Who took over CUA health insurance?

HBF completed its acquisition of CUA Health on 30 September 2021. CUA Health then changed its name to see-u by HBF in 2024.

see-u health insurance review

see-u is backed by HBF an insurer with an excellent complaints record.
Note see-u generally suits younger Australians but lacks Gold Hospital cover for pregnancy.
Basic hospital cover options often start from about $18 per week.

Pros

Members get extra discounts at some optical providers including OPSM and Specsavers
see-u's parent company, HBF, has an excellent complaints record
see-u's call centre is Australian-based

Cons

There are only two extras policies you can take out on their own, which doesn't give you many options
see-u doesn't offer a gold hospital policy, so you can't get cover for pregnancy and birth, reproductive services or weight loss surgery

What types of health insurance does see-u offer?

Check out the health insurance policies available from see-u health insurance. Remember, when searching for the best health insurance, it can help to compare many different insurers.

5 of 5 results

Treatments	Price
see-u by HBF - Saver Hospital $750 Excess (Bronze Plus) Bronze$750 excess	Joint reconstructions Ear nose and throat Blood Back neck and spine Dental surgery Eye excluding cataracts Cancer Lung and chest +14 other treatments covered	$22.11 per week	Go to Site View details Compare product selectionCompare	loading
see-u by HBF - Starter Hospital $750 Excess with Daily Co-Pay (Basic) Basic$750 excess	Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Eye excluding cataracts Pain management Gynaecology Lung and chest	$18.12 per week	Go to Site View details Compare product selectionCompare	loading
see-u by HBF - Starter Hospital $750 Excess (Basic) Basic$750 excess	Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Eye excluding cataracts Pain management Gynaecology Lung and chest	$18.90 per week	Go to Site View details Compare product selectionCompare	loading
see-u by HBF - Saver Hospital $750 Excess with Daily Co-Pay (Bronze Plus) Bronze$750 excess	Joint reconstructions Ear nose and throat Blood Back neck and spine Dental surgery Eye excluding cataracts Cancer Lung and chest +14 other treatments covered	$21.34 per week	Go to Site View details Compare product selectionCompare	loading
see-u by HBF - Premium Hospital Non-Obstetrics $750 Excess (Silver Plus) Silver$750 excess	Lung and chest Back neck and spine Cataracts Joint replacements Blood Dental surgery Palliative care Pregnancy and birth +27 other treatments covered	$45.06 per week	Go to Site View details Compare product selectionCompare	loading

Showing 5 of 5 results

2 of 2 results

Treatments	Price
see-u by HBF - Easy Extras Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +1 other treatments covered	$2.99 per week	Go to Site View details Compare product selectionCompare	loading
see-u by HBF - Starter Extras Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +1 other treatments covered	$4.53 per week	Go to Site View details Compare product selectionCompare	loading

Showing 2 of 2 results

10 of 25 results

Treatments	Price
see-u by HBF - Secure Hospital $750 Excess (Silver) + Easy Extras Silver$750 excess	Hospital Lung and chest Back neck and spine Cataracts Joint replacements +25 other treatments covered Extras General dental Major dental Optical Hearing aids +4 other treatments covered	$29.73 per week	Go to Site View details Compare product selectionCompare	loading
see-u by HBF - Starter Hospital $750 Excess with Daily Co-Pay (Basic) + Easy Extras Basic$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General dental Major dental Optical Hearing aids +4 other treatments covered	$21.11 per week	Go to Site View details Compare product selectionCompare	loading
see-u by HBF - Starter Hospital $750 Excess (Basic) + Easy Extras Basic$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General dental Major dental Optical Hearing aids +4 other treatments covered	$21.88 per week	Go to Site View details Compare product selectionCompare	loading
see-u by HBF - Starter Hospital $750 Excess with Daily Co-Pay (Basic) + Starter Extras Basic$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General dental Major dental Optical Hearing aids +4 other treatments covered	$22.65 per week	Go to Site View details Compare product selectionCompare	loading
see-u by HBF - Starter Hospital $750 Excess (Basic) + Starter Extras Basic$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General dental Major dental Optical Hearing aids +4 other treatments covered	$23.43 per week	Go to Site View details Compare product selectionCompare	loading
see-u by HBF - Saver Hospital $750 Excess with Daily Co-Pay (Bronze Plus) + Easy Extras Bronze$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +17 other treatments covered Extras General dental Major dental Optical Hearing aids +4 other treatments covered	$24.33 per week	Go to Site View details Compare product selectionCompare	loading
see-u by HBF - Starter Hospital $750 Excess with Daily Co-Pay (Basic) + Simple 50 Basic$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General dental Major dental Optical Hearing aids +6 other treatments covered	$24.88 per week	Go to Site View details Compare product selectionCompare	loading
see-u by HBF - Saver Hospital $750 Excess (Bronze Plus) + Easy Extras Bronze$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +17 other treatments covered Extras General dental Major dental Optical Hearing aids +4 other treatments covered	$25.10 per week	Go to Site View details Compare product selectionCompare	loading
see-u by HBF - Starter Hospital $750 Excess (Basic) + Simple 50 Basic$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General dental Major dental Optical Hearing aids +6 other treatments covered	$25.66 per week	Go to Site View details Compare product selectionCompare	loading
see-u by HBF - Saver Hospital $750 Excess with Daily Co-Pay (Bronze Plus) + Starter Extras Bronze$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +17 other treatments covered Extras General dental Major dental Optical Hearing aids +4 other treatments covered	$25.88 per week	Go to Site View details Compare product selectionCompare	loading

Showing 10 of 25 results

0 of 0 results

Name
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How to make a claim

For extras claims, you can claim in person at most healthcare providers by swiping your member card.

You can also claim via your phone using the see-u app or can claim online by logging into Member Services.

For hospital claims, any medical bills you receive should be submitted to Medicare along with a two-way claim form. This will then be sent to see-u for processing. All you will need to pay is your co-payment or excess.

Complaints info

see-u is part of HBF, so the Ombudsman reports its complaints under HBF. Here's how HBF stacked up in the 2024–25 State of the Health Funds report:

HBF received 4.4% of all complaints, well below its 7.9% share of the market.
That gives it a market-share-to-complaint ratio of 56%, the best result among Australia's five biggest funds.

FAQs

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
1. see-u health insurance webpage
2. State of the Health Funds Report

Thank you for your feedback!

To make sure you get accurate and helpful information, this guide has been edited by Tim Bennett as part of our fact-checking process.

Written by

Nicola Middlemiss

Journalist

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Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

Nicola's expertise

Nicola has written 170 Finder guides across topics including:

Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
Commercial business insurance

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2 Responses

JenniferJune 16, 2025

Are MRI’s and xrays covered with my top cover ??

Finder

PetaJune 17, 2025Finder

Hi Jennifer,
Private health insurance will only cover your MRI or xray if the scan is done while you’re in hospital as a patient. If the scan is done as an outpatient, you’re unlikely to be covered. Here’s an article that breaks this down in a bit more detail: https://www.finder.com.au/health-insurance/hospital-cover/mri-scan-cost
Hope this helps!

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see-u health insurance review

see-u is part of popular non profit insurer HBF. see-u offers a simple, no nonsense set of products aimed at younger Aussies.

Key takeaways

Pros

Cons