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TUH Health Fund Review

Our verdict: TUH health insurance gives its profits back to its members and had the best complaints record of 2020.

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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.
  • It had the best complaints record of 2020, according to the Ombudsman health insurance complaints report.

Cons

  • It's a restricted fund which means some people aren't eligible for a policy.
  • There are larger health funds available.

Good value TUH policies

These are some good value hospital policies from TUH, one each from the Bronze, Silver and Gold tiers.


*Quotes are based on a single individual with less than $93,000 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.

TUH is good if:

  • You want a fund with a low complaint ratio.
  • You want to choose from a wide range of policies.

TUH is not great if:

  • You're not eligible for a policy.
  • You like the security of a larger health fund.

Review by our insurance and innovations editor Gary Ross Hunter

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What types of health insurance does TUH offer?

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Hospital Coverage

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.

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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.

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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.

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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.

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TUH frequently asked questions

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Publisher

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. See full bio

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Editor, Insurance & Innovations

Gary Ross Hunter was 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, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

Gary Ross's expertise
Gary Ross has written 730 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living

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