TUH Health Fund Review

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.

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.