SP
Why choose Basic Extras?
Access benefits for everyday services such as dental, optical, massage therapy and more. This cover stands alone or you can combine it with one of our hospital covers — the choice is yours!
100% back on glasses
Scale and clean
More flexibility
Why trust us with your health
As a member-owned and not-for-profit health fund, we give more back to members and have been providing quality health cover for teachers and the education community for over 50 years.
We make managing your health insurance easy with our app
Get great value cover you won't regret with quality inclusions
We have an extensive network of preferred providers
Do you need help finding the right cover?
Tell us about yourself and in only 20 seconds we’ll find our best cover to suit your needs.
Download guides
Extras limits reset annually on January 1. For more information on limits and waiting periods please see the product guide.
FAQs
A list of preferred providers can be found here. We allow you to use any registered optometrist, dentist, physiotherapist or podiatrist in Australia. For other health care services such as chiropractic, massage, etc, benefits are paid for treatment by registered practitioners in private practice and recognised natural therapists approved by TUH.
Find out moreNew memberships and upgrades of cover have waiting periods, including two months for all extras services (unless specified), six months for some services like Active Health Bonus and optical, twelve months for major dental and prostheses and two years for laser eye surgery. Waiting periods can differ between levels of cover.
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Why choose Silver+ No Pregnancy Hospital
Enjoy shorter hospital wait times and a high level of care with Australian private hospitals. This cover stands alone or you can combine it with one of our extras covers to unlock your Active Health Bonus* to spend on extras out-of-pocket expenses – the choice is yours! *Bonus is not available with Basic Extras.
Comfort and care
Reduced medical costs
Peace of mind
What's covered with Silver+ No Pregnancy Hospital
For included services we provide medically necessary inpatient treatment, accommodation, theatre fees, intensive care and hospital medication. For restricted services we pay the default benefit for accommodation and no benefit for theatre fees.
SEE ALL INCLUSIONS
What's not covered with Silver+ No Pregnancy Hospital
No benefit is payable on excluded services – including for accommodation or medical fees. Out-of-pocket costs may arise for some procedures such as robotic surgery, high-cost pharmacy or consumable items, or fees charged by medical professionals.
Why trust us with your health
As a member-owned and not-for-profit health fund, we give more back to members and have been providing quality health cover for teachers and the education community for over 50 years.
We make managing your health insurance easy with our app
Get great value cover you won't regret with quality inclusions
We have an extensive network of contracted private hospitals
Do you need help finding the right cover?
Tell us about yourself and in only 20 seconds we’ll find our best cover to suit your needs.
Download guides
This cover has a $400 or $750 excess to reduce premium costs. For more information on limits, waiting periods and pre-existing conditions please see the product guide.
FAQs
Access Gap Cover is available with all TUH hospital policies and aims to eliminate or cap out-of-pocket medical costs incurred during hospital admission. Medical costs are the fees your specialist or doctor charges you for your hospital treatment.
For new members or members upgrading their cover, a two month waiting period applies for all hospital services and home care programs. With the exception of pre-existing conditions which have a 12 month waiting period, and pregnancy and birth, which have a 9 month waiting period.
Find out moreWe have a network of contracted private hospitals that allows members to access covered services without additional costs. However, hospital contracts may vary and staying in a non-contracted hospital may incur out-of-pocket expenses. You can view our contracted hospitals below.
Find out moreA pre-existing condition is an ailment or illness that existed before starting or upgrading your hospital cover. Even if the condition had not yet been diagnosed.
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