Teachers Health insurance review

Teachers Health is tailored to the education sector and is one of the few funds to cover dependants until they're 32.

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  • It's tailored to teachers, education staff and their families.
  • It's a not-for-profit, meaning the money it makes is invested back in its members.
  • Good if you have any dependants under 32. They can stay on the family policy until they're 32 years old (as long as they meet the eligibility criteria).


  • Not everyone can join – only current or former members of the education community and their family members.

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Teachers Health insurance: Our verdict

Teachers Health is a not-for-profit, which means it is run solely to benefit its members rather than to turn a profit.

Teachers Health is good if:

  • You have a dependant under 32.
  • You want to go with a not-for-profit.

Teachers Health is not great if:

  • You aren't eligible for a policy.

Review by our insurance writer Gary Hunter.

What types of health insurance does Teachers Health offer?

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Hospital Coverage

  • Basic Hospital (Basic Plus). This is an entry-level health insurance option that covers a few treatments in private hospitals and offers your choice of doctor in a public hospital. Designed for young and healthy applicants, it covers essentials like dental surgery, hernias, appendicitis and joint reconstructions. This cover has a $300 excess.
  • Mid Hospital (Basic Plus). This is a mid-level option, covering a wide range of services and has no exclusions. Instead, it provides restricted cover for some services, such as heart and vascular and pregnancy and birth. You can choose a $300 or $500 excess for this cover.
  • Mid Classic (Silver Plus). Another mid-level option, this policy is designed to give you cover for everyday health needs, but not the expensive big-ticket services. It includes private hospital cover for a wide range of services, including diabetes management, cancer treatment and more. You can choose a $300 or $500 excess for this cover.
  • Top Hospital (Gold). This comprehensive product is designed to offer complete peace of mind. It covers an extensive range of procedures, including pregnancy, heart procedures, hospital accommodation and theatre expenses. Members get their choice of agreement private hospital and there's no excess.

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Extras coverage

  • Top Extras. Teachers Health fund's Top Extras lets you enjoy generous benefit limits for a wide range of treatments including major dental, optical, psychology, chiropractic, physio, speech therapy and occupational therapy.
  • Essential Extras. This offers affordable cover for a mid-level range of services, including general and preventative dental, physio, optical and podiatry.

You can mix and match hospital and extras cover for a combined policy.

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Combined coverage

  • StarterPak. Designed for young people and offering a range of essential benefits, this policy excludes a range of treatments and services that members are unlikely to need. It offers cover for your choice of agreement private hospital and choice of doctor as well as procedures like hernias, joint reconstructions, appendix removal and tonsil removal.

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Ambulance coverage

All Teachers Health Hospital insurance policies include cover for emergency and non-emergency ambulance transportation. The latter can cover you for up to $3,000 per calendar year.

Teachers Health complaints

We looked at the 2020 Ombudsman health insurance complaints. Here's how Teachers Health did:

  • Teachers Health provides pretty good customer service; it had slightly fewer complaints than its market share.
  • It ranked 8th out of 19 health funds, so it doesn't have the best complaints ratio.
This chart shows the weighted volume of complaints received by each health fund, according to the Commonwealth Ombudsman. The lower the number, the better. Teachers Health is 8th overall in this ranking. The weighting ensures that funds are compared fairly; larger funds serve more customers so can potentially get more complaints.

Frequently asked questions

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14 Responses

  1. Default Gravatar
    RenateJune 20, 2017

    What is the cost of ambulance cover only for a couple aged 60 and over?

    • Default Gravatar
      LiezlJune 20, 2017

      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.


  2. Default Gravatar
    SamMarch 25, 2017

    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?

    • Avatarfinder Customer Care
      ZubairMarch 27, 2017Staff

      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,

  3. Default Gravatar
    KATHLEENFebruary 10, 2017

    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.

    • Avatarfinder Customer Care
      ZubairFebruary 14, 2017Staff

      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.


  4. Default Gravatar
    HelenFebruary 2, 2017

    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?

    • Avatarfinder Customer Care
      RichardFebruary 3, 2017Staff

      Hi Helen,

      Thanks for getting in touch. To find out if your medications will be covered, you should contact Teachers Health Fund directly.


  5. Default Gravatar
    VanessaDecember 8, 2016

    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?


    • Avatarfinder Customer Care
      RichardDecember 8, 2016Staff

      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,

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