Transport Health Insurance Review

Overview

Transport Health was established over 130 years ago to provide quality and accessible health care to the Melbourne Tramway workers. Over the years the fund expanded its reach to all aspects of the Australian transport sector.

In 2014, it became an open health fund and has since doubled its membership base.

Transport Health Key Facts

Founded: 1888

For-Profit or Not-For-Profit? For-Profit

Private Hospital Agreements Nationwide: 285

Day Hospital Agreements Nationwide: 274

Health Deal Represented? No

Headquarters: Richmond, Victoria

Transport Health Hospital Cover

Transport Health has a wide range of hospital covers to suit all ages and medical needs. These range from Basic Plus Public Hospital all the way up to Gold Top Hospital. Here is a list of the current hospital covers:

Basic Plus Public Hospital
Bronze Plus Healthy Choice Hospital
Silver Plus Select Hospital with Daily Excess
Silver Plus Select Hospital with Excess
Gold Top Hospital

Transport Health Extras Cover

Extras Cover takes care of the everyday healthcare service expenses that are not generally covered under Medicare such as dental services, prescription glasses, and physiotherapy. Here is a list of the current extras covers available:

Healthy Choice Extras
Top Extras

Transport Health Waiting Periods

Transport Health recognises the waiting periods you have already served with a previous health fund if you switch; this is called “portability”. For first-timers taking out a hospital cover, members who may have lapsed in hospital coverage and those upgrading their level of cover, the waiting periods below will have to be served before members can claim on services:

Transport Health Hospital Waiting Periods

Ambulance services: 1 day

Accidental Injury: None

New Conditions: 2 Months

Pregnancy and birth-related services: 12 months

Pre-existing conditions: 12 months

Rehabilitation & Palliative care: 2 months

Weight Loss Surgery: 12 months

How Do You Claim Extras with Transport Health?

Transport Health offer 4 quick and easy ways to claim on your extras. This can be done in the following ways:

On the spot: Swipe your membership card at a health provider that uses the HICAPS system to have your claim processed immediately.

Via a mobile app: You can lodge a claim using the Transport Health Insurance app by submitting a photo of your receipt.

Email: Download, fill, and scan your completed claim form along with the relevant receipts to enquiries@transporthealth.com

By Mail: You can lodge your claim by posting relevant accounts and receipts to:

Transport Health

PO Box 545

Strawberry Hills,

NSW 2012

Transport Health Gap Cover

Transport Health’s gap cover is called the Access Gap Scheme. If your doctor charges you more than the standard MBS fee, this is known as the ‘gap’ and can leave you with an out-of-pocket expense. Access Gap can help to minimise or eliminate personal expense but it is the choice of the physician to participate in any given gap scheme.

Gap Cover Ratings by State

To determine how beneficial a gap scheme will be, we suggest comparing health funds in the same state or territory to show which of the funds offer a greater proportion of medical services covered with no gap. While it is more likely that a medical service covered under your health fund can be utilized at no personal cost to you, it is entirely the choice of the physician whether or not to participate in the gap cover scheme.

Medical Services with No Gaps — The percentage of claims that were fully refunded.

Medical Services with No or Known Gaps — The percentage of claims that were fully refunded, or where the policy holder knew the cost before the surgery was performed

ACT

Transport Health medical services with No Gap: 70.8%

Industry Average: 79.1%

Transport Health medical Services with No or Known Gap: 93.1%

Industry Average: 90.5%

NSW

Transport Health medical services with No Gap: 88.5%

Industry Average: 89.5%

Transport Health medical Services with No or Known Gap: 96.2%

Industry Average: 95.7%

VIC

Transport Health medical services with No Gap: 92.5%

Industry Average: 86.7%

Transport Health medical Services with No or Known Gap: 98.6%

Industry Average: 95.1%

QLD

Transport Health medical services with No Gap: 91.2%

Industry Average: 89.2%

Transport Health medical Services with No or Known Gap: 98%

Industry Average: 94.5%

Transport Health medical services with No Gap: 94.5%

Industry Average: 89.5%

Transport Health medical Services with No or Known Gap: 100%

Industry Average: 96.6%

Transport Health medical services with No Gap: 90.6%

Industry Average: 84.4%

Transport Health medical Services with No or Known Gap: 98.4%

Industry Average: 96.2%

TAS

Transport Health medical services with No Gap: 73%

Industry Average: 90.2%

Transport Health medical Services with No or Known Gap: 86.5%

Industry Average: 96.7%

Transport Health medical services with No Gap: –

Industry Average: 84.2%

Transport Health medical Services with No or Known Gap: –

Industry Average: 93.8%

☆☆☆☆☆ 4.8/5

Renee handled my call with empathy, product knowledge, and skill. She listened to my needs and prior experiences and came up with a result that was very satisfactory to me.

My consultant Mark was absolutely brilliant, he did all the research, asked and met my personal circumstances and was great to chat with. I will definitely be contacting again when or if I ever need any more help in this area. Thank you again!