T-osteopathy *Acupuncture, massage and myotherapy have a combined annual sub limit of $200 per person or $400 per membership which contributes to the overall annual limit of $450. Physiotherapy, osteopathy, chiropractic and mental wellness have a flexi-limit.
Mental wellness refers to psychology, hypnotherapy and counselling benefits.
Enjoy shorter hospital wait times that can be over a year long in public hospitals and a high level of care with Australian private hospitals, plus access to benefits for dental, optical and more.
Comfort and care
Reduced medical costs
For included hospital services we provide medically necessary inpatient treatment, accommodation, theatre fees, intensive care and hospital medication. For restricted hospital services we pay the default benefit for accommodation and no benefit for theatre fees.
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.
SEE ALL EXCLUSIONS
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.
This cover has a $250 hospital excess to reduce premium costs. Extras limits reset annually on January 1. For more information on limits and waiting periods please see the product guide.
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.
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 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 moreAt TUH we offer an Active Health Bonus as a reward for completing an online health assessment. Members on combined hospital and extras products (excluding Basic Extras) can use this bonus to pay for out-of-pocket costs for extras treatments, up to the annual limit.
Find out moreSEE ALL FAQS
Access benefits for everyday services such as dental, optical and more. This cover stands alone or you can combine it with one of our hospital covers to unlock your Active Health Bonus to spend on out-of-pocket expenses — the choice is yours!
100% back on glasses
Keep smiling
Move better
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.
Extras limits reset annually on January 1. For more information on limits and waiting periods please see the product guide.
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.
Find out moreAt TUH we offer an Active Health Bonus as a reward for completing an online health assessment. Members on combined hospital and extras products (excluding Basic Extras) can use this bonus to pay for out-of-pocket costs for extras treatments, up to the annual limit.
Find out moreSEE ALL FAQS
Mental wellness refers to psychology, hypnotherapy and counselling benefits.
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