Is TUH Health Insurance Right for You? Australia Review 2025
Our expert's review of TUH
ScoreTUH Health Fund distinguishes itself with flexible hospital and extras cover that caters well to singles, couples, and especially families seeking comprehensive private health solutions across Australia. There are multiple levels for both hospital and extras: from Basic+ to Gold hospital policies, allowing choice between affordable essential protection and extensive Gold tier with all 38 clinical categories included. Extras include significant rebates for dental (up to $3,400 major per year loyalty), generous optical, extensive physio ($700+), allied health, and chronic condition support, plus loyalty increases long-term. TUH's no-nonsense approach to hospital excess (from $400 to $750), predictable annual claim limits, and clear waiting periods (as little as 1 day for accidents) are notable. Compared to main competitors like Teachers Health or HCF, TUH stands out in ongoing cover value, extras flexibility, and tiered dental options, but lacks pricing transparency and public independent customer review data, including Trustpilot. As a long-established not-for-profit focused on education and allied fields in Queensland, TUH is seen as robust and stable, though volumes and claims data are not publicly released. Claims are processed via online portal/mobile app, with telehealth and home care options enhancing member service.
- ✅Comprehensive Gold tier hospital cover available
- ✅Top-tier major dental benefits (up to $3,400/year, loyalty)
- ✅Flexible extras for families and singles
- ✅Fast-track accident cover (1 day wait)
- ✅Telehealth for extras and chronic programs
- ✅Hospital at home and travel benefits
- ✅Active Health annual bonus incentive
- ❌No published pricing or public premiums
- ❌Lack of external customer review data
- ❌Certain specialist services are restricted on lower tiers
- ❌Waiting periods up to 12 months for some treatments
- ❌Some out-of-pocket risk with restricted services
Score- ✅Comprehensive Gold tier hospital cover available
- ✅Top-tier major dental benefits (up to $3,400/year, loyalty)
- ✅Flexible extras for families and singles
- ✅Fast-track accident cover (1 day wait)
- ✅Telehealth for extras and chronic programs
- ✅Hospital at home and travel benefits
- ✅Active Health annual bonus incentive
Our expert's review of TUH
- ✅Comprehensive Gold tier hospital cover available
- ✅Top-tier major dental benefits (up to $3,400/year, loyalty)
- ✅Flexible extras for families and singles
- ✅Fast-track accident cover (1 day wait)
- ✅Telehealth for extras and chronic programs
- ✅Hospital at home and travel benefits
- ✅Active Health annual bonus incentive
- ❌No published pricing or public premiums
- ❌Lack of external customer review data
- ❌Certain specialist services are restricted on lower tiers
- ❌Waiting periods up to 12 months for some treatments
- ❌Some out-of-pocket risk with restricted services
Score- ✅Comprehensive Gold tier hospital cover available
- ✅Top-tier major dental benefits (up to $3,400/year, loyalty)
- ✅Flexible extras for families and singles
- ✅Fast-track accident cover (1 day wait)
- ✅Telehealth for extras and chronic programs
- ✅Hospital at home and travel benefits
- ✅Active Health annual bonus incentive
- What does TUH health insurance cover?
- What is the price of TUH health insurance in 2025?
- Is TUH health insurance accessible to newcomers?
- Does TUH health insurance cover seniors?
- How does the refund work with TUH?
- How to contact TUH health insurance?
- TUH promo codes
- FAQ
- On the same topic
Why trust HelloSafe?
Why trust HelloSafe? HelloSafe is an international health insurance expert, guiding over a million users every month to find the right cover. Our specialists have assessed policies from dozens of insurers across Australia, performing an in-depth analysis of their cover, costs and service quality.
What does TUH health insurance cover?
TUH offers a comprehensive range of hospital and extras covers tailored for singles, couples, and families. Gold and Silver+ tiers provide near-complete protection on major services, with basic options mainly suited to budget or restricted hospital needs. TUH’s loyalty increases and Active Health Bonus distinguish it in prevention and continuity of care. However, some sublimits on extras and strict exclusions for high-tech or out-of-hospital services reveal certain weaknesses in comparison to top rivals.
Important
for you to compare and make your choice, we have added a column with what the public health system reimburses.
