TUH Health Fund

Overview

TUH 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.

TUH Health medical services with No Gap: 86.9%

Industry Average: 79.1%

TUH Health medical Services with No or Known Gap: 92.8%

Industry Average: 90.5%

TUH Health medical services with No Gap: 91.2%

Industry Average: 89.5%

TUH Health medical Services with No or Known Gap: 97.2%

Industry Average: 95.7%

TUH Health medical services with No Gap: 85.1%

Industry Average: 86.7%

TUH Health medical Services with No or Known Gap: 97.5%

Industry Average: 95.1%

TUH Health medical services with No Gap: 93.1%

Industry Average: 89.2%

TUH Health medical Services with No or Known Gap: 97.9%

Industry Average: 94.5%

TUH Health medical services with No Gap: 86.7%

Industry Average: 89.5%

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

Industry Average: 96.6%

TUH Health medical services with No Gap: 89.2%

Industry Average: 84.4%

TUH Health medical Services with No or Known Gap: 96.9%

Industry Average: 96.2%

TUH Health medical services with No Gap: 96.2%

Industry Average: 90.2%

TUH Health medical Services with No or Known Gap: 99.2%

Industry Average: 96.7%

TUH Health medical services with No Gap: 98.2%

Industry Average: 84.2%

TUH Health medical Services with No or Known Gap: 99.1%

Industry Average: 93.8%

4.8/5
Renee came up with a result that was very satisfactory
Renee came up with a result that was very satisfactory
Rosalie Fields
Read More
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.
I will definitely be contacting again
I will definitely be contacting again
customer
Read More
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!
Great service!
Great service!
customer
Read More
Great service, explained very clearly and easy to understand
Previous
Next
man vaping
News

#VapeTricks leaves vaping under fire again

The great vaping debate has momentarily sparked up again, thanks to #VapeTricks on TikTok.

Read More →
health partners Review
Health Fund Bios

CUA Health Insurance Review

CUA Health Insurance Review Overview CUA Health Insurance (Credit Union Australia) Health is a subsidiary of one of the largest member-owned financial organizations in Australia, …

Read More →

Leave a Comment

Your email address will not be published. Required fields are marked *

Scroll to Top