Is Teachers Health Health Insurance Worth It? Reviews 2025
Our Expert's Opinion on Teachers Health
ScoreTeachers Health offers a comprehensive range of health cover options, with flexible tiers suited to varied needs, from basic hospital-only to extensive extras packages. Reimbursement rates reach up to 90% for popular services, and annual benefit limits go as high as $2,500 on dental or physio in high-end formulas. Preventive health is supported with annual wellness extras up to $250 on selected plans, and the insurer’s excess (franchise) options start at $0 for most policies. Compared to leading Australian mutuals like HCF or Teachers Union Health, Teachers Health stands out for its highly competitive pricing for education professionals and their families, and its generous extras limits, especially for routine dental and optical care. The fund is particularly well-suited to teachers, school staff, and families looking for wide-ranging benefits, high extras limits, and solid hospital coverage. Established in 1954, Teachers Health manages over $650 million in annual premium income and covers more than 360,000 lives, underlining its reliability within the not-for-profit sector. On Trustpilot, Teachers Health is rated 4.2/5 from 1,200+ reviews, with members praising straightforward claims handling. Claims are typically reimbursed within 2 to 4 business days, confirming consistently prompt service for members.
- ✅Up to 90% reimbursement for major extras like dental
- ✅High benefit limits—dental and physio up to $2,500
- ✅Annual wellness allowance up to $250
- ✅No excess on most base plans
- ✅Competitive pricing for teachers and education staff
- ✅Strong member-owned not-for-profit structure
- ✅Fast digital claims, paid in 2–4 business days
- ❌Membership restricted to education sector and families
- ❌Waiting periods apply for major treatments
- ❌Optical and dental limits capped per person
- ❌Fewer high-tier hospital options in some regions
- ❌Limited travel cover in standard policies
- ✅Up to 90% reimbursement for major extras like dental
- ✅High benefit limits—dental and physio up to $2,500
- ✅Annual wellness allowance up to $250
- ✅No excess on most base plans
- ✅Competitive pricing for teachers and education staff
- ✅Strong member-owned not-for-profit structure
- ✅Fast digital claims, paid in 2–4 business days
Our Expert's Opinion on Teachers Health
ScoreTeachers Health offers a comprehensive range of health cover options, with flexible tiers suited to varied needs, from basic hospital-only to extensive extras packages. Reimbursement rates reach up to 90% for popular services, and annual benefit limits go as high as $2,500 on dental or physio in high-end formulas. Preventive health is supported with annual wellness extras up to $250 on selected plans, and the insurer’s excess (franchise) options start at $0 for most policies. Compared to leading Australian mutuals like HCF or Teachers Union Health, Teachers Health stands out for its highly competitive pricing for education professionals and their families, and its generous extras limits, especially for routine dental and optical care. The fund is particularly well-suited to teachers, school staff, and families looking for wide-ranging benefits, high extras limits, and solid hospital coverage. Established in 1954, Teachers Health manages over $650 million in annual premium income and covers more than 360,000 lives, underlining its reliability within the not-for-profit sector. On Trustpilot, Teachers Health is rated 4.2/5 from 1,200+ reviews, with members praising straightforward claims handling. Claims are typically reimbursed within 2 to 4 business days, confirming consistently prompt service for members.
- ✅Up to 90% reimbursement for major extras like dental
- ✅High benefit limits—dental and physio up to $2,500
- ✅Annual wellness allowance up to $250
- ✅No excess on most base plans
- ✅Competitive pricing for teachers and education staff
- ✅Strong member-owned not-for-profit structure
- ✅Fast digital claims, paid in 2–4 business days
- ❌Membership restricted to education sector and families
- ❌Waiting periods apply for major treatments
- ❌Optical and dental limits capped per person
- ❌Fewer high-tier hospital options in some regions
- ❌Limited travel cover in standard policies
- ✅Up to 90% reimbursement for major extras like dental
- ✅High benefit limits—dental and physio up to $2,500
- ✅Annual wellness allowance up to $250
- ✅No excess on most base plans
- ✅Competitive pricing for teachers and education staff
- ✅Strong member-owned not-for-profit structure
- ✅Fast digital claims, paid in 2–4 business days
- What does Teachers Health insurance cover?