Routine medical care
| Garantie | Medicare | Basic+ Hospital / Basic Extras | Gold Hospital / Comprehensive Extras |
|---|---|---|---|
| Prescription medicines | Subsidised, copay, annual PBS Safety Net applies | Not covered (hospital only); $400/yr extras | Not covered (hospital only); $620+/yr extras |
| Hospitalisation | 100% public hospital, shared room, unlimited days | 100% public (shared); private: limited; $500/$750 excess | 100% all hospital categories; private/shared; $500 excess; unlimited days |
| Ambulance transport | Not covered (except QLD, TAS residents fully covered) | Emergency only, per state government arrangement | Emergency only, per state government arrangement; $140/yr extras |
| Home care | By referral, public programs only, means-tested | Not covered | Subject to eligibility, certain home hospital and rehab programs (no set $) |
| Laboratory analysis | 100% if Medicare-eligible, in public setting | Not covered (unless inpatient hospital) | Not covered (unless inpatient hospital) |
Dental care
| Garantie | Medicare | Basic Extras | Healthy Options | Mid Range Extras | Everyday Extras | Family Extras | Comprehensive Extras |
|---|---|---|---|---|---|---|---|
| Preventive and routine dental care | No routine dental, emergencies in public hospital | $400/year per person | 60% reimbursement up to $1,000/year | $600/year general, $1,000 major with loyalty | Unlimited general, $2,000 major/year | Unlimited general, $2,000 major/year | Unlimited general, $3,400 major/year loyalty |
| Basic dental care | No routine dental, emergencies in public hospital | $400/year per person | 60% reimbursement up to $1,000/year | $600/year general, $1,000 major with loyalty | Unlimited general, $2,000 major/year | Unlimited general, $2,000 major/year | Unlimited general, $3,400 major/year loyalty |
| Major dental care | No routine dental, emergencies in public hospital | Not covered | 60% reimbursement, up to $1,000/year | $1,000/year with loyalty progression | $2,000/year overall, item based limit | $2,000/year overall, item based limit | $3,400+/year, increases with years of loyalty |
| Orthodontics | Not included except public hospital emergencies | Not covered | $700 lifetime limit per person | $550 lifetime limit per person | $700/year, $2,100 lifetime per person | $850/year, $2,550 lifetime per person | $1,000/year, $2,800 lifetime per person |
Vision care
| Guarantee | Medicare | Basic Extras | Healthy Options | Mid Range Extras | Everyday Extras | Family Extras | Comprehensive Extras |
|---|---|---|---|---|---|---|---|
| Glasses, contact lenses, surgery | Not covered except for specific eye disease | $180/year glasses only | $260/year, 60% reimbursement | $230/year glasses only | $260/year glasses only | $260/year glasses only | $260+/year, loyalty up to $290 |
| Optometrist consultation | Covered, Medicare schedule only | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered |
Specialized and Paramedical Care
| Guarantee | Medicare | Basic Extras | Healthy Options | Mid Range Extras | Everyday Extras | Family Extras | Comprehensive Extras |
|---|---|---|---|---|---|---|---|
| Alternative therapies | Not covered except by GP/special program | $33 per session, up to $400/yr pool | $500/yr (therapies pool), 60% rebate | $350/person or $700/family per year | $400/yr, $600/yr for alternative therapies | $400/yr ($600/yr for alternative therapies) | $400–$480 per person (loyalty), $800/family pool |
| Psychologist | Covered with MBS items, limits apply | $400 per year, sessions in $400 pool | $250 per year, 60% rebate | $250 per year maximum | $400 per year maximum | $400 per year maximum | $400+ per year (loyalty up to $480 per person) |
| Speech therapy | Limited GP program coverage only | Speech $44–$70 per session, up to $400 pool | Therapies pool $500/yr, 60% rebate | $150 per year for speech therapy | $300 per year for speech therapy | $300 per year for speech therapy | $400+ per year for speech therapy, loyalty increase |
| Travel insurance | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered |
Good to know
Who can join TUH Health Fund: - Anyone who resides in Australia - You must be eligible for Medicare - Minimum age to hold a policy is 18 - Dependent children can be covered, often up to the age of 25 if they are full-time students. You can add or remove family members (like a partner or children) from your policy at any time. Choose from 4 types of cover to suit your situation: - Singles – For one adult. - Couples – For you and your partner. - Single Parent – For one adult and their dependent children. - Family – For two adults and their dependent children.
