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Compare Teachers Health health insurance

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

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CHOICE staff
CHOICE staff

Teachers Health summary

The NSW Teachers Federation established Teachers Health Fund in 1954 to provide cost-effective private health care for members and their families. It launched the UniHealth health fund exclusively in 2014 for people in the higher education community and their families. Teachers Health and UniHealth are part of Members Own Health Funds, an alliance of nonprofit and mutual health funds.  Teachers Health also operates Nurses and Midwives Health fund. 

Teachers Health 

Phone: 1300 728 188



Phone: 1300 367 906 


Who can join Teachers Health?

Current or former teachers and academics, teacher aides or non-teaching support staff, with membership in their relevant union. 

For more, see their website.

Is Teachers Health nonprofit?


Does Teachers Health get many complaints from members?

Teachers Health complaints rating: Medium

Includes UniHealth.

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 Teachers 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 Teachers 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 Teachers 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 Teachers Health offer any discounts?

Discount for direct debit: None

Discount for annual prepay: None

Total discount for annual prepay via direct debit: None

Youth discounts: None.

Does Teachers Health offer ambulance cover?

All Teachers Health extras, hospital and combined policies have emergency ambulance cover.

Does Teachers Health offer family policies that cover adult children?

Yes, adult children are covered up to age up to age 21 and up to age 25 if in full-time study and not living with a partner.

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

Can claim using app (iOS and Android) for all services. Can claim online for complementary therapy, chiropractic, general dental, optical, podiatry, physiotherapy, exercise physiology, speech therapy, occupational therapy, psychology, audiology and dietitian services.

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.