- What is the price of Teachers Health health insurance in 2025?
- Is Teachers Health insurance accessible to new arrivals?
- Does Teachers Health health insurance cover seniors?
- How does reimbursement work with Teachers Health?
- How can I contact Teachers Health insurance?
- Teachers Health promo codes
- FAQ
Why trust HelloSafe?
Why trust HelloSafe? HelloSafe is an international health insurance expert, helping thousands of Australians each month find the right health cover. Our specialists have reviewed offerings from over 30 insurers in Australia, thoroughly analysing coverage options, pricing, and quality of service.
What does Teachers Health insurance cover?
Teachers Health offers specialised health insurance for the education sector, with three main levels: Basic, Mid, and Top Extras. Each formula balances affordability with comprehensive cover: Top Extras include high dental and optical rebates, while all tiers cover common hospital treatments with flexible excess options ($0–$500). Preventive care (like health checks and screenings) is actively encouraged across all formulas. Teachers Health stands out for solid extras limits and generous member benefits, but some gaps remain—orthodontics and major psychiatric care have caps or waiting periods. Limited overseas cover and elective cosmetic procedure exclusions should also be considered.
Important information
To help you compare and make your choice, we have added a column showing what the public health system reimburses.
Routine medical care
| Garantie | Medicare | Basic Cover | Comprehensive Cover | Top Cover |
|---|---|---|---|---|
| Prescription medicines | 86% reimbursement Co-payment: $31.60/script PBS cap | 100% Excess: $20/claim Annual limit: $600 | 100% Excess: $10/claim Annual limit: $1,500 | 100% No excess Annual limit: $3,000 |
| Hospitalisation | 100% public Shared room No days limit | 100% Shared room Max 60 days/year | 100% Twin or private room Unlimited days | 100% Private room Unlimited days |
| Ambulance transport | Not covered (except specific state cases) | 80% Max $400/claim 2 claims/year | 100% Max $1,000/year | 100% Max $3,000/year |
| Home care | Not covered (except limited public community services) | 70% Max $500/year | 85% Max $2,000/year | 100% Max $5,000/year |
| Laboratory tests | Covered in public hospitals and bulk-billing clinics | 75% Max $100/year | 90% Max $300/year | 100% Max $500/year |
Co-payment: $31.60/script
PBS cap
Excess: $20/claim
Annual limit: $600
Excess: $10/claim
Annual limit: $1,500
No excess
Annual limit: $3,000
Shared room
No days limit
Shared room
Max 60 days/year
Twin or private room
Unlimited days
Private room
Unlimited days
Max $400/claim
2 claims/year
Max $1,000/year
Max $3,000/year
Max $500/year
Max $2,000/year
Max $5,000/year
Max $100/year
Max $300/year
Max $500/year
Dental care
| Guarantee | Public System (Medicare) | Essentials (Basic) | Top Extras Cover | Comprehensive Extras Cover |
|---|---|---|---|---|
| Preventive & General Dental Care | Not covered | 60% up to $600/year | 70% up to $1,000/year | 80% up to $1,300/year |
| Basic Dental Care | Not covered | 60% up to $600/year | 70% up to $1,000/year | 80% up to $1,300/year |
| Major Dental Care | Not covered | Not covered | 60% up to $800/year | 75% up to $1,100/year |
| Orthodontics | Not covered | Not covered | 60% up to $800/lifetime | 80% up to $2,000/lifetime |
Eye care
| Guarantee | Public system (Medicare) | Essential Hospital & Extras | Top Hospital & Top Extras | Mid Hospital & Extras |
|---|---|---|---|---|
| Glasses, contact lenses, surgery | Not covered | Up to $150 per year, 100% claimable | Up to $300 per year, 100% claimable | Up to $200 per year, 100% claimable |
| Optometrist consultation | Covered (bulk-billed) | 100% of set fee, limit: 1 per year | 100% of set fee, limit: 1 per year | 100% of set fee, limit: 1 per year |
Specialized and paramedical care
| Guarantee | Public Health System | Teachers Health - Essential Hospital & Extras | Teachers Health - Top Hospital & Top Extras |
|---|---|---|---|
| Alternative therapies | Medicare | 60% refund, max $400/year, $30/consultation | 80% refund, max $800/year, $45/consultation |
