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Compare CUA Health health insurance

How CUA Health rates for member complaints, gap cover and ambulance.

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CHOICE staff
CHOICE staff


Checked for accuracy by our qualified fact-checkers and verifiers. Find out more about fact-checking at CHOICE.

CUA Health summary

CUA Health was founded in 1976. It has about 78,000 members. CUA Health is part of the Member's Health Fund Alliance. HBF acquired CUA on 1 October 2021.

Phone: 1300 499 260


 Is CUA Health nonprofit?

No, but CUA's parent company HBF is not for profit.

Does CUA Health get many complaints from members?

CUA Health complaints rating: Medium

When we score policies we give each fund a complaints rating, based on the number of complaints and serious disputes the Ombudsman deals with. We take into account the size of the fund, so big funds don't get automatically penalised for having more complaints. The ratings are Low, Medium and High.  A low rating is better than a high rating  – it means the fund has fewer complaints and fewer serious disputes for its size.

How good is CUA Health's gap cover?

A medical gap is the difference between Medicare's recommended fee and what your doctor actually charges for a treatment or service.

Health funds have agreements with particular doctors and hospitals to cover all of the gap, which are called 'no gap agreements', or part of that gap, which are called 'known gap agreements' (these will have lower out-of-pocket costs, usually less than $500).

Our graphic below displays the CHOICE gap rating, which takes into account the percentage of services where members either paid no gap or a known gap, compared to the state average.

Rating scale

  • Well above average
  • Above average
  • Average
  • Below average
  • Well below average

How many hospital agreements does CUA Health have in my state?

The benefit amount your fund pays you for hospital services depends not only on the type of cover you buy, but also whether your fund has an agreement with the hospital where you're treated. 

The table below shows how many hospital agreements CUA Health has in your state compared to the fund with the highest number (the industry maximum). Note that public hospitals don't have agreements with specific funds and are generally treated as though they're agreement hospitals.

Does CUA Health offer any discounts?

Discount for direct debit: 4%

Discount for annual prepay: None

Total discount for annual prepay via direct debit: 4%

Youth discounts: Offered on some hospital policies; these are transferable(you can transfer a discount from another fund to one of these policies).

Does CUA Health offer ambulance cover?

All CUA Health policies have emergency ambulance cover.

Does CUA Health offer family policies that cover adult children?

Yes, adult children are covered up to age 23 and up to age 25 if in full-time study.

Does CUA Health let you claim online or in-app?

Online claiming and app.

We care about accuracy. See something that's not quite right in this article? Let us know or read more about fact-checking at CHOICE.