Skip to content   Skip to footer navigation 

Compare TUH Health Fund health insurance

How TUH rates for member complaints, gap cover and ambulance.

TUH logo
CHOICE staff
CHOICE staff


Checked for accuracy by our qualified fact-checkers and verifiers. Find out more about fact-checking at CHOICE.

Who is TUH Health Fund?

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 a nonprofit fund and part of Members Health, an alliance of nonprofit and mutual health funds.

Phone: 1300 360 701


Does TUH Health Fund get many complaints from members?

TUH Health Fund has a Low 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.

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

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

How many hospital agreements does TUH Health Fund have in each 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.

Does TUH Health Fund offer any discounts?

TUH Health Fund offers a 1.5% discount if you pay by direct debit, and members can prepay for a maximum of 6 months only.

Youth discounts are offered on all hospital policies, and these are transferable (meaning you can transfer a discount from another fund to one of these policies).

Does TUH Health Fund offer ambulance cover?

TUH Health Fund hospital policies offer emergency ambulance cover in the ACT and NSW. 

In Victoria, South Australia, Western Australia and the Northern Territory, cover is included in combined extras & hospital policies.

Does TUH Health Fund offer family policies that cover adult children? 

  • 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 31.
  • Adult children younger than 31 can be covered on extended family policies for an extra cost. 

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

You can claim online and via an app (iOS and Android) for extras 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.

Stock images: Getty, unless otherwise stated.