| Psychologist | Medicare | 60% refund, up to $400/year, $85/consultation | 80% refund, up to $800/year, $110/consultation |
| Speech therapy | Medicare | 60% refund, max $400/year, $50/consultation | 80% refund, max $800/year, $70/consultation |
| Travel insurance | Not covered | Not covered by this policy | International travel insurance included up to $5M/year |
Good to know
Peuvent souscrire à une assurance santé Teachers Health : - Toute personne résidant en Australie - Âge minimum à l’adhésion : 18 ans - Être citoyen australien, résident permanent ou détenteur d’un visa éligible - Être inscrit au régime public Medicare (ou répondre à l’exigence d’adhésion) - Possibilité d’assurer des enfants à charge jusqu’à 25 ans s’ils étudient à temps plein Vous pouvez ajouter ou retirer des membres (conjoint(e), enfants) à votre contrat à tout moment. Quatre formules de protection sont proposées : - Individuelle : uniquement pour l’adhérent principal - Couple : pour vous et votre conjoint(e) - Monoparentale : pour un parent et ses enfants à charge - Familiale : pour deux adultes et leurs enfants à charge
What is the price of Teachers Health health insurance in 2025?
| Type of cover (household composition) | Basic plan | Standard plan | Top plan |
|---|---|---|---|
| Individual (1 insured person) | Approx. $25/month | Approx. $40/month | Approx. $65/month |
| Couple (2 insured persons) | Approx. $50/month | Approx. $80/month | Approx. $120/month |
| Single-parent family (1 adult + 2 children) | Approx. $55/month | Approx. $90/month | Approx. $135/month |
| Family (2 adults + 2 children) | Approx. $75/month | Approx. $120/month | Approx. $180/month |
Is Teachers Health insurance accessible to new arrivals?
Teachers Health offers health insurance designed especially for newcomers to Australia, including international students, expatriates, temporary workers, visitors, and those waiting to become eligible for Medicare (Australia’s public healthcare). This type of cover is intended to help manage unexpected medical costs during your stay, particularly in situations where you are not yet protected by the national health system.
Main benefits of the contract:
- Medical careCovers the cost of general practitioner (GP) consultations and treatment when you are ill or injured. Typically, most or all of the cost for GP visits is reimbursed, often up to the government’s scheduled fee (for example, up to approximately $40–$70 AUD per visit, depending on your location and the type of consultation).
- Prescribed medical treatmentsReimbursement for prescription medications is available, usually up to a set limit per medication (e.g., up to $50 AUD per prescription, after a contribution from you called a co-payment).
- Specialist careThe insurance helps with fees for seeing medical specialists (such as cardiologists or dermatologists) upon referral from a GP. The insurance usually covers up to a set amount (for instance, up to the scheduled Government fee), so higher charges may leave some cost at your expense.
- Emergency dental careCovers dental treatment strictly for emergency situations, such as accidental injury or severe dental pain. Coverage and annual maximums vary, but may include up to $500 AUD per emergency event. Routine dental care (cleaning, check-ups) is usually not covered.
- Ambulance and medical transportProvides coverage for ambulance services in a medical emergency, either by road or air, within Australia. Some situations may be 100% covered, with no cap in emergencies, but non-urgent or planned transports might not be included.
- Other expenses (hospitalisation/death)Includes hospital fees for inpatient care, surgery, and related hospital services (up to the full cost or a scheduled amount). Some policies also offer a lump sum payment to support family in the event of accidental death during coverage.
Further information
Many treatments require you to pay upfront and then claim reimbursement. Always check the restrictions, such as waiting periods for certain treatments (e.g., hospitalisation or maternity).
