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With a growing family, it’s important to be prepared for whatever life throws at you. 

We get it – and we’re here to help.

Whether you have hospital cover, extras - or both, now's the perfect time to check your cover will provide the right care for you and your family now - and in the future. We have so much to offer young families – just check out what’s included in your cover.

From Basic to Gold, we have covers to suit every family’s needs.
The level of hospital cover you choose is largely a personal choice that you might make depending on your needs. And with families, you never know what’s going to come along. 

Good to know

All our hospital covers include: 

  • Treatment as an inpatient in a private hospital for medically necessary treatment. 

  • Accommodation, theatre fees, intensive care, cardiac care, government approved prostheses and hospital medication for all services included in your cover. 

Savings tips

If you have a hospital visit coming up, ask your doctor for an estimate of possible costs (called informed financial consent) and ask if they’ll charge you under our access gap scheme which will help save on out-of-pocket costs.

And the younger you’re when you join, you might be eligible an age-based discount on selected covers – wow!


Use the search below to find out if your specialist has participated in the Access Gap Scheme.

Busy families can get great value from the right selection of extras. There’s preventative care and health assessments help your family start out well and stay that way. Active kids can get themselves into all sorts of scraps. We have extras you’re going to use all year long whether you’re healthy, hurting or healing. 

These healthy extras are designed to help you stay well.

  • Expecting a new addition? Mum and bub are covered with H&W foetal screening and childbirth classes.

  • Start the kids out on the right path with preventative dental and annual check-ups.

  • Support kids reach their potential with speech therapy. 

  • Annual orthotics for those constantly growing feet

  • Straighten the wonkiest grin with orthodontics. 

You need the most support when you’re healing. Extras can help you on the road to recovery.

  • We can organise health aids, like a knee brace, to help you post injury.

  • Physio will help get you moving. 

  • Wellbeing is about a healthy body and mind. Psychology consultants and assessments including hypnotherapy are available

  • Feeling the pinch from high-cost prescriptions? Your pharmaceutical benefit can help.

What about these helpful extras?

  • Get your kids covered while attending or travelling to or from school or an organised school activity with School Accident Cover. 

  • Wisdom teeth removal at the dentist is covered on general dental extras.

  • Spend your weekend beside the sports field watching the kids?  You can claim 100% (no-gap) for mouthguards at our preferred providers.  That means Up to 2 children per policy get a free mouthguard each year to hit the field!  

Not all inclusions are in all covers. Check what you’re covered for on the TUH mobile app.

TUH mobile app

To find out exactly what you’re covered for, check out the TUH mobile app.  It’s a one-stop shop to keep on top of your extras limits, find a nearby provider, and see what else you might be entitled to - all from your phone. It even has a super easy way to refer family and friends to TUH – and get rewarded with a $100 eGift card  if they join! That could come in handy with an extra mouth to feed!

Download the TUH app for iPhone or Android below:


Or if you’re in the market for a different cover, you can grab a quick quote using our cover calculator, right in the palm of your hand. 


Baby sun hats

We love our tiniest TUH members. We give each child born under TUH membership a gift just to say welcome to our world!   

When you register your new baby’s birth with us and add them to your policy, we’ll send an adorable TUH baby hat to protect every hair on their tiny little heads! 

We’d love a picture of your little one in their TUH baby hat to add to our gallery. Send your picture to

blue baby bottle icon on white background