Teachers Health
fund code NTF · Restricted membership: education union members and their families
Also sold as UniHealth, Nurses & Midwives Health, TUH, Union Health
Health insurance
Teachers Health sells 1,554 open policies with hospital cover (1,092 hospital-only, 462 combined with extras, counting one per state and household type) in NSW, NT, QLD, SA, TAS, VIC, WA, grouped below into 12 products. Premiums are monthly, before the government rebate; the table shows each product's range across the states and households it is sold to, and choosing a state and household narrows it to the exact premium.
Products
SCFP = sold to singles · couples · families · single parents
| Policy | Tier | Type | Excess / person | Co-pay | Covered | Restricted | Under-30 discount | States | S C F P | Monthly premium | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Top Hospital (Gold) | Gold | Hospital | — | None | 38 | 0 | All states | SCFPSingle, Couple, Family, Single parent | $158.68 – $793.60 | ||
| Top Hospital 300 (Gold) | Gold | Hospital | $300 | None | 38 | 0 | All states | SCFPSingle, Couple, Family, Single parent | $142.80 – $745.83 | ||
| Top Hospital 500 (Gold) | Gold | Hospital | $500 | None | 38 | 0 | All states | SCFPSingle, Couple, Family, Single parent | $134.81 – $723.06 | ||
| Top Hospital (Gold) & Top Extras | Gold | Combined | — | None | 38 | 0 | All states | SCFPSingle, Couple, Family, Single parent | $239.43 – $1,061.24 | ||
| Top Hospital 300 (Gold) & Top Extras | Gold | Combined | $300 | None | 38 | 0 | All states | SCFPSingle, Couple, Family, Single parent | $223.55 – $1,013.47 | ||
| Top Hospital 500 (Gold) & Top Extras | Gold | Combined | $500 | None | 38 | 0 | All states | SCFPSingle, Couple, Family, Single parent | $215.56 – $990.70 | ||
| Mid Classic 300 (Silver Plus) | Silver Plus | Hospital | $300 | None | 31 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $111.62 – $544.86 | ||
| Mid Classic 500 (Silver Plus) | Silver Plus | Hospital | $500 | None | 31 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $93.25 – $502.79 | ||
| Basic Hospital (Basic Plus) | Basic Plus | Hospital | $300 | None | 4 | 33 | All states | SCFPSingle, Couple, Family, Single parent | $81.11 – $358.17 | ||
| Mid Hospital 300 (Basic Plus) | Basic Plus | Hospital | $300 | None | 27 | 11 | All states | SCFPSingle, Couple, Family, Single parent | $105.11 – $488.80 | ||
| Mid Hospital 500 (Basic Plus) | Basic Plus | Hospital | $500 | None | 27 | 11 | All states | SCFPSingle, Couple, Family, Single parent | $95.64 – $443.48 | ||
| StarterPak (Basic Plus) | Basic Plus | Combined | — | None | 4 | 26 | All states | SCFPSingle, Couple, Family, Single parent | $87.29 – $320.92 |
A policy name opens the fund's own page for it where the fund publishes one. "Covered" links to the cover profile listing the clinical categories. Where a range remains after choosing a state and household, the fund sells several variants of the product there (for example with and without adult dependants) and the per-fund JSON has each.
Hospital cover profiles
Every product's hospital cover is one of these profiles over the 38 clinical categories. Restricted categories are paid at the minimum benefit only.
