Is TUH a not-for-profit fund?

Yes, TUH is a not-for-profit health fund .

What member offers can I get with TUH health insurance?

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

How do I make a claim with TUH health insurance?

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.

TUH Health Fund Review

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TUH operates as a not-for-profit fund, reinvesting profits and providing member-specific benefits.
It maintained the best complaints record among all health funds in the 2023 Ombudsman report.
Eligibility for TUH health cover is restricted to education and union sector members.

Our Verdict: TUH Health Fund

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. It has a consistently excellent complaints ratio, plus above average member retention.

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 2023, 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.

What types of health insurance does TUH offer?

Hospital
Extras
Combined
Ambulance

Hospital icon

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 icon

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.

Clipboard icon

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 icon

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 2023 Ombudsman health insurance complaints. Here's how TUH stacked up:

It had the best complaints ratio in 2023, according to the Ombudsman health insurance complaints report.
It did better than all other health funds including Bupa, Medibank and St Lukes.

TUH frequently asked questions

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.

Compare all TUH policies

Sources

Thank you for your feedback!

To make sure you get accurate and helpful information, this guide has been edited by Tim Bennett as part of our fact-checking process.

Written by

Alex Holderness

Head of publishing

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

Co-written by

Gary Ross Hunter

Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise

Gary Ross has written 572 Finder guides across topics including:

Health, home, life, car, pet and travel insurance
Managing the cost of living

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4 Responses

DanielAugust 13, 2019

I am a senior of 65.6 and find it hard to pay my full cover now that I have reduced my work, is there any changes that I can take

NikkiAugust 14, 2019

Hi Daniel,

Thanks for getting in touch! Sorry to hear you are having a difficult time paying for your health insurance. While we review TUH, note that we don’t work with them. It would be best to contact them directly to see your options for repayment.

Hope this helps. Feel free to reach back out for further assistance.

Best,
Nikki

RobertDecember 20, 2016

What hospitals in Melbourne are contracted.

Finder

RichardDecember 21, 2016Finder

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. Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy. If necessary, speak to the insurance brand to verify any details.

Cheers,
Richard

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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.