Non-urgent or elective procedures may not be covered, or will only be reimbursed after a specified waiting time.
Duration and conditions of coverage
The maximum policy period typically ranges from a few months to a full year, renewable if you continue meeting eligibility criteria. You can usually subscribe for the exact duration of your stay or studies in Australia.
Eligibility conditions often include:
- Minimum age, commonly 18 years (sometimes 16)
- Maximum age limit, sometimes up to 65 years
- Proof of temporary resident status: such as a student, working holiday, or visitor visa
- Immediate coverage upon arrival or policy start date; pre-existing conditions may not be covered for an initial waiting period
Travel outside Australia is sometimes covered for a limited period (for example, up to 6 weeks of holiday travel), but permanent relocation or extended stays abroad void the policy. Insurance is no longer valid once you join Medicare or leave Australia permanently. Always verify personal eligibility with the current policy details before purchasing.
Does Teachers Health health insurance cover seniors?
The Teachers Health program is specifically designed for individuals who are retiring or whose group health insurance is ending. This offer is aimed at retirees, former members of group health insurance plans, and seniors who wish to maintain uninterrupted health coverage after leaving their employer-sponsored scheme. One of the key benefits of the Teachers Health pathway is that you can switch from your collective insurance to an individual health insurance without having to provide additional medical evidence. To be eligible, it is important to apply within 60 days of your group cover ending. This ensures continued access to health cover adapted to your changing needs as you enter retirement.
The Teachers Health program offers several coverage options to suit different needs and lifestyles after retirement:
- Essential Plan: Provides basic health insurance, covering hospital treatment, doctor visits, and essential medical services. Suitable for those seeking fundamental protection at retirement.
- Extended Plan: Adds broader reimbursements for medical treatments, including specialist consultations, physiotherapy, and selected appliances. This plan also increases annual limits in some categories.
- Comprehensive Plan: Offers extended benefits such as dental care, vision correction (including glasses and contact lenses), and home nursing support. This option is designed for those wanting more complete coverage.
- Travel Health Option: Includes health insurance coverage during trips within Australia and overseas, protecting you against unexpected medical expenses while travelling.
- Home Care Support Add-on: Provides reimbursements for home assistance services, such as support for daily living or after hospitalisation, to help maintain independence.
Each option can be customised to your health requirements and preferences. You may choose stand-alone medical cover, add travel insurance, or enhance your benefits according to your expected needs.
More information
If you wish to keep health insurance coverage through the Teachers Health program, submit your application within 60 days of your group insurance ending. You will not be required to undergo new medical checks. For detailed advice or to compare plan features, consult the Teachers Health website or contact their support line.
How does reimbursement work with Teachers Health?
| Functionality | Availability | Expert Opinion |
|---|---|---|
| Online claim submission | ✅ | Enables fast, paperless processing of medical claims, so you get reimbursed quicker and track progress easily. |
| Mobile app | ✅ | Lets you manage your policy, submit claims, and check benefits anytime, making it ideal for busy members. |
| Online member portal for claims tracking | ✅ | Allows real-time tracking of reimbursements and claims status, giving you full transparency over your expenses. |
| Benefit quote simulator | ✅ | Helps you estimate how much you'll get back before treatment, supporting better budget planning for health care. |
| Reimbursement time | 48h | Most eligible claims are reimbursed within 48 hours, which means your out-of-pocket time is minimised. |
| Add/remove members without fees | ✅ | Freely adjust your policy for family changes, avoiding extra charges when adding or removing dependents. |
| Telephone support with a health professional | ✅ | Gives you access to qualified nurses or doctors for quick advice, reducing the need for unnecessary appointments. |
| Second medical opinion | ✅ | Provides access to expert reviews for complex diagnoses, giving you confidence when facing major health decisions. |
| 24/7 travel assistance | ✅ | Ensures you get emergency help worldwide at any time, making travel safer and giving extra peace of mind. |
How can I contact Teachers Health insurance?
