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 it might be 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.
What are the benefits of joining CUA Health?
- Discount for CUA members. As of 4 April 2018, CUA is offering a 4% discount on health insurance if you pay your premiums via direct debit from a CUA transaction account.
- 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 can help you negate or avoid out-of-pocket expenses.
- Premium discounts. If you take out a CUA Rate Breaker Package home loan you may receive one month of free premiums every year on your health insurance.
What type of policies do CUA Health offer?
CUA’s health insurance options can 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're covered for all Medicare procedures in a private hospital.
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 .
- 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.
How many hospital agreements does CUA Health have in my state and in total?
The level of cover you choose isn’t the only factor that impacts the benefit your health fund pays when you receive hospital treatment. In fact, this amount can also be affected by whether or not your health fund has an agreement with the hospital where you are treated.
The table below lists the number of hospital agreements CUA Health has in your state or territory. The industry maximum figure across all Australian health funds is included for your reference.
|Private hospital agreements||Day hospital agreements|
|NSW||100 (industry maximum: 101)||87 (industry maximum: 96)|
|ACT||5 (industry maximum: 7)||8 (industry maximum: 9)|
|VIC||82 (industry maximum: 84)||70 (industry maximum: 75)|
|QLD||52 (industry maximum: 57)||45 (industry maximum: 51)|
|SA||28 (industry maximum: 29)||24 (industry maximum: 27)|
|WA||21 (industry maximum: 23)||23 (industry maximum: 26)|
|TAS||5 (industry maximum: 8)||3 (industry maximum: 5)|
|NT||2 (industry maximum: 2)||1 (industry maximum: 1)|
When will CUA Health not pay a benefit?
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.
Does CUA get a lot of complaints?
CUA Health accounts for:
- 0.6% of the Australian health insurance market
- 0.3% of all complaints about benefit payments
- 0.9% of all complaints about service
- 2.5% of all complaints that require investigation
Source: Private Health Insurance Ombudsman, State of the Health Fund Report 2016
How much will a CUA Health policy cost me?
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.
Paying your CUA Health insurance premiums
CUA Health insurance premiums can be paid up to 12 months in advance. The following payment schedules are available:
Payment can be made by direct credit or direct debit, allowing you to pay from your nominated bank account or credit card.
How do I make a claim for a treatment or service?
There are several ways you can lodge an extras claim with CUA Health:
- In person. If the health care provider supports the HICAPS system, you can swipe your CUA Health membership card on the spot to claim instantly.
- Via the CUA Health app. You can submit your claim via the CUA Health Mobile Claiming app by uploading a photo of your receipt. Claims of under $300 will be assessed immediately.
- Online. You can log into the CUA Health Online Services portal to upload a photo of your receipt and submit your claim. Claims of under $300 will be assessed immediately.
- At a CUA branch. You can lodge your claim in person at your nearest CUA branch.
- By fax or mail. You can also complete a claim form and then return it, along with your receipt, to CUA Health by fas or post.
Use the CUA Health Mobile Claiming app
CUA Health Mobile Claiming
Some final things you may want to know about CUA Health
- Nearly every Australian takes a pill for what ails them
- Health insurance membership hits record high
- The number of Australians in hospital because of falls is on the rise
- Medibank pays $574,710 for a single claim
- Australians running away from health insurance
- ACCC authorises HCF to cap prices on dental services