Compare CUA Health health insurance


Founded in 1976 by CUA, Australia's largest customer-owned financial services provider.

Fund information


CUA Health summary

Is CUA Health nonprofit? 

Does CUA Health get many complaints from members? 

How good is CUA Health's gap cover? 

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

Does CUA Health offer any discounts?

Does CUA Health offer ambulance cover?

Does CUA Health offer family policies that cover adult children?

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

What CHOICE Community says about CUA Health

CUA Health summary

CUA

CUA Health was founded in 1976 by CUA, Australia's largest customer-owned financial services provider, with the philosophy to provide an affordable health care alternative. It has about 80,200 members.

CUA Health contact details

Phone: 1300 499 260

Email: cuahealth@cua.com.au

Website: cua.com.au/health


Is CUA Health nonprofit?

No, but CUA's parent company is a mutual organisation.

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Does CUA Health get many complaints from members?

CUA Health complaints rating: High

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.
  • The infographic below shows the complaints about the fund to the Ombudsman as a percentage of all complaints. Complaints can be about benefits or customer service. The most serious complaints are escalated for investigation.
  • The higher the share of complaints a fund receives above its market share, the worse its performance compared to other funds. If its share of complaints is below its market share, that's a better result.

CUA Health accounts for...

0.6% of the health insurance market

1.5% of all complaints about benefit payments

0.5% of all complaints about service

5.0% of all complaints that are escalated to investigations.

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

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

We also display the percentage of medical services that CUA Health covers with no gap, and compare it to the industry average. The higher the percentage, the more effective the fund's gap scheme is in a state or territory.

CUA Health's gap cover performance by state

New South Wales (NSW)

Above average

Australian Capital Territory (ACT)

Above average

Victoria (Vic)

Above average

Queensland (Qld)

Above average

South Australia (SA)

Average

Western Australia (WA)

Average

Tasmania (Tas)

Average

Northern Territory (NT)

Above average

Percentage of medical services covered with no gap

New South Wales (NSW)

CUA Health – 90.5%

Industry average – 86.3%

Australian Capital Territory (ACT) 

CUA Health – 86.2%

Industry average – 76.7%

Victoria (Vic) 

CUA Health – 91.3%

Industry average – 85.0%

Queensland (Qld) 

CUA Health – 93.4%

Industry average – 85.1%

South Australia (SA) 

CUA Health – 85.4%

Industry average – 86.8%

Western Australia (WA) 

CUA Health – 87.7%

Industry average – 90.1%

Tasmania (Tas) 

CUA Health – 92.8%

Industry average – 83.0%

Northern Territory (NT) 

CUA Health – 85.1%

Industry average – 80.1%

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.

CUA Health has

ACT

6 private hospital agreements out of an industry maximum of 7

7 day hospital agreements out of an industry maximum of 8

NSW

100 private hospital agreements out of an industry maximum of 100

89 day hospital agreements out of an industry maximum of 100

NT

2 private hospital agreements out of an industry maximum of 2

1 day hospital agreements out of an industry maximum of 2

Qld

53 private hospital agreements out of an industry maximum of 58

8 day hospital agreements out of an industry maximum of 53

SA

25 private hospital agreements out of an industry maximum of 27

25 day hospital agreements out of an industry maximum of 28

Tas

8 private hospital agreements out of an industry maximum of 8

3 day hospital agreements out of an industry maximum of 6

Vic

78 private hospital agreements out of an industry maximum of 79

75 day hospital agreements out of an industry maximum of 79

WA

22 private hospital agreements out of an industry maximum of 23

29 day hospital agreements out of an industry maximum of 29

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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%

Does CUA Health offer ambulance cover?

All CUA Health policies have emergency ambulance cover.

Do you need ambulance cover?

Depending on where you live, you may not need a policy with ambulance cover. 

  • In Queensland or Tasmania, emergency ambulance services are covered by your state government. 
  • In NSW and the ACT, all hospital policies come with emergency ambulance cover – so you'll be covered with any hospital or combined policy you select. 
  • In South Australia, Victoria and the Northern Territory you can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance in your state or territory or refund at least part of the cost of the ambulance service cover. 
  • Rural WA: You can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance or refund at least part of the cost of the ambulance service cover. 
  • Metropolitan WA: If you want to be covered for ambulance you need to buy a health insurance policy with 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.


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What CHOICE Community says about CUA Health

The CHOICE Community is the online forum for Australian consumers, open to CHOICE members and supporters. Join the conversation about CUA Health to share your experiences or gain more insights into this health fund.