Cover profile 1 · 4 of 38 categories covered, 26 restricted, 8 not covered
Covered Dental surgery, Hernia and appendix, Joint reconstructions, Tonsils, adenoids and grommets
Restricted Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Hospital psychiatric services, Implantation of hearing devices, Kidney and bladder, Male reproductive system, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Rehabilitation, Skin, Sleep studies, Weight loss surgery
Not covered Assisted reproductive services, Dialysis for chronic kidney failure, Heart and vascular system, Insulin pumps, Joint replacements, Lung and chest, Miscarriage and termination of pregnancy, Pregnancy and birth
Products StarterPak (Basic Plus) (Basic Plus, combined)
Cover profile 2 · 38 of 38 categories covered, 0 restricted, 0 not covered
Covered Assisted reproductive services, Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Hospital psychiatric services, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets, Weight loss surgery
Products Top Hospital (Gold) (Gold, hospital); Top Hospital 300 (Gold) (Gold, hospital); Top Hospital 500 (Gold) (Gold, hospital); Top Hospital (Gold) & Top Extras (Gold, combined); Top Hospital 300 (Gold) & Top Extras (Gold, combined); Top Hospital 500 (Gold) & Top Extras (Gold, combined)
Cover profile 3 · 4 of 38 categories covered, 33 restricted, 1 not covered
Covered Dental surgery, Hernia and appendix, Joint reconstructions, Tonsils, adenoids and grommets
Restricted Assisted reproductive services, Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hospital psychiatric services, Implantation of hearing devices, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Rehabilitation, Skin, Sleep studies, Weight loss surgery
Not covered Insulin pumps
Products Basic Hospital (Basic Plus) (Basic Plus, hospital)
Cover profile 4 · 27 of 38 categories covered, 11 restricted, 0 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Kidney and bladder, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Assisted reproductive services, Cataracts, Dialysis for chronic kidney failure, Heart and vascular system, Hospital psychiatric services, Joint replacements, Lung and chest, Palliative care, Pregnancy and birth, Rehabilitation, Weight loss surgery
Products Mid Hospital 300 (Basic Plus) (Basic Plus, hospital); Mid Hospital 500 (Basic Plus) (Basic Plus, hospital)
Cover profile 5 · 31 of 38 categories covered, 1 restricted, 6 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services
Not covered Assisted reproductive services, Cataracts, Dialysis for chronic kidney failure, Joint replacements, Pregnancy and birth, Weight loss surgery
Products Mid Classic 300 (Silver Plus) (Silver Plus, hospital); Mid Classic 500 (Silver Plus) (Silver Plus, hospital)
Extras profiles
Extras profile 1 · 14 services
Services Acupuncture, Chinese herbal medicine, Chiropractic, General dental, Major dental, Exercise physiology, Health management programs, Non-PBS pharmaceuticals, Optical, Osteopathy, Physiotherapy, Psychology, Remedial massage, Vaccinations
Products StarterPak (Basic Plus) (Basic Plus, combined)
Extras profile 2 · 27 services
Services Acupuncture, Antenatal and postnatal, Audiology, Chinese herbal medicine, Chiropractic, General dental, Major dental, Dietetics, Endodontic, Exercise physiology, Glucose monitors, Health management programs, Hearing aids, Home nursing, Non-PBS pharmaceuticals, Occupational therapy, Optical, Orthodontic, Orthoptics, Orthotics, Osteopathy, Physiotherapy, Podiatry, Psychology, Remedial massage, Speech therapy, Vaccinations
Products Top Hospital (Gold) & Top Extras (Gold, combined); Top Hospital 300 (Gold) & Top Extras (Gold, combined); Top Hospital 500 (Gold) & Top Extras (Gold, combined)
Waiting periods
- Waiting profile 1: pre-existing conditions 12 months, sub-acute care 2 months, other 2 months (3 products)
- Waiting profile 2: pre-existing conditions 12 months, pregnancy and birth 9 months, sub-acute care 2 months, other 2 months (9 products)
Data
This section is built from the Private Health Insurance Ombudsman's monthly policy data release. The same records are published as JSON, each row naming the release file it came from:
/au/insurance/health/v1/funds/teachers-health.json: this fund, every policy row and the cover, waiting-period and extras profiles./au/insurance/health/v1/policies/<STATE>.json: every fund's policies sold in a state (NSW, VIC, QLD, SA, WA, TAS, NT)./au/insurance/health/v1/cheapest.json: the cheapest policies per state, household and tier./au/insurance/health/v1/index.json: dataset index, including every per-fund file.
Deep Almanac is a secondary source and this page is provided for general information and reference. It is not financial, investment, legal, valuation, educational or other professional advice, and it is not a substitute for checking the original source. Premiums change without notice, usually on 1 April each year, and insurers apply waiting periods, exclusions and eligibility rules not fully captured here. You are responsible for any decision you or your software makes in reliance on this page. See our terms of use.