TUH Health Fund

Spending quality time with family and friends, relaxing by the beach or taking your dog for a walk – it’s the little things that make a happy, meaningful life. But it’s harder to enjoy the little things if you’re not healthy. This is where getting private health insurance can help.

Private health cover can give you hand with life’s road bumps – from unexpected illnesses to unwanted health bills – and give you more time for the things that count. TUH health insurance is an Australian health fund that can help protect you and your family and bring you greater peace of mind. Learn more about TUH including who can become a member and how to join TUH here.

What is TUH?

Over the last four decades, TUH has grown from a fund that was launched in Queensland to provide quality health cover for teachers to a provider that has opened its doors to all Australian union members and their families. TUH members include nurses, firefighters, teachers and government employees – just to name a few.

Who can join TUH?

To join TUH, you need to be a current or former Australian union member or a family member of one. TUH defines family member as a parent, partner, former partner, dependent child, adult child (and their partner), grandchild, brother or sister (and their partner and dependent children). If you meet the criteria to join TUH, you can get cover whether you’re a single, couple, family or a single parent family.

What makes TUH different?

A major benefit of joining TUH is that it’s a not-for-profit fund that is 100% member-owned. The premiums you pay go straight back to member benefits instead of profit to shareholders. According to the Australian Prudential Regulation Authority, TUH pays 10% more in benefits than the industry average – a great reason to consider making TUH your insurance provider.

Another reason to join TUH is their high customer satisfaction rating. TUH members reported a satisfaction rating of 96%. Thanks to this, TUH has been growing five times faster than average with 50% of its new members joining through word of mouth.

What type of hosptial cover does TUH offer?

If you join TUH, you can choose between separate hospital cover – or a combination of hospital and extras cover under one policy.

Hospital insurance covers hospital fees, such as medical fees, hospital accommodation, intensive care and hospital medication. TUH provides a range of hospital cover options that are in line with the Federal Government’s new tiered system. These are:

• Bronze+ Hospital: This cover provides treatment in a private hospital for medically necessary treatment (restrictions and exclusions apply). It has the option of either a $500 or $750 excess to keep premium costs lower.
• Silver+ No Pregnancy Hospital: Treatment in a private hospital for medically necessary treatment, excluding pregnancy, birth and assisted reproductive services. It has the option of either a $400 or $750 excess.
• Silver+ Family Hospital: Treatment in a private hospital for medically necessary treatment, including pregnancy, birth and assisted reproductive services. It excludes cataracts and weight loss surgery, and has the option of either a $400 or $750 excess.
• Gold Hospital: The highest level of hospital cover available from TUH, this provides treatment in a private hospital for all medically necessary treatment, except for experimental procedures.

If you’re young and fit, you might be after a basic level of cover to keep your costs down, which means you’d be leaning towards the Bronze+ Hospital Cover. If you’re older and want total peace of mind, comprehensive Gold Hospital may be suitable for you.

What types of extras cover does TUH offer?

When it comes to extras, you can choose a separate extras policy with TUH, or you can choose a combination hospital and extras policy.

Extras insurance covers general, non-hospital treatment like TUH dental, physiotherapy, optical and chiropractic care. TUH’s extras cover includes the following:

• Basic Extras: Affordable cover for key services like general dental, optical and selected therapies such as chiropractic, physiotherapy, massage therapy and osteopathy.
• Mid Range Extras: A selected range of extras including general and major dental, orthodontics, optical and other therapies. Provides up to 80% on health screenings and health management programs.
• Healthy Options (60%) Extras: Provides general and major dental, orthodontics, optical and other therapies, with a 60% benefit on included extras up to your annual limit.
• Family Extras: Offers no annual limit on general and preventative dental and provides a health management benefit up to 80% on health screenings.
• Comprehensive Extras: A wide range of extras, including dental, orthodontics, physiotherapy, massage, podiatry, health appliances and more. Annual limits increase with years of membership.

How do you make a claim with TUH?

When making a claim with TUH, you can choose the method that suits you best. You can swipe your TUH member card on the spot – if your health provider offers the Health Industry Claims and Payments Service (HICAPS) technology at their clinic. Or, you can claim your services online through the TUH login or via the TUH app. Finally, you can email or post your TUH claim form for payment.

How do you make payments for TUH?

Paying for TUH is effortless. You can pay through direct debit from your bank account or via credit card, provided that its either Mastercard or Visa. You can make your payments monthly, or pay for a year upfront.

How do you become a TUH member?

Considering getting cover for you and your family with TUH? At iSelect, we’ve made it easy for you. Have your Medicare card ready to go and simply log on – or call 13 19 20 and one of our consultants will help you apply.

Compare your health insurance with iSelect.

We don’t compare all health insurance providers or policies in the market. The availability of policies will change from time to time. Not all policies available from our partners are compared by iSelect and due to commercial arrangements, your stated needs and circumstances, not all policies compared by iSelect will be available to all customers. Some policies are available only from our call centre and others are available only from our website. Click here to view our range of providers.

All TUH plan information can be found on the TUH website.