Why It Matters

• You might start a new fitness routine and want more physio.

• Your child might be ready for regular dental check-ups.

• You may no longer need certain extras you’re paying for.

• You might be planning a new addition to the family or simply want to access new benefits or rewards.

Reviewing your policy helps ensure you’re not underinsured or overpaying for services you no longer use.

Step 1: Log in to the Member Portal

Your spring clean starts here. The member portal is your go-to place for managing your health cover. It’s quick, secure and available 24/7.

Once logged in, you can:

• View your current hospital and extras cover

• Check your claims history

• Update your contact details (especially your email!)

• Complete your Health-e-Profile to claim your Active Health Bonus

Step 2: Review Your Hospital Cover

Hospital cover protects you from the potentially high costs of private hospital treatment. It’s essential to make sure your policy includes the services you’re most likely to need.

Ask yourself:

• Am I covered for pregnancy or birth-related services?

• Do I need cover for joint replacements, heart procedures or inpatient support?

• Do I have pre-existing conditions that require specific cover?

• Am I planning elective surgery or in hospital specialist treatment?

If you’re unsure what’s included, the member portal provides a clear breakdown of your hospital cover. You can also explore other options if you’re thinking about upgrading or adjusting your policy.

Note: New services may have waiting periods, so plan ahead if you’re considering changes.

Step 3: Review Your Extras Cover

Extras cover helps with everyday health services like dental, optical, physio and more. This is where many members find opportunities to tailor their policy and get better value.

Check Your Usage

Start by looking at what you’ve claimed over the past year. Are you regularly using dental check-ups, glasses or physio? Or are there extras you haven’t touched?

Match Extras to Your Lifestyle and think about your current health goals:

• Active lifestyle? You might benefit from more physio, remedial massage or podiatry.

• Family with kids? Dental, speech therapy and optical might be more important.

• Working on wellness? Consider psychology, dietetics or acupuncture.

Switching Extras Is Simple!

If your current extras don’t match your needs, you can switch to a different package that does. Our friendly membership team will help you compare options and make changes.

Important: Changing your extras may affect your eligibility for certain benefits, including the Active Health Bonus, so review the details before making a switch.

Step 4: Update Your Contact Details

It sounds simple, but keeping your contact details current, especially your email address is essential. It ensures you receive important updates, benefit reminders and member offers/rewards.

Step 5: Unlock Your Active Health Bonus

The Active Health Bonus is one of the most valuable rewards available to TUH members. It’s designed to help cover out-of-pocket costs for extras treatments, making it easier to stay on top of your health without worrying about the bill.

What Is It?

• A reward available to members on combined hospital and extras products (excluding Basic Extras).

• Can be used to pay for out-of-pocket extras costs, up to the annual limit.

• Must be claimed per policy, per calendar year.

To unlock your bonus, simply complete the Health-e-Profile—an online health assessment available in the member portal. It only takes a few minutes and must be completed every 12 months.

Eligibility

• A six-month waiting period applies from your join date.

• If you reduce or change your level of cover, your bonus may be reduced or removed.

• The bonus is limited per policy, not per person.

Terms and conditions apply. For full details on eligibility and claiming the Active Health Bonus, click here.

Step 6: Ask for Help if You Need It

Spring cleaning doesn’t have to be a solo job. If you have questions or need help understanding your options, our friendly team is here to support you.

You can call us on 1300 360 701, book a call here or send an email to enquiries@tuh.com.au.

Quick Checklist

Log in to the member portal
Check your hospital and extras usage
Update your contact details
Complete your Health-e-Profile
Review your extras and switch if needed
Make sure your cover fits your lifestyle
Contact TUH for support if needed

A Fresh Start for Your Health

Spring is a season of growth, energy and new beginnings. By taking a few minutes to review your health insurance policy, you’re setting yourself up for a healthier, more confident year ahead.

Whether you’re adjusting your extras, unlocking your Active Health Bonus or simply updating your email address, these small actions can lead to better health outcomes, fewer out-of-pocket costs and more peace of mind.

So why wait? Give your policy a refresh and make sure your health cover is working for you.