Nurses & Midwives Health was established in 2016 by Teachers Health Fund, Australia's largest industry-based health fund, to provide nurses and midwives with health cover. It's a nonprofit health fund open to current and former people in nursing and midwifery professions, including students and assistants, with membership in a nurses union. It's also part of Members Health, an alliance of nonprofit and mutual health funds.
Phone: 1300 344 000
Nurses & Midwives is a newcomer to the market, and doesn't have enough members for us to accurately calculate a complaints rating. We use the complaints rating of its parent fund, Teachers Health, instead.
Nurses & Midwives Health has a Medium complaints rating.
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.
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.
- Well above average
- Above average
- Below average
- Well below average
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 Nurses & Midwives 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.
All Nurses & Midwives Health extras, hospital and combined policies have emergency ambulance cover.
In Victoria, Western Australia, South Australia and the Northern Territory, cover is limited to $6000 per person per year or $12,000 per family per year.
- Adult children are covered on family policies for free until they turn 21.
- Full-time students are covered on family policies for free until they turn 32.
- Adult children younger than 32 can be covered on extended family policies for an extra cost.
You can claim using an app (iOS and Android) for all services. There is no online claiming.
Stock images: Getty, unless otherwise stated.