Top 3 features
- Good for teachers, education staff and their families.
- Good for attractive member health benefits.
- Beware if you're not part of an education union.
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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 350,000 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)|
|Assisted reproductive services|
|Back, neck and spine|
|Bone, joint and muscle|
|Brain and nervous system|
|Breast surgery (medically necessary)|
|Chemotherapy, radiotherapy and immunotherapy for cancer|
|Diabetes management (excluding insulin pump)|
|Dialysis for chronic kidney failure|
|Ear, nose and throat|
|Eye (not cataracts)|
|Heart and vascular system|
|Hernia and appendix|
|Hospital psychiatric services|
|Implantation of hearing devices|
|Kidney and bladder|
|Lung and chest|
|Male reproductive system|
|Miscarriage and termination of pregnancy|
|Pain management with device|
|Plastic and reconstructive surgery (medically needed)|
|Podiatric surgery (provided by a registered podiatric surgeon - limited benefits)|
|Pregnancy and birth|
|Tonsils, adenoids and grommets|
|Weight loss surgery|
|Private Hospital (Agreement private hospital and same day surgeries)|
|Choice of Agreement private hospital|
|Accommodation – shared and private room (where available)|
|Theatre fees, intensive care fees|
|Labour ward fees|
|Choice of doctor|
|Access Gap Cover|
|Government approved surgically implanted prostheses (some prostheses may have out-of-pocket expenses)|
|Private room (where available)|
|Theatre fees, intensive care fees|
|Labour ward fees|
|Excess (Basic Hospital)|
|Emergency Ambulance Transport|
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.
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