Your quote:
No Hospital + No Extras
Bundle product
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Why choose Bronze+ 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.

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Comfort and care

Enjoy the flexibility of choosing your own doctor and which hospital you would like to attend.
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Reduced medical costs

Enjoy lower or no out-of-pocket costs for in hospital specialist/doctor fees with Access Gap Cover.
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Avoid any additional tax costs

Having hospital cover means you avoid any applicable Medicare Levy Surcharge.

What's covered with Bronze+ 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.

Ear, nose, throat

Bone, joint, muscle

Joint reconstructions

Lung and chest

Kidney and bladder

Eye (no cataract)

Dental surgery

Tonsils, grommets and adenoids

Gastrointestinal endoscopy

Digestive system

Hernia and appendix

Skin

Plastic and reconstructive surgery (medically necessary)

Blood

This service is Restricted

Hospital psychiatric services

This service is Restricted

Rehabilitation

SEE ALL INCLUSIONS

What's not covered with Bronze+ 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.

  • Cataracts
  • Back, neck and spine
  • Heart and vascular system
  • Pregnancy and birth

SEE ALL EXCLUSIONS

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. 

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We make managing your health insurance easy with our app

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Get great value cover you won't regret with quality inclusions

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We have an extensive network of contracted private hospitals

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This cover has a $500 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.  
 

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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, and pregnancy and birth, which have a 12 month waiting period.

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We 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.

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A 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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