TUH Health Fund

TUH Health Fund provides affordable cover exclusively to current and former members of Australian unions.

Despite the many benefits offered by Medicare, it does not cover all the costs associated with looking after your health. A private health insurance policy allows you to access cover for a much wider range of medical expenses for both in hospital and out of hospital treatments.

TUH Health Fund aims to offer a range of hospital, extras or combined cover options to suit a wide range of budgets and insurance needs.

finder.com.au does not currently have access to this health insurance brand. You may wish to compare options available on the health insurance homepage.

Who is eligible to join?

If you would like to join TUH Health Fund, you must meet the following eligibility criteria.

  • Be aged 18 or over.
  • Be a current or former member of a union.
  • Be the family member of someone who is eligible to join. This includes a dependent child, adult child (and their partner), parent, grandchild, sibling, partner or former partner.

What policy options are available?

TUH Health Fund offers a selection of hospital, extras and combined policies. Select an option below to learn more about each type of cover available.

  • Total Care Hospital. This policy provides a high level of cover that will pay benefits towards the cost of private hospital accommodation, theatre fees and specialised treatments such as maternity services and eye surgery. You can also opt for a $300 or $500 excess to reduce your premiums.
  • Mid Range Hospital. Designed for those who want a superior level of health cover but do not require specialist services like maternity. As well as private hospital accommodation, this policy also pays a benefit towards theatre fees and hospital pharmacy costs. Can only be purchased in conjunction with an extras policy.
  • Budget Hospital. Entry-level hospital policy that covers essential services at an affordable price. Suited to budget conscious, it will pay a benefit towards the cost of private hospital accommodation for medically necessary treatment and allows you to choose your doctor or specialist.
  • Comprehensive Extras. This top tier policy offers the highest annual benefit limits and covers the full range of out of hospital treatments including major dental, orthodontics, physiotherapy, optical, health appliances and osteopathy.
  • Healthy Options (60%) Extras. Designed for the health conscious, this policy allows you to claim 60% of the cost of general treatments which include major dental, physiotherapy, natural therapies and optical.
  • Mid Range Extras. Providing a wide range of cover at a reasonable cost, this policy allows you to claim for major dental, orthodontics, optical, pharmaceutical, physiotherapy and more.
  • Basic Extras. Affordable extras policy that provides cover for a limited range of vital services. These include general dental, optical, chiropractic, massage therapy and physiotherapy.
  • Ultimate Choice. This combined policy is designed for those who want complete peace of mind. It includes the highest level of hospital and extras cover, with nil excess payable.
  • Easy Choice. This insurance option combines top hospital cover with a wide range of extras services including major dental, optical, physiotherapy and more. A $300 excess is applied to keep premium costs down.
  • Young Choice. A cost-effective combined policy suited to people who may not need a high level of protection. Includes basic hospital and extras cover with a $250 excess to reduce the premium cost.

Does TUH Health Fund offer any extra benefits?

  • Premium discount. Get a 1.5% premium discount when you opt to pay by direct debit.
  • Brisbane Health Hub. Members can receive discounts on products and access to services such as dental, optical and allied health services in one location.
  • Travel benefits. Depending on their level of cover, members from regional areas who need to travel for medical treatment can receive a benefit to pay towards the cost of travel and accommodation.

What am I not covered for?

The following exclusions apply to TUH Health Fund claims. Benefits will not be paid for the following treatments or services.

  • Treatments from unrecognised providers
  • Services rendered two years prior to the date of claiming
  • Products and services obtained overseas
  • Services which were not provided face to face
  • Treatment by a provider who is also your family member
  • Non-medically necessary hospital treatments
  • Treatments that are ineligible for Medicare benefits
  • Medical devices not included in hospital theatre fees
  • Cosmetic surgery
  • Outpatient treatments
  • Charges above the Medicare Benefits Schedule fee
  • Personal sundries
  • Experimental procedures or therapies
  • Certain high-cost medications
  • Consumables

How do I make a claim?

If you are treated at hospital your claim will typically be lodged automatically. For extras services claims, or in the event your hospital claim is not automatically lodged, the following options are available.

  • Electronic (extras only). Many extras service providers allow you to claim instantly through HICAPS or iSoft.
  • Online. Through TUH Health Fund's Member Services Online portal.
  • Smartphone. You can use the TUH Claiming app which is available on iOS and Android devices.
  • Email. Download and fill out an electronic claim form and then email it to onlineclaims@tuh.com.au.
  • Post. Completed claims forms along with the relevant receipts can be mailed to TUH, PO Box 265, Fortitude Valley Q 4006.
  • In person. You can lodge your claim directly by visiting the TUH Health Hub at 438, St Pauls Terrace, Fortitude Valley.

Get the TUH Claiming app

TUH Claiming

How does TUH Health Fund calculate benefit amounts?

The amount of benefit you receive when you lodge a claim will be determined by the type of medical treatment you underwent. As a general rule of thumb, the more serious your condition and the more complex the required treatment the higher your eligible benefit will be.

These figures were taken from the Australian Medical Association's 2016 report card on health insurers, and the results of both TUH Health Fund and Medicare (MBS) can be viewed in full below. Please note that the TUH Health Fund is part of the Australian Health Service Alliance (AHSA), and is listed under that organisations name in the table.
Basal cell carcinoma or squamous cell carcinoma removal $221.35$366.10
Breast, benign lesion surgical biopsy of excision$260.05$356.40
Carpal tunnel release$276.80$440.20
Cataract surgery$760.55$1,239.70
Complicated delivery of a baby$1,629.35$1,855.90
Coronary artery bypass$2,200.00$3,783.30
Cytotoxic chemotherapy$97.95$107.80
Femoral on inguinal hernia$464.50$909.70
Hip replacement$1,317.80$2,214.50
Knee replacement$2,047.60$2,563.40
Overnight investigation for sleep apnoea$588.00$682.20
Tonsil and adenoid removal$295.70$513.90
Uncomplicated delivery of a baby$693.95$1,484.50
Vaginal hysterectomy$674.70$1,066.20
Varicose veins$109.80$164.80

Final questions you may want answered

Does a cooling-off period apply?

Yes, a 30 day cooling-off period applies.

Is extended dependent cover available?

Yes, if you are a single parent or a family with non-student children, you can include them on selected policies until they reach 25 years of age. However, they will need to earn less than $50,000 a year.

Can I suspend my cover when I travel overseas?

Yes, you can suspend your health insurance cover if you are planning an overseas holiday of more than two months.

How can I pay my premiums?

You can pay your health cover premiums via direct debit, credit card and BPAY.

What waiting periods apply?

Most treatments and services will be available after a two month waiting period. However, some treatments, such as major dental and outpatient midwife services, attract a longer waiting period.
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2 Responses to TUH Health Fund

  1. Default Gravatar
    Robert | December 20, 2016

    What hospitals in Melbourne are contracted.

    • Staff
      Richard | December 21, 2016

      Hi Robert,

      Thanks for getting in touch. If you head over to the TUH website, you can use their search tool to find the closest contracted hospital.


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