TUH Health Fund
TUH Health Fund
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Long story short
TUH’s not-for-profit advantage
As a not-for-profit health fund, TUH reinvests back into its members, returning nearly $30 million in savings in 2023.1TUH – TUH passes $30 million in savings straight back to members
Inclusive membership
Originally created for teachers, TUH now welcomes all current and former union members and their families, making health insurance accessible for more people.
Effortless claims
No paperwork, no stress. All you need to do is tap your digital TUH card or use the TUH app to make claims in a flash.
Shopping discounts for members
Get up to 30% off Australian brands and services to support your health and budget.
Telehealth services covered
TUH covers a range of telehealth services, from psychology to dietitians, to make sure you can get the care you need from the comfort of your home.
Who is TUH?
TUH (Teachers Union Health) was created over five decades ago by a group of teachers looking for a health fund that really understood what educators needed. Fast forward to today and this not-for-profit Queensland insurer has grown into a health provider that’s opened its doors to all current and former Australian union members and their families.
So, if you’re a current or former union member, TUH is a health insurance provider that you can trust to be your lifetime partner.
What makes TUH different?
Claims made easy
With TUH there’s no paperwork and no hassle; just tap your digital card or snap a pic of your receipt. Making a claim has never been easier thanks to the fund’s user-friendly app.
TUH customers come first
Being awarded 2022 Private Health Insurer of the Year in the Roy Morgan Customer Satisfaction Awards is a clear testament to TUH’s unmatched service to their customers.
Extra savings on Australian brands
Enjoy up to 30% off a range of brands and services to help support and improve your wellbeing without the strain on your budget.
Happy customers
In 2022–23, 90.6% of TUH hospital cover members kept them as their chosen health insurer.3Commonwealth Ombudsman – State of the Health Funds Report, p14 When you also look at the fund’s 0.01% of complaints, you can see why TUH members might keep sticking around.4As above
Who can join TUH?
While TUH is listed as a restricted membership fund, they’re anything but exclusive.
Being a restricted membership fund isn’t as strict as it seems. While the name sounds like it’s for a high-profile group of people, it simply means that it’s been created with a particular set of people in mind. In TUH’s case, this started as educators and has since expanded to current and former union members and their families.
If you meet the criteria to join TUH, you can get cover whether you’re single, a couple, a family, or a single-parent family.

Recognised Australian union members and former members, including but not limited to: | Family members: |
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What types of policies does TUH offer?
TUH offers a range of policies to keep you covered no matter what you need:
Hospital cover: If you need to be admitted into hospital for a specialist appointment or surgery, hospital cover will take care of some of the costs. This means you can get more choice in who treats you, and likely find shorter waiting periods for elective surgery.
Extras cover: If you love visits to your physio, keeping on top of your yearly dentist check-ins, or any other type of specialist treatment, extras policies might be your match. The extras included will depend on the policy you choose.
Combined hospital and extras cover: A combined hospital and extras policy is great for those who want every base covered.
Frequently asked questions
Does TUH cover telehealth services?
TUH has made it easy to book some extras over the phone or via video, so you can fit your appointments around your busy lifestyle. Telehealth is a service that’s all about flexibility, whether you’ve moved away from your go-to dietitian, or you’re stuck at home with a sick little one but still need to check in with your therapist.
TUH covers a wide range of telehealth services, including physiotherapy, exercise physiology, psychology, dietetics, occupational therapy and speech therapy. For new mums, they also include lactation consultations, plus antenatal and postnatal midwife services.
Does TUH cover pre-existing conditions?
TUH covers members even if they have a pre-existing condition, but there might be some differences in waiting periods.
Pre-existing conditions are illnesses or ailments that you’ve had for six months or longer. If you’re applying for a policy and might have a pre-existing condition, TUH will get the help of a healthcare professional to review your information and make a call on whether it counts or not.
If you have a pre-existing condition and you’re new to health insurance, upgrading, or transferring funds, you’ll have to wait 12 months for hospital benefits related to that condition. But if you’ve already finished all your waiting periods with another fund, you’re good to go without waiting.
What member benefits does TUH offer?
Who doesn’t love a good perk? For those who want a little extra bang for their buck, TUH offers a ton of benefits on top of their health coverage, including:
- up to 30% off selected Australian brands
- a digital membership card and app
- a referral gift card
- trade secrets to get the most out of your membership
- a bonus to help you pay out-of-pocket expenses
- a care coordinator to help you find the right support when you leave hospital.
How do you make a claim with TUH?
Claiming with TUH is quick and painless. You’ve got four main options: on the spot, through the app, online, or by post.
On-the-spot claiming
If you want to claim on the spot and tick another thing off your to-do list, make sure your clinic has a HICAPS terminal. This means all you have to do is tap your TUH membership card, pay the balance (if there is one), and your claim will be processed.
TUH’s app
For the easiest app option, snap a picture of your receipt with the easy claim feature and you’re done! It’s perfect for those who want to get their claim through without having to think. If you don’t mind filling out a few details, go with the app’s fast claim option to get the ball rolling a little quicker.
Online
No need to send any receipts, just log in to the member portal and follow the instructions to make your claim. Just make sure to keep all your receipts for the next 12 months in case TUH needs to check them.
Post
Prefer old school methods? For hospital cover, you can also opt to send your claim form and Medicare statement of benefits forms to TUH in the mail.
How do you make payments for TUH?
Paying your TUH premium is easy, with different options to suit nearly everyone. Just set up a direct debit from your bank account or credit card and choose from fortnightly, monthly, quarterly, half yearly or annual payments.
If you want to lock in even more savings, TUH lets you take advantage of rate protection. This means you can pay for your membership up to 12 months in advance at today’s rate.
TUH helpful tip:

Looking into family plans? Make sure you know how long your kids can stay covered on your plan. Generally, adult children will remain a part of the family plan until they’re 21 (if they’re not married or in a de facto relationship). But if they meet certain eligibility criteria, they could be allowed to hang on to the main policy as dependants until they’re 31, depending on your insurer. This means they can enjoy all the perks of your family plan for a little bit longer.
Want to become a TUH member?
Liking the people-first foundations of TUH? Or the fact that they’re a not-for-profit health fund? No matter what you’re looking for, at iSelect we’re here to help you find a suitable health insurance match. Start comparing health insurance online or call our health comparison experts at 1800 784 772 to find your best match.