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Do you, or someone in your family work in the education sector? Not-for-profit Teachers Health fund provides health insurance cover for all price points.
Established in 1954 by the NSW Teachers Federation, this industry-based fund now offers a range of affordable health insurance products exclusively to those who are a current or former member of an education union and their relatives and immediate family members.
The members-owned, not-for-profit fund now looks after over 330,000 teachers, education staff and their families around Australia.
Teachers Health offers health insurance designed to suit everyone, from the budget conscious to those who want the highest level of cover available.
Benefit | Basic Hospital (Basic Plus) | Mid Hospital (Basic Plus) | Mid Classic (Silver Plus) | Top Hospital (Gold) |
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Assisted reproductive services |
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Back, neck and spine |
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Blood |
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Bone, joint and muscle |
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Brain and nervous system |
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Breast surgery (medically necessary) |
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Cataracts |
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Chemotherapy, radiotherapy and immunotherapy for cancer |
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Dental surgery |
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Diabetes management (excluding insulin pump) |
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Dialysis for chronic kidney failure |
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Digestive system |
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Ear, nose and throat |
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Eye (not cataracts) |
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Gastrointestinal endoscopy |
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Gynaecology |
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Heart and vascular system |
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Hernia and appendix |
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Hospital psychiatric services |
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Implantation of hearing devices |
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Joint reconstructions |
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Joint replacements |
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Kidney and bladder |
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Lung and chest |
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Male reproductive system |
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Miscarriage and termination of pregnancy |
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Pain management |
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Pain management with device |
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Palliative care |
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Plastic and reconstructive surgery (medically needed) |
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Podiatric surgery (provided by a registered podiatric surgeon - limited benefits) |
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Pregnancy and birth |
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Rehabilitation |
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Skin |
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Sleep studies |
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Tonsils, adenoids and grommets |
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Weight loss surgery |
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Insulin pumps |
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Private Hospital (Agreement private hospital and same day surgeries) | ||||
Choice of Agreement private hospital |
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Accommodation – shared and private room (where available) |
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Theatre fees, intensive care fees |
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Labour ward fees |
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Medical services | ||||
Choice of doctor |
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Access Gap Cover |
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Government approved surgically implanted prostheses (some prostheses may have out-of-pocket expenses) |
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Public Hospital | ||||
Shared room |
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Private room (where available) |
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Theatre fees, intensive care fees |
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Labour ward fees |
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Other | ||||
Excess (Basic Hospital) |
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Emergency Ambulance Transport |
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Non-emergency Ambulance |
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Teachers Health have added one new form of cover to their product range, but have discontinued their CoreElect and Public Hospital options.
Members of Teachers Health are also able to take advantage of the following extra benefits:
If you need to make an extras claim with Teachers Health, you can do so in the following ways:
As for bills from your doctor or specialist, if the doctor or specialist participates in Teachers Health's Access Gap Cover program then they will send the bill directly to your health fund. If they do not participate in the program, you will need to take the bill to Medicare to be processed before Teachers Health can pay any benefits.
App | Android | iOS |
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Teachers Health |
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What is the cost of ambulance cover only for a couple aged 60 and over?
Hi Renate,
Thank you for your question. Just to confirm, you have reached finder.com.au, a comparison and information service and not actually Teacher Health Fund.
Teachers Health Fund does provide stand alone Ambulance cover. If you would like to get a quote, please click on any “Get quote” button and you will be redirected to their website.
Cheers,
Liezl
Hi, I have been told of Teachers Health Fund by a family friend (ex teacher), but am not a teacher myself, is there a way to become a member of this health fund with a referral from this person?
Hi Sam,
Thank you for your question.
Unfortunately, you can’t join the Teachers Health Fund from a referral of a person as it is a restricted fund and only current and former members of an education union and their families can join.
To be eligible as a family member you must be one the following:
– Current or former spouse/partner
– Dependant/s children
– Adult children (or their partner or dependant child)
– Siblings (or their partner or dependant child)
– Parents
– Grandchildren
All the best,
Zubair
If I do not use the extras in one year do they accumulate or do I get an extra benefit as I used to in Medibank after 12 months.
Hi Kathleen,
Thank you for your inquiry.
Generally, your health insurance benefits will have annual limit, which if you don’t use will expire. In most cases, you will have the same benefit limit the next year, although some funds do offer increasing benefit limits for every year you hold a policy.
Cheers,
Zubair
How do I find out what pharmaceuticals are approved by the Therapeutic Goods Administration but not covered under the Pharmaceutical Benefits scheme which will be covered by teachers health?
Hi Helen,
Thanks for getting in touch. To find out if your medications will be covered, you should contact Teachers Health Fund directly.
Cheers,
Richard
Hi,
I’m wondering what benefits THF might pay for abdominoplasty (not cosmetic surgery). Is there a link for specific procedures such as this?
Another question. I’m currently in a different fund for Top hospital with $1000 excess. If I transfer over to THF Top hospital, are there any conditions , additional waiting or exceptions to cover?
Thanks
Hi Vanessa,
Thanks for getting in touch. Please note that Finder is a comparison service and Teachers Health is not currently part of the panel of funds we have access to and there is no reference to abdominoplasty on their site.
It looks like Bupa may still offer cover for this so you may wish to get in contact with them as they offer cover for lipectomy in some circumstances.
I hope this was helpful,
Richard
I’m trying to find a list of hospitals which hold an agreement with teachers health . Could you provide me with a link to these?
Hi Julie,
Thanks for your question. finder.com.au is a comparison service and not an insurer. It looks like that section of the Teachers site seems to be down. You should get in touch with them directly by either calling 1300 727 538 or emailing info@teachershealth.com.au for this information.
I hope this was helpful,
Richard
Does top hospital pay an amount towards funerals?
Hi Rhonda,
Thanks for your question. No Teachers Health Fund Health Insurance does not cover funerals.
I hope this was helpful,
Richard