What is the price of TUH health insurance in 2025?
| Type of protection (household composition) | Basic+ Hospital | Bronze+ Hospital | Silver+ Hospital Essentials | Silver+ Family Hospital | Silver+ No Pregnancy Hospital | Gold Hospital |
|---|---|---|---|---|---|---|
| Individual (1 insured) | Approx. $95/mo | Approx. $120/mo | Approx. $145/mo | Approx. $165/mo | Approx. $160/mo | Approx. $210/mo |
| Couple (2 insureds) | Approx. $190/mo | Approx. $240/mo | Approx. $290/mo | Approx. $330/mo | Approx. $320/mo | Approx. $420/mo |
| Single parent (1 adult + 2 children) | Approx. $175/mo | Approx. $225/mo | Approx. $275/mo | Approx. $335/mo | Approx. $310/mo | Approx. $410/mo |
| Family (2 adults + 2 children) | Approx. $240/mo | Approx. $290/mo | Approx. $340/mo | Approx. $405/mo | Approx. $370/mo | Approx. $505/mo |
*Ces tarifs sont donnés à titre indicatifs. Les primes réelles peuvent différer en fonction de votre situation personnelle et des options choisies.*
👉 Compare the best health insurance offers in Australia for free.Discover the offersIs TUH health insurance accessible to newcomers?
TUH health insurance is designed for new arrivals, expatriates, international students, temporary workers and visitors to Australia. This type of cover supports those who do not yet have access to Medicare or who face waiting periods before their entitlements begin. It ensures continuity of care in case of illness, accident or ongoing treatments while living or studying in Australia.
- Medical care
- Includes hospital accommodation and treatment for acute illness or surgery. For example, surgery fees and accommodation are covered up to the limits of the selected plan.
- Prescribed care
- Covers prescription medicines required during treatment. Standard or PBS-priced medicines may be reimbursed up to a set maximum, often around $300–$500 per year.
- Specialist care
- Provides access to out-of-hospital and in-hospital consultations such as specialists, diagnostics or therapies. Typical limits apply, such as $50–$100 per consultation and capped annual totals.
- Emergency dental care
- Covers urgent dental treatment due to accident or severe pain. Emergency dental is usually reimbursed up to $300–$500 per year for necessary immediate care only.
- Medical transport
- Provides ambulance cover in case of medical emergency with direct transport to the nearest hospital. Coverage may be full or partial depending on the state and your level of insurance.
- Incidental costs (hospitalisation or death)
- May include daily hospital allowance or a lump sum to help with additional costs during long hospital stays or in the event of death. Such amounts often range from $1,000 to $10,000, according to contract specifics.
The maximum duration of cover is generally 12 months, renewable according to your visa or residence status and subject to ongoing eligibility. Coverage is subject to waiting periods for certain treatments and conditions, such as maternity or pre-existing illnesses. Admissibility depends on being a temporary resident, student or visitor with proof of visa, and typically covers ages from 18 up to 65 years, though student-specific insurance options may have different age limits.
Travel outside Australia
For any planned travel outside Australia during your stay, verify whether your TUH cover includes emergency care requirements abroad or whether you’ll need dedicated travel insurance. Some TUH benefits only apply within Australia.
Does TUH health insurance cover seniors?
This offer is intended for retirees and individuals who are losing access to their group health insurance. The program is designed to allow a smooth transition from collective to individual coverage, without the need to provide medical evidence. Applications must be submitted within 60 days following the end of your group policy.
- Basic Health Option: Covers standard hospital services and basic medical care, including accommodation and general practitioner fees for stays and common illnesses.
- Extended Reimbursement Option: Offers higher limits for hospital and specialist care, dental, diagnostics and regular treatments, suitable for those who want broader financial security.
- Vision Care Option: Includes reimbursements for optical consultations, glasses or contact lenses, with yearly benefits for eye examinations and corrective devices.
- Home Care Option: Provides support for in-home nursing, therapies, or rehabilitation for those requiring ongoing care after hospital discharge.
- Travel Insurance Add-On: Protection for emergency health care and repatriation during temporary trips outside Australia, covering medical expenses and urgent transport.
Continuous Health Coverage for Retirees
The Parcours assurance santéMD program stands out by allowing retirees to keep continuous health coverage, even after leaving their company plan, with no medical questionnaire required if the change is made in the allotted period.
