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Pros
TUH Health Fund members are free to use any registered dentist or optometrist in Australia.
It's not-for-profit, meaning the money it makes goes back to its members.
*Quotes are based on a single individual with less than $90,000 income, $500 excess and living in Sydney.
TUH health insurance: Our verdict
TUH health insurance is open to education-related professions, including academics, admin and support staff who are also union members, as well as all current and former Australian union members and their families.
With TUH Health Insurance, you can choose from 5 levels of hospital cover:
Gold Hospital. Top hospital cover for all 38 clinical categories, with a $500 excess to pay.
Silver Plus Family Hospital. Comprehensive hospital cover, with a choice of either $400 or $750 excess, to reduce premium costs if you like. This policy covers pregnancy and birth-related costs.
Silver Plus No Pregnancy Hospital. Comprehensive hospital cover, with a choice of either $400 or $750 excess, to reduce premium costs if you like. This policy covers everything from the Family Hospital option, except pregnancy and childbirth, assisted reproductive services and weight loss surgery.
Bronze Plus Hospital. A policy that provides a decent level of cover for the digestive system, male reproductive system, gynaecology, cancer treatment, diabetes management and more. There's a $500 or $750 excess choice per adult on the policy, to reduce premium costs. Exclusions include cataracts, podiatric surgery, implantation of hearing devices, dialysis, joint replacements, pregnancy and childbirth, assisted reproductive services, weight loss surgery and insulin pumps.
Basic Plus Hospital. As the name suggests, this covers you for the basics including tonsils, adenoids and grommets, joint reconstruction, hernia and appendix, and dental surgery.
Extras coverage
Comprehensive Extras. When you're not willing to compromise on looking after your health and wellbeing, this is the cover for you. Covering dental, optical, natural therapies, health and wellness programs, and much more, annual limits increase with years of membership.
Family Extras. Designed with families in mind, this cover looks after parents and children alike, with affordable cover for everybody in your family. Services include optical, speech therapy, orthotics, many natural and alternative therapies, and limitless preventative dental.
Everyday Extras. Everyday extras comes with the most popular services, including dental, optical, massage therapy, physiotherapy and psychology. There is no annual limit with preventative and general dental care.
Healthy Options (60%) Extras. Tailored to young singles and couples, take the guesswork out of your extras cover and get 60% back on general and major dental, orthodontics, optical and other therapies up to your annual limits. Plus you'll receive a Health & Wellness benefit (provides up to 60% on health screenings and access to health management programs up to overall annual limit).
Mid Range Extras. A mid-range policy for access to benefits for general and major dental, optical, natural therapies, health and wellness programs, and more. Plus there's a Health & Wellness benefit (provides up to 80% on health screenings and access to health management programs for a specific chronic health or medical condition up to overall annual limit).
Basic Extras. Affordable, no-frills cover including general dental and selected therapies (chiropractic, physiotherapy, hypnotherapy, massage therapy, osteopathy). This cover stands alone, or you can combine it with a hospital cover.
Combined coverage
Bronze Plus Young Choice. TUH only offers 1 package policy that covers both in and out of hospital care. It's tailored to the young and covers you for services including skin, lung and chest, blood, ear, nose and throat, as well extras services like dental, optical, physio and ambulance emergency transport.
Ambulance coverage
You can get cover for emergency ambulance transportation if you have both hospital and extras cover. This includes:
Benefits for air ambulance services (limited to a maximum of $6,000 per person a year).
A waiting period of 1 day.
TUH health insurance complaints
We looked at the 2020 Ombudsman health insurance complaints. Here's how TUH stacked up:
It had the best complaints ratio in 2020, according to the Ombudsman health insurance complaints report.
It did better than all other health funds including Bupa, Medibank and St Lukes.
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. TUH is seventh 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.
As a not-for-profit health fund, TUH Health Fund provides value for money wherever possible for its members. The range of additional benefits includes:
No excess for dependants
An Active Health Bonus for extras on some products
Access Gap Scheme
Health management programs with some products
A travel benefit for regional members to access healthcare on selected covers
Discounts at OPSM, OPSM Direct, Laubman & Pank and Specsavers
The Health Hub offering members dental, optical and allied health services
A $100 eGift Card if you refer a friend or family member who joins TUH
There are 2 separate processes for claiming on your TUH Hospital and Extras cover:
Hospital claims
If you receive a hospital account, send it to TUH with a completed claim form via 1 of the following methods:
Email onlineclaims@tuh.com.au with copies of accounts/receipts attached.
Upload to the TUH smartphone app with photos of accounts/receipts.
Snail mail to TUH, PO Box 265, Fortitude Valley QLD 4006, with the original accounts/receipts enclosed.
Extras claims
You can claim your Extras benefits in any of the following ways:
Electronically. If your healthcare provider has an electronic terminal such as HICAPS or Health Point, simply swipe your membership card and your claim will be processed on the spot.
Online. Log in to Member Services on the TUH website and follow the instructions to submit your claim (no need to include receipts).
Smartphone app. Upload photos of your receipts and other documents, and instantly submit them via the TUH smartphone app.
Manually. Download, print out and complete a claim form, and submit it manually with copies of your receipts via email or post.
In both instances, once received and processed, your claim will be paid directly into your bank account allowing up to 2 weeks for postage and processing.
As Finder's insurance group publisher, Alex Holderness aims to make confusing topics easy to understand. She's been published in Money Mag, Yahoo Finance, Hospital Health, and is a contributing author for Google's Startup Grind. She has a keen passion for running and is currently studying for her General Insurance certification.
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