Teachers Health

Working in education and seeking private health insurance? You might want to consider Teachers Health's range of policy options.

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 immediate family members.

Current Teachers Health deals for May and June

Extras waiting periods waived + 1 month free on combined policies

  • Restricted fund: Must satisfy membership criteria to apply
  • Applies to 2 & 6 month extras waiting periods only
  • New members only
  • Applies to the second month following payment

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Get 6 weeks free on Teachers Health combined policies

  • Restricted fund: Must satisfy membership criteria to apply
  • New members only
  • Applies to the second month following payment

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Compare Teachers Health policies

Details Features
Top Hospital
Top Hospital
This comprehensive policy is designed to offer complete peace of mind. Restricted fund: Only current and former members of an education union and their families can join.
  • Accomodation in a private hospital
  • Theatre and labour ward fees covered
  • Pregnancy and infertility treatment
  • Excess options of $0, $300 or $500
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Mid Hospital
Mid Hospital
This intermediate hospital cover provides access to a private hospital over for a wide range of services, with a small range of services only covered in a public hospital. Restricted fund: Only current and former members of an education union and their families can join.
  • Your choice of doctor
  • Cover for theatre and intensive care fees
  • Cover for tonsil and adenoid removal
  • Access Gap Cover
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Basic Hospital
Basic Hospital
An affordable entry level policy that is perfect for the young and healthy. It provides cover for essential services while keeping premiums low. Restricted fund: Only current and former members of an education union and their families can join.
  • Your choice of doctor
  • Cover for knee and shoulder reconstructions
  • Access Gap Cover
  • Medicare Levy Surcharge exemption
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Combined cover designed to suit young people who want value money health insurance, but don’t want to pay for services that they may not use. Restricted fund: Only current and former members of an education union and their families can join.
  • Cover for 5 key services in a private hospital
  • Access Gap Cover
  • $500 general dental annual limit
  • $150 Healthy Lifestyle annual limit
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Top Extras
Top Extras
Provides generous benefits with overall limits for a comprehensive range of services including major dental, optical and psychology services. Restricted fund: Only current and former members of an education union and their families can join.
  • Unlimited general and preventative dental
  • $260 optical annual limit
  • $800 physiotherapy annual limit
  • $600 complimentary therapy annual limit
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Essential Extras
Essential Extras
An affordable level of cover for everyday services including preventative and general dental, optical, physiotherapy and massage therapies that Medicare generally doesn’t pay towards. Restricted fund: Only current and former members of an education union and their families can join.
  • $500 general and preventative dental annual limit
  • $165 optical annual limit
  • $250 chiro and osteo annual limit
  • $400 complimentary therapy annual limit
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What are the main features of Teachers Health policies?

Teachers Health offers health insurance designed to suit everyone, from the budget conscious to those who want the highest level of cover available. Currently you can choose from:

  • Hospital cover. Teachers Health offers three levels of hospital insurance which are Top Hospital, Mid Hospital and Basic Hospital.
  • Extras cover. Teachers Health offers three types of extras insurance which are Top Extras, Essential Extras and Emergency Ambulance Cover.
  • Combined cover. The StarterPak hospital and extras policy is designed specifically for young people, offering cover for vital services at an affordable price. Additionally, you are free to mix and match any hospital and extras cover to tailor a policy that suits your insurance needs and price point.

Now that you have a general idea of what is offered by Teachers Health, you may want to know more about what each policy offers. Simply select the type of health insurance you are interested in to view the features and services included.

Teachers Health hospital cover options

  • Top Hospital. This comprehensive product is designed to offer complete peace of mind. It covers an extensive range of procedures including pregnancy, heart procedures, joint replacements (including hip and knee), hospital accommodation and theatre expenses. Members get their choice of Agreement Private Hospital and can choose an excess of $0, $300 or $500.
  • Mid Hospital. This mid-level cover option provides cover for all services covered by Medicare that are not restricted. Members get their choice of private hospital, a choice of either $300 or $500 excess and cover for shared and private room accommodation, theatre fees, intensive care fees and their choice of doctor.
  • Basic Hospital. Basic Hospital is an entry-level health insurance option that offers your choice of doctor in a public hospital but does not allow you to avoid hospital waiting lists. Designed for young and healthy applicants, it covers essentials like hernias, tonsil removal, appendicitis, and knee and shoulder reconstructions.

Teachers Health extras cover options

  • Top Extras. 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, podiatry and naturopathy.

Teachers Health hospital and extras option

  • 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, knee reconstructions, appendix removal and tonsil removal.

Teachers Health ambulance options

  • Emergency Ambulance. While all Teachers Health hospital cover options include Emergency Ambulance cover, this can also be taken out on its own to cover air ambulance and emergency ambulance transport when you are ill or involved in an accident.

