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 that promotes the benefits of funds that reward members rather than investors or overseas owners.
Phone: 1300 728 188
Phone: 1300 367 906
Current or former teachers and academics, teacher aides or non-teaching support staff, with membership in their relevant union.
For more, see their website.
Teachers 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.
- 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.
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.
- Above average
- Below average
- Well below average
We also display the percentage of medical services that Teachers 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.
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.
Discount for direct debit: None
Discount for annual prepay: None
Total discount for annual prepay via direct debit: None
Youth discounts: None.
All Teachers Health extras, hospital and combined policies have emergency ambulance cover.
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.
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.