Compare TUH Health Fund health insurance


TUH Health Fund is a restricted-membership health insurer open to past and present members of a union and their families.

Fund information


TUH Health Fund summary

TUH Health Fund eligibility

Is TUH Health Fund nonprofit? 

Does TUH Health Fund get many complaints from members? 

How good is TUH Health Fund's gap cover? 

How many hospital agreements does TUH Health Fund have in my state? 

Does TUH Health Fund offer any discounts?

Does TUH Health Fund offer ambulance cover?

Does TUH Health Fund let you claim online or in-app?

What CHOICE Community says about TUH Health Fund

TUH Health Fund summary

TUH

TUH Health Fund was founded in 1972 by the Queensland Teachers’ Union. It is open to all past and present members of a union and their family members, and counts teachers, nurses, firefighters and government employees amongst its members. TUH is 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 360 701

Email: enquiries@tuh.com.au  

Website: tuh.com.au

TUH Health Fund eligibility

Current or former members of any Australian union.

For further details see their website.

Is TUH Health Fund nonprofit?

Yes.

Find better health cover with CHOICE. Compare health insurance now.

Does TUH Health Fund get many complaints from members?

TUH Health Fund 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.

TUH accounts for...

0.6% of the health insurance market

0.6% of all complaints about benefit payments

0.0% of all complaints about service

0.7% of all complaints that are escalated to investigations.

How good is TUH Health Fund'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 TUH Health Fund 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.

TUH Health Fund gap cover performance by state

New South Wales (NSW)

Average

Australian Capital Territory (ACT)

Average

Victoria (Vic)

Above average

Queensland (Qld)

Above average

South Australia (SA)

Above average

Western Australia (WA)

Above average

Tasmania (Tas)

Average

Northern Territory (NT)

Above average

Percentage of medical services covered with no gap

New South Wales (NSW)

TUH Health Fund – 88.8%

Industry average – 86.3%

Australian Capital Territory (ACT) 

TUH Health Fund – 78.3%

Industry average – 76.7%

Victoria (Vic) 

TUH Health Fund – 92.0%

Industry average – 85.0%

Queensland (Qld) 

TUH Health Fund – 92.6%

Industry average – 85.1%

South Australia (SA) 

TUH Health Fund – 90.6%

Industry average – 86.8%

Western Australia (WA) 

TUH Health Fund – 89.5%

Industry average – 90.1%

Tasmania (Tas) 

TUH Health Fund – 91.9%

Industry average – 83.0%

Northern Territory (NT) 

TUH Health Fund – 80.9%

Industry average – 80.1%

How many hospital agreements does TUH Health Fund 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 TUH Health Fund 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.

TUH Health Fund 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

48 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

5 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

23 day hospital agreements out of an industry maximum of 29

Find better health cover with CHOICE. Compare health insurance now.

Does TUH Health Fund offer any discounts?

Discount for direct debit: 1.5%

Discount for annual prepay: 0%

Total discount for annual prepay via direct debit: 1.5%

*Member can prepay for a maximum of 6 months only

Does TUH Health Fund offer ambulance cover?

All TUH Health Fund extras, hospital and combined policies cover emergency ambulance in NSW and ACT.

In Victoria, South Australia, Western Australia and the Northern Territory, cover is included in extras policies, so you're covered if you select an extras or combined policy.

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 TUH Health Fund let you claim online or in-app?

Can claim online and via an app (iOS and Android) for extras services.

Find better health cover with CHOICE. Compare health insurance now.

What CHOICE Community says about TUH Health Fund

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