Are there any additional benefits from becoming a member?

Members of Teachers Health are also able to take advantage of the following extra benefits:

  • Free access to health support programs. These include HealthMeasures, an online tool to help you develop a tailored diet, exercise and healthy lifestyle program.
  • Access to Teachers Health Centres. Teachers Health runs specialist centres where members can access discounted optical and dental services.
  • Other discounts. Members can also access discounts from health funds including Voice Care for Teachers, AOK Health and Jenny Craig.
  • Discounted travel insurance. A range of travel insurance products are available for fund members at discounted rates.

What will Teachers Health not pay a benefit for?

  • Procedures that Medicare does not pay a benefit for.
  • If the claims is more than two years old.
  • The fund is not recognised by Teachers Health.
  • Hospital or general treatment received overseas.
  • Hospital expenses such as telephone charges or TV hire.
  • Pharmaceuticals not covered by your hospital.
  • Ambulance transport between hospitals.
  • Ambulance transport for a patient requiring day treatment.
  • Non-government approved surgically implanted prostheses.
  • Ambulance transport to and from a nursing home.
  • If the claimant is also receiving damages from a third party.
  • For services received free of charge.
  • Any period during which your membership is suspended.
  • Have not served a relevant waiting period.
  • If no official receipt can be provided.
  • If the claimant was treated by a relative.
  • For services that were not provided face-to-face.

What factors can affect my health insurance premium?

  • The level of cover you choose. Top tier policies will cost more than ones that only offer a basic level of cover.
  • Standalone or combined cover. Hospital or extras only policies will generally be more affordable than a combined hospital and extras policy.
  • If you opt for an excess. The excess amount you choose will influence the cost of your premiums.
  • Your age when you take out cover. Taking out cover before your 31st birthday will avoid the Lifetime Health Cover loading.
  • Your income level. This can affect your eligibility for a private health insurance rebate.
  • If you are a single parent. Single parent pricing is available on some Teachers Health products.

How does excess work?

When you are admitted to hospital, the excess is the amount you will have to pay to contribute towards the cost of your private health insurance claim. The payment of this lump sum will result in your premium rate being reduced.

Depending on the hospital cover option you choose from Teachers Health, you can take advantage of a choice of excesses:

  • Top Hospital cover lets you choose an excess between $0, $300 or $500 per calendar year.
  • Mid Hospital cover offers a choice between $300 or $500 per calendar year.
  • Basic Hospital cover offers an excess limit of $300 per calendar year.

How do I submit a claim to Teachers Health?

Making a claim with Teachers Health is a simple process:

  • Extras cover claims. On-the-spot electronic claiming is offered by many funds for extras cover claims. All you have to do is swipe your card and then pay any remaining balance not covered by Teachers Health. Where electronic claiming isn’t available you can claim online, via the Teachers Health app, or by filling out and submitting a claim form in person, via email or by post.
  • Hospital cover claims. When it comes to your hospital bills, some hospitals will require you to pay your excess upon admission. The hospital will then, in most cases, send the remainder of your bill directly to Teachers Health. Payments can be made online or over the phone using credit card, debit card and BPAY.

Get the Teachers Health claims app

Teachers Health

Answers to questions that may not have been covered

No, only procedures performed in a day surgery or hospital will be covered by Teachers Health. Services received from your doctor will be covered by Medicare.

Pharmaceuticals that are approved by the Therapeutic Goods Administration but not covered under the Pharmaceutical Benefits Scheme will be covered by Teachers Health.

Your children will no longer be considered dependants on your single parent or family policy once they reach their 21st birthday, although student dependants can remain on your policy until their 25th birthday.

You can join Teachers Health online or by downloading and completing an application form.

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12 Responses to Teachers Health

  1. Default Gravatar
    Sam | March 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?

    • Staff
      Zubair | March 27, 2017

      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,

  2. Default Gravatar
    KATHLEEN | February 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.

    • Staff
      Zubair | February 14, 2017

      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.


  3. Default Gravatar
    Helen | February 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?

    • Staff
      Richard | February 3, 2017

      Hi Helen,

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


  4. Default Gravatar
    Vanessa | December 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?


    • Staff
      Richard | December 8, 2016

      Hi Vanessa,

      Thanks for getting in touch. finder.com.au 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,

  5. Default Gravatar
    Julie | April 1, 2016

    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?

    • Staff
      Richard | April 4, 2016

      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,

  6. Default Gravatar
    RHONDA | January 12, 2016

    Does top hospital pay an amount towards funerals?

    • Staff
      Richard | January 12, 2016

      Hi Rhonda,

      Thanks for your question. No Teachers Health Fund Health Insurance does not cover funerals.

      I hope this was helpful,

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