TUH Health Fund
Overview
The Teachers Union Health Fund was established over 45 years ago by a group of Queensland teachers to provide quality and affordable health care to educators in that state.
Since its inception, TUH now opens its memberships to all union members across Australia and their families. These include employees of the education, nursing, and civil service.
TUH is part of Members Own, a group of 19 like-minded, mutual health funds that invest their dividends back into their members through higher benefits and paid claims.
TUH Health Key Facts
Founded: 1972
For-Profit or Not-For-Profit? Not-For-Profit
Private Hospital Agreements Nationwide: 287
Day Hospital Agreements Nationwide: 270
Health Deal Represented? No
Headquarters: QLD
TUH Health Hospital Cover
TUH Health has a wide range of hospital covers suitable for all members of the family. These range from Basic Plus Hospital all the way up to Gold Hospital. Here is a list of the current hospital covers available:
- Basic+ Hospital
- Bronze+ Hospital
- Silver+ Family Hospital
- Silver+ No Pregnancy Hospital
- Gold Hospital
TUH 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:
- Basic Extras
- Comprehensive Extras
- Family Extras
- Healthy Options 60% Extras
- Mid Range Extras
TUH Health Combined Cover
The following are the 3 combined covers currently available from TUH:
- Bronze + Young Choice
- Gold Easy Choice
- Gold Ultimate Choice
TUH Health Waiting Periods
TUH 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:
TUH 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 TUH Health?
TUH Health offers these quick and convenient ways to claim on your extras:
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 TUH Health mobile app by submitting a photo of your receipt.
Online: You can log into https://members.tuh.com.au/ and lodge your claim by providing the details on your receipt.
TUH Health Gap Cover
TUH Health 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.
The Teachers Union Health Fund medical services with No Gap: 86.9%
Industry Average: 79.1%
TUH medical Services with No or Known Gap: 92.8%
Industry Average: 90.5%
The Teachers Union Health Fund medical services with No Gap: 91.2%
Industry Average: 89.5%
TUH medical Services with No or Known Gap: 97.2%
Industry Average: 95.7%
The Teachers Union Health Fund medical services with No Gap: 85.1%
Industry Average: 86.7%
TUH medical Services with No or Known Gap: 97.5%
Industry Average: 95.1%
The Teachers Union Health Fund medical services with No Gap: 93.1%
Industry Average: 89.2%
TUH medical Services with No or Known Gap: 97.9%
Industry Average: 94.5%
The Teachers Union Health Fund medical services with No Gap: 86.7%
Industry Average: 89.5%
TUH medical Services with No or Known Gap: 100%
Industry Average: 96.6%
The Teachers Union Health Fund medical services with No Gap: 89.2%
Industry Average: 84.4%
TUH medical Services with No or Known Gap: 96.9%
Industry Average: 96.2%
The Teachers Union Health Fund medical services with No Gap: 96.2%
Industry Average: 90.2%
TUH medical Services with No or Known Gap: 99.2%
Industry Average: 96.7%
The Teachers Union Health Fund medical services with No Gap: 98.2%
Industry Average: 84.2%
TUH medical Services with No or Known Gap: 99.1%
Industry Average: 93.8%