How does the refund work with TUH?
| Functionality | Availability | Expert opinion |
|---|---|---|
| Online claim submission | ✅ | You can scan and upload your invoices for fast processing without having to send physical documents. |
| Mobile app | ✅ | A dedicated app allows easy access to your account, claim history and digital membership card. |
| Member portal for claim tracking | ✅ | The member portal helps you view payment history, check remaining limits and track claim progress. |
| Reimbursement estimator | ❌ | No online tool to preview refund amounts means you must check limits manually or contact support. |
| Claim processing time | 48h | Most claims are reimbursed within 48 hours, allowing for fast payment into your chosen bank account. |
| Add/remove members with no fee | ✅ | You may update your coverage, add or remove dependant(s) at no extra cost throughout your contract. |
| Nurse telephone helpline | ✅ | Access to a nurse by phone for health advice, triage and guidance, available to all members. |
| Second medical opinion | ❌ | TUH does not provide an official second medical opinion service, so you must consult external providers. |
| 24/7 travel assistance | ✅ | Worldwide telephone support is available at any time for emergencies when you are travelling overseas. |
How to contact TUH health insurance?
| Reason for contact | Contact TUH |
|---|---|
| I want a health insurance quote 🧾 | Use the “Devis en ligne” tool at https://www.tuh.com.au/get-a-quote or call 1300 360 701, weekdays 8:00am–6:00pm (choose option for new members). |
| I need a certificate of insurance 🧾 | Log in to your online account at https://my.tuh.com.au to download your certificate or call 1300 360 701, menu: existing policy, weekdays 8:00am–6:00pm. |
| I need medical assistance 🩺 | Call 1300 360 701, select the “medical assistance” option, available 24/7 for urgent medical concerns or advice by a health professional. |
| I want to report an incident or track a claim 🔍 | Check your reimbursement or declare an incident via your online account at https://my.tuh.com.au or call 1300 360 701, menu: claims and benefits, Mon–Fri 8:00am–6:00pm. |
TUH promo codes
| TUH promo codes | Details |
|---|---|
| Code promo HelloSafe | -5% via the HelloSafe comparator |
Note : Les codes promos sont susceptibles de changer. Pour obtenir les derniers codes promos, rendez-vous sur notre comparatif des meilleures assurances santé.
FAQ
Who can subscribe to TUH health insurance?
You can subscribe to TUH health insurance directly through the official TUH website. Before choosing a policy, it is advisable to compare different offers online using our health insurance comparator to find the best match for your needs.
Are there any age requirements with TUH?
TUH generally accepts applicants 18 years and older. Some policies may have age-related limits or require certain conditions for people over a specific age, so you should consult TUH policy details for full eligibility information.
Can you add or remove insured members from TUH?
You can add or remove members such as spouses or children from your TUH policy at any time by contacting TUH member services or using the online member portal.
Is there a waiting period before you can claim with TUH?
Yes, TUH applies waiting periods for new policies or increased benefits, such as 2 months for standard services and 12 months for major dental or pre-existing conditions.
Does TUH cover medical expenses abroad?
TUH health insurance is designed primarily for care within Australia. For overseas travel, you will need to check if your policy includes any travel insurance features or arrange separate cover.
What extras can be included in TUH cover?
TUH offers a range of extras, such as dental, optical, physiotherapy and hearing aids, depending on the level of cover selected and any loyalty bonuses accrued.
Who can subscribe to TUH health insurance?
You can subscribe to TUH health insurance directly through the official TUH website. Before choosing a policy, it is advisable to compare different offers online using our health insurance comparator to find the best match for your needs.
Are there any age requirements with TUH?
TUH generally accepts applicants 18 years and older. Some policies may have age-related limits or require certain conditions for people over a specific age, so you should consult TUH policy details for full eligibility information.
Can you add or remove insured members from TUH?
You can add or remove members such as spouses or children from your TUH policy at any time by contacting TUH member services or using the online member portal.
Is there a waiting period before you can claim with TUH?
Yes, TUH applies waiting periods for new policies or increased benefits, such as 2 months for standard services and 12 months for major dental or pre-existing conditions.
Does TUH cover medical expenses abroad?
TUH health insurance is designed primarily for care within Australia. For overseas travel, you will need to check if your policy includes any travel insurance features or arrange separate cover.
What extras can be included in TUH cover?
TUH offers a range of extras, such as dental, optical, physiotherapy and hearing aids, depending on the level of cover selected and any loyalty bonuses accrued.
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