CUA Health offers a variety of policies to suit any need or budget. Compare CUA Health's policies online and see if they are right for you.
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 has more than 40 years experience in private health insurance. 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.
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- No excess for kids. Family and Single Parent policy holders can cover their children until they turn 23 (or 25 if they are full-time students). If they are admitted to hospital during this time period all excess is waived for them.
- Choose your own provider for extras. CUA Health's extras cover allows you to choose who treats you. You don't need to visit an agreement provider to receive full benefits.
- Avoid government penalties. All CUA Health hospital policies will allow you to avoid the Medicare Levy Surcharge and the Lifetime Health Cover loading.
- Access Gap Cover Scheme. This allows you negate or avoid any out-of-pocket expenses.
- Premium discounts. If you take out a CUA Rate Breaker Package home loan you will receive one month of free premiums every year on your health insurance.
CUA’s health insurance options provide a wide range of benefits while at the same time being affordable to the budget conscious. 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.
Simply select the type of health insurance policy you are interested in for a more detailed breakdown of what you can expect to be covered for.
- Premium Hospital. CUA Health's top hospital policy, this covers a wide range of treatments and services including pregnancy (including childbirth), IVF, obesity-related treatments, joint reconstructions, accommodation, theatre fees and more. Unlike other CUA Health hospital policies you can choose between an excess amount of $0, $250 or $500 .
- Premium Hospital - Non-obstetrics. This policy includes all the benefits and cover of Premium Hospital while excluding pregnancy (including childbirth), IVF, gastric banding and obesity-related services. A good choice for those who don't need cover for these specialised services but still want a top tier hospital policy. This policy cannot be taken out without extras cover and an excess of $500 applies .
- Standard Hospital. Insuring you for a range of hospital treatments and services, Standard Hospital strikes a balance between level of cover and affordability. Besides accommodation in a private hospital, you are also covered for cardiac-related services, cancer treatments, accidents, tonsil or adenoid removal and more. Excess of $500 applies .
- Basic Hospital. An entry-level policy that is perfect for those who are not in need of cover for extensive services and are wanting to avoid the Medicare Levy Surcharge or Lifetime Health Cover loading. Basic Hospital insures you for essential hospital treatments while restricting or excluding others. An excess of $500 applies .
- Total Extras. Comprehensive extras cover for those wanting a complete health insurance solution for out of hospital services. Includes generous annual benefit limits on general dental, major dental (including orthodontics), optical, physiotherapy, non-PBS pharmaceutical, emergency ambulance transport and more.
- Classic Extras. A more affordable extras policy that includes cover for all the services in Total Extras but with reduced annual benefit limits and a smaller percentage back on health aids and appliances.
- Essential Extras. Basic extras cover that insures you for essential out of hospital services including general dental, optical, non-PBS pharmaceuticals, physiotherapy, chiropractic, emergency ambulance transport and more. Please note that this extras cover is only available if taken out as a combined policy with hospital cover.
- Create your own policy. CUA Health allows you to combine any of its hospital and extras cover together to suit your own health insurance requirements and budget. You should also be aware that two of CUA Health's policies can only be taken out as a combined policy. These are Premium Hospital - Non-obstetrics and Essential Extras.
You cannot lodge a claim with CUA health for the following services or treatments:
- Any out-of-pocket expenses.
- Services for which Medicare does not pay any benefits.
- Hospital expenses such as TV rental and phone calls.
- Any nursing-home-type admission.
- Cosmetic procedures that are not medically necessary.
- Experimental or some high-cost drugs.
- Services not invoiced by the hospital.
- Emergency room treatment.
- Treatment that is considered an outpatient service.
- Services being claimed as damages or compensation.
A wide range of factors can influence the premium amount you will have to pay, including:
- Your level of cover. The lower the level of cover the lower your premium will be.
- The excess amount you choose. Selecting a higher excess will result in lower premiums.
- The type of policy you take out. Whether you choose standalone cover or combined hospital and extras cover.
- Your age. If you take out cover after your 31st birthday you premiums will be increased by the Lifetime Health Cover loading.
- Your annual income. The amount you earn affects your eligibility for the Private Health Insurance Rebate.
- Hospital cover claims. Any claims should be forwarded to CUA Health automatically by the hospital you were treated at. You will need to provide your signature and then cover the difference between the Medicare benefit and the Medicare Benefit Schedule/Access Gap Cover fee.
- Extras cover claims. 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, which you can download below.
Use the CUA Health Mobile Claiming app
CUA Health Mobile Claiming
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 the 1st of January.
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.