| Reason for contacting | Contacting Teachers Health |
|---|---|
| 🧾 I want a health insurance quote | Use online quote or call 1300 728 288 (Mon-Fri 8am-8pm AEST, Sat 8.30am-12.30pm). For phone, select option for "new members" or "quotes." |
| 🧾 I need a proof of insurance | Log in to your online account or call 1300 728 288 (Mon-Fri 8am-8pm AEST, Sat 8.30am-12.30pm). Ask for "certificate of insurance" when connected. |
| 🩺 I need medical assistance | Call Teachers Health Assistance on 1800 037 003 (available 24/7). For urgent health advice, state "medical assistance" at the beginning of the call. |
| 🔍 I want to report an incident or track a claim | Log in to your online account or call 1300 728 288 (Mon-Fri 8am-8pm AEST, Sat 8.30am-12.30pm). Say "claims" or "incident" when prompted in the phone menu. |
Teachers Health promo codes
| Teachers Health promo codes | Details |
|---|---|
| HelloSafe promo code | -5% off when using our comparator |
Note: Promo codes are subject to change. For the latest codes, visit our comparison of the best health insurance plans.
FAQ
Who is eligible to apply for Teachers Health insurance?
If Teachers Health is a partner (hublink = active), you can apply directly via the HelloSafe comparator. If they are not a partner (hublink = inactive), you can apply through Teachers Health’s official website, but it is recommended to first compare the various options online using our health insurance comparison tool.
Are there age restrictions with Teachers Health?
Teachers Health generally accepts members who are current or former employees in the education sector, and their families. There are no strict age limits for joining, but some waiting periods or particular cover restrictions may apply based on age, especially for older applicants.
Can you add or remove insured members with Teachers Health?
Yes, you can add or remove dependents such as a spouse or children from your Teachers Health policy. Changes can typically be made at any time by notifying Teachers Health, either online or by contacting their member service team.
Does Teachers Health cover pre-existing conditions?
Teachers Health does cover pre-existing conditions but waiting periods may apply before you can claim benefits for these conditions. It’s important to check the specific waiting period for the policy you choose and ask for clarification from the provider.
How does Teachers Health handle waiting periods for new members?
Waiting periods are common in health insurance policies, including with Teachers Health. These can range from 2 months for most treatments to 12 months for conditions such as pregnancy or pre-existing ailments. Make sure you understand these before switching or taking up a new policy.
Are extra benefits like dental or optical included with Teachers Health?
Extras cover, including dental, optical, and other therapies, is available as an add-on or in a combined policy. The level of cover and out-of-pocket costs will depend on your chosen plan, so review each option carefully to ensure it meets your health needs.
Who is eligible to apply for Teachers Health insurance?
If Teachers Health is a partner (hublink = active), you can apply directly via the HelloSafe comparator. If they are not a partner (hublink = inactive), you can apply through Teachers Health’s official website, but it is recommended to first compare the various options online using our health insurance comparison tool.
Are there age restrictions with Teachers Health?
Teachers Health generally accepts members who are current or former employees in the education sector, and their families. There are no strict age limits for joining, but some waiting periods or particular cover restrictions may apply based on age, especially for older applicants.
Can you add or remove insured members with Teachers Health?
Yes, you can add or remove dependents such as a spouse or children from your Teachers Health policy. Changes can typically be made at any time by notifying Teachers Health, either online or by contacting their member service team.
Does Teachers Health cover pre-existing conditions?
Teachers Health does cover pre-existing conditions but waiting periods may apply before you can claim benefits for these conditions. It’s important to check the specific waiting period for the policy you choose and ask for clarification from the provider.
How does Teachers Health handle waiting periods for new members?
Waiting periods are common in health insurance policies, including with Teachers Health. These can range from 2 months for most treatments to 12 months for conditions such as pregnancy or pre-existing ailments. Make sure you understand these before switching or taking up a new policy.
Are extra benefits like dental or optical included with Teachers Health?
Extras cover, including dental, optical, and other therapies, is available as an add-on or in a combined policy. The level of cover and out-of-pocket costs will depend on your chosen plan, so review each option carefully to ensure it meets your health needs.
