CUA Health Insurance

Think CUA is right for you? Compare CUA Health Fund policies and find out.

If you want the ability to choose your doctor and where you are treated when you’re ill or injured, private health insurance provides the options and financial support you need.

Although better known for its range of banking products and services, CUA also offers a range of private health insurance covers. CUA Health has been helping Australians look after their wellbeing since 1976, offering a choice of hospital and extras policies to allow you to customise cover to suit your needs. does not currently have access to this health insurance brand. You may wish to compare options available on the health insurance homepage.

CUA Health Insurance options

CUA’s hospital cover options are designed to offer a wide range of benefits while at the same time be budget friendly for an extensive selection of people. There are five levels of hospital cover to choose from: Public Hospital, 65% Private, 75% Private, 90% Private and 100% Private. Starting with cover for treatment as a private patient in a public hospital only, the level of cover gradually increases until you won’t have to pay a cent for any hospital admission.

Hospital cover can be purchased on its own or bundled with one of CUA Health’s two extras cover options: Silver Extras and Gold Extras. Silver Extras provides a basic level of cover for treatments like optical, dental, physio and remedial therapies, while Gold Extras includes higher annual limits for all the same benefits and also covers things like travel expenses.

CUA Health Insurance Levels of Cover

  • Public Hospital. 100% Public Hospital Cover entitles you to be treated as a private patient in a public hospital. Members can choose their own doctor or specialist but are not able to avoid public hospital waiting lists. Benefits are also included for artificial hips and knees and for the difference between the Medicare benefit and the Medicare schedule fee.
  • 65% Private. Under this cover option, you will only pay 35% of a hospital admission capped at $1,000 per person per admission. However, this does not apply to dependant children. This covers same day surgery, single or shared room hospital accommodation, operating theatre fees and intensive care charges.
  • 75% Private. With this cover option you have to pay 25% of the cost of a hospital admission capped at $1,000 per person per calendar year. Cover is included for same day surgery, single or shared room hospital accommodation, operating theatre fees, labour ward and intensive care charges. Members can also choose their own doctor or specialist.
  • 90% Private. This covers all the same treatments and hospital services as the above policy, but with the difference that you only have to pay 10% of a hospital admission capped at $500 per person per calendar year.
  • 100% Private. Designed to offer high-level cover and maximum peace of mind, this cover means you will pay nothing when you are admitted to a private hospital – unless you select the $250 excess option. Cover is included for an extensive range of services and procedures, as well as for treatment as a private patient in a public hospital.
  • Silver Extras. This provides cover for a wide range of general treatments including dental, optical, physio, alternative therapies, occupational therapy, speech therapy, dietician, clinical psychology, hearing aids, pharmacy, podiatry and mammograms.
  • Gold Extras. This top-level extras option covers all the same treatments as a Silver Extras policy but up to much higher benefit limits each year. It also adds cover for travel expenses incurred when travelling to visit the policyholder or dependant when they are hospitalised far from home.

Are there any additional benefits?

  • The freedom to choose the provider you want. As CUA does not have a list of preferred providers, you can visit whichever extras health care provider you wish.
  • Discounted premiums. If you also have a CUA Rate Breaker Home Loan, you can receive one month free on your CUA Health Insurance premium every year.

CUA general exclusions you should know about

Your CUA Health Insurance claim will not be paid if:

  • It is for the difference between your doctor’s or specialist’s fee and the Medicare schedule/Access Gap Cover fee
  • It is for hospital treatment for which Medicare does not pay any benefits
  • It is for certain hospital expenses such as TV rental and phone calls
  • It is for any nursing-home-type admission
  • It is for a cosmetic procedure that is not medically necessary
  • It is for experimental or some high-cost drugs
  • It is for services not invoiced by the hospital
  • It is for emergency room treatment
  • It is for treatment that is considered an outpatient service
  • It is for a service which you are able to claim as damages or compensation.

How Much Does CUA Health Insurance Cost?

A wide range of factors can influence the cost of your CUA Health Insurance, including:

  • The level of cover you choose. The lower the level of cover the lower your premium will be, but the more you may have to pay when you are admitted to hospital.
  • The excess you choose. Selecting a higher excess will result in cheaper premiums.
  • Type of cover. Whether you choose standalone cover or combined hospital and extras cover.
  • The age at which you take out cover. Depending on how old you are, a premium loading may apply under the government’s Lifetime Health Cover scheme.
  • Your annual income. The amount you earn affects your eligibility for a private health insurance rebate.

CUA Health Insurance excess

Private health fund members need to take into account both the excess and the co-payment that applies to their policy option. The excess is the set amount you agree to pay towards the cost of hospital treatment (in return for lower premiums), while a co-payment is the percentage amount you agree to pay towards the cost of hospital treatment (in return for lower premiums).

As you can see in the table below, the excess and co-payment limits vary depending on your hospital cover:

Private hospital coverExcess and co-payments
100% Private Hospital CoverNothing
100% Private Hospital Cover with an excess$250 excess per person per calendar year
90% Private Hospital Cover10% co-payment capped at $500 per person per year
75% Private Hospital Cover25% co-payment capped at $1,000 per person per year
65% Private Hospital Cover35% co-payment capped at $1,000 per person per hospital admission

How to save on your CUA Health Insurance policy

  • Australian Government Rebate. Depending on how much you earn each year, you may be eligible for the Australian Government Rebate on the cost of your health insurance.
  • Choose a lower level of cover. This will cost less in terms of premiums, but may result in bigger bills when you’re admitted to hospital.
  • Choose an excess. If you have the 100% Private Hospital Cover option and choose to pay a $250 excess, you will receive lower premiums.
  • Sign up for cover before you turn 31. This will ensure that you avoid premium loadings under the Lifetime Health Cover scheme.

How to make a claim with CUA

Any hospital claims you make under your CUA Health Insurance policy will be automatically completed – all you’ll need to provide is your signature and then cover the difference between the Medicare Benefit and the Medicare Schedule/Access Gap Cover agreed fee.

When it comes to claiming treatment under your extras cover there are a few options. Many providers will offer on-the-spot electronic claiming where all you have to do is swipe your CUA Health membership card. Where this isn’t an option, you can choose to lodge your claim online, by mail or through the CUA Health Mobile Claiming app.

Use the CUA Health Mobile Claiming app



Will a waiting period apply when I take out cover?

Yes, all health funds will require you to serve a waiting period once you apply for cover. However, this does not apply to ambulance and accident cover.

I was taken to the emergency ward of a private hospital but was not admitted – will I be covered by my CUA policy?

No. Your health fund does not cover emergency wards. You will only be covered when you are admitted for treatment.

When do my benefit amounts reset?

Extras cover benefit limits are based on a calendar year and reset on January 1.

What is the CUA Rate Breaker Package?

This is a variable rate home loan product from CUA that entitles you to one free month of premiums every year on your CUA health cover.

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