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Finder doesn't currently have access to this health insurance brand. You might want to consider other options available on the health insurance homepage.
Pros
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).
Cons
Not everyone can join – only current or former members of the education community and their family members.
Why compare health insurance with Finder?
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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.
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.
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.
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 2022 Ombudsman health insurance complaints. Here's how Teachers Health did:
Teachers Health provides fairly good customer service; it had 2.7% of all complaints, which is only 0.1% more than its market share of 2.6%.
However, it doesn't have the best complaints ratio for restricted funds – Defence Health, Police Health and TUH are among those with lower ratios.
This chart shows the weighted volume of complaints received by each health fund, according to the Commonwealth Ombudsman. The lower the number, the better. Only non-restricted funds with a national market share of at least 0.1% are included here. GMHBA is tenth overall in this ranking. The weighting ensures that funds are compared fairly; larger funds serve more customers so can potentially get more complaints.
Why you can trust Finder's health insurance experts
We're free
Our health insurance engine is completely free to use. You pay the same as buying directly from the health insurer. Better still, we regularly run exclusive deals that you won't find on any other site.
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and you can compare nearly every health fund in Australia on the site (and find a better deal).
We're here to help
Since 2014, we've helped 350,000+ people find health insurance by explaining your options simply. We'll never ask for your number or email to see prices. We're here to help you make a decision.
Frequently asked questions
Yes, Teachers Health is a not-for-profit, meaning it reinvests its earnings for the benefit of its members.
If you need to make an extras claim with Teachers Health, you can do so in the following ways:
On the spot. You can swipe your Teachers Health membership card on the spot using the HICAPS system to claim instantly.
Via mobile app. The Teachers Health mobile app is available for Apple and Android devices and allows you to take a photo of your official receipt to submit your claim.
Online. You can claim for the following extras through the Teachers Health online members area: acupuncture, chiropractic, complementary therapies, remedial massage, general dental, optical, physiotherapy and podiatry.
By mail. You can download a claim form from the Teachers Health website, complete it and send it along with your invoice or receipt to Teachers Health, GPO Box 9812, Sydney NSW 2001.
In person. You can submit your completed claim form and invoice or receipt in person at a Member Care Centre located at a Teachers Health Centre.
Via email. You can also submit completed claim forms via email to submitclaim@teachershealth.com.au
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.
Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, news.com.au, The Telegraph, Explore Travel and Escape. Gary holds a Kaplan Tier 1 General Insurance (General Advice) certification and a Kaplan Tier 1 Generic Knowledge certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
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