you add extras to your hospital plan, depending on your health insurance plan and the eligible extras.
How can I find a preferred healthcare provider through TUH?
The TUH app’s Provider Finder function lets you search for contracted healthcare providers near you.
How can I submit a claim using the TUH app?
You can submit claims by taking a photo of your receipt using the TUH app’s ‘Claims’ section.
How does the TUH gap cover work?
TUH’s Access Gap Cover reduces the costs members pay from their pocket by partnering with experts who agree to zero or minimum gap fees.
