Bronze+ Young Choice

Hassle-free cover that’s easy to manage
  • Budget hospital cover with a $250 excess per adult on the policy.
  • Basic extras.
  • Age-based discount of up to 10% available for eligible members aged 18-29.

What’s included?

Hospital cover:

  • Treatment in a private hospital for medically necessary treatment (restrictions and exclusions apply).
  • Medicare covers 75% of the Medical Benefit Schedule (MBS) fee set by the Government for doctors’ charges and TUH covers the remaining 25%. Note that there may be extra for you to pay if your doctor charges over the MBS and does not participate in the Access Gap Cover Scheme.
  • Accommodation, theatre fees, intensive care, cardiac care, industry approved prostheses and hospital medication in almost all private hospitals in Australia. Find out more

Extras cover:

  • A basic range of extras, including dental, optical and some therapies.


  • This cover has an excess of $250 to keep premium costs lower.
  • The excess is payable by adults on the policy if they are admitted into hospital.
  • The excess is only payable once per adult per calendar year.


  • Covers single dependants until age 21, and full-time student dependants up to age 25.

What’s not included?

  • Hospital treatment that is not medically necessary or treatment which is not eligible for Medicare benefits
  • GP visits or other specialist appointments before you are admitted or after you are discharged from hospital
  • Gap fees charged by specialists over the Medicare Benefits Schedule
  • Experimental procedures/therapies
  • High-cost medications
  • Robotic surgery consumables.

For further information, please refer to the Important Information Guide.

Restricted services

We pay the default benefit for accommodation as determined by the Government and no benefit for theatre fees on:

  • Rehabilitation
  • Hospital psychiatric services

Excluded services

We pay no benefit on:

  • Cataracts
  • Joint replacements
  • Dialysis for chronic kidney failure
  • Pregnancy and birth
  • Assisted reproductive services
  • Weight loss surgery
  • Back, neck and spine
  • Pain management with device

Youth discount

To help make private health insurance more affordable, we offer a discount of up to 10% for people who join Bronze+ Young Choice before the age of 30.

Age upon joining Discount
Under 26 10%
26 8%
27 6%
28 4%
29 2%

As long as you retain an eligible policy the discount applies until you turn 41, then decreases by 2% per year.

More information

Annual limits reset on 1 January. For full information on services covered, benefits, limits, excesses, pre-existing condition rules and waiting periods, download the brochure below and read in conjunction with the Important Information Guide.

Help me find the cover I need

Get the brochure 

Important Information Guide


Membership eligibility

To qualify for membership with TUH, you must be aged over 18 and meet either of the eligibility criteria below:

  • A current or former member of any Australian union.
  • A family member of a person who is eligible to join TUH. This includes parent, partner or former partner, dependent child, adult child (and their partner), grandchild, brother or sister (and their partner and dependent children).