TUH
Registered as TUH, part of the Teachers Health Group · fund code QTU · Restricted membership: current or former union members and their families.
Also sold as Union Health
Health insurance
TUH sells 952 open policies with hospital cover (784 hospital-only, 168 combined with extras, counting one per state and household type) in all states, grouped below into 24 products, of which 22 can be bought by anyone on their own (the rest are corporate, visitor or add-on cover). 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gold Easy Choice | Gold | Combined | $300 | None | 38 | 0 | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $352.80 – $955.18 | |
| Gold Ultimate Choice | Gold | Combined | — | None | 38 | 0 | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $400.12 – $1,109.83 | |
| Silver+ Family Hospital $400 excess | Silver Plus | Hospital | $400 | None | 35 | 1 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $237.07 – $808.89 | |
| Silver+ Family Hospital $750 excess | Silver Plus | Hospital | $750 | None | 35 | 1 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $211.24 – $718.75 | |
| Silver+ Hospital Essentials $400 Excess | Silver Plus | Hospital | $400 | None | 29 | 2 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $199.76 – $524.39 | |
| Silver+ Hospital Essentials $750 Excess | Silver Plus | Hospital | $750 | None | 29 | 2 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $166.11 – $442.99 | |
| Silver+ No Pregnancy Hospital $400 excess | Silver Plus | Hospital | $400 | None | 34 | 1 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $220.27 – $749.64 | |
| Silver+ No Pregnancy Hospital $750 excess | Silver Plus | Hospital | $750 | None | 34 | 1 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $197.60 – $683.43 | |
| Union Health Silver+ Family Hospital $400 excess | Silver Plus | Hospital | $400 | None | 35 | 1 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $237.07 – $808.89 | |
| Union Health Silver+ Family Hospital $750 excess | Silver Plus | Hospital | $750 | None | 35 | 1 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $211.24 – $718.75 | |
| Union Health Silver+ Hospital Essentials $400 Excess | Silver Plus | Hospital | $400 | None | 29 | 2 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $199.76 – $524.39 | |
| Union Health Silver+ Hospital Essentials $750 Excess | Silver Plus | Hospital | $750 | None | 29 | 2 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $166.11 – $442.99 | |
| Union Health Silver+ No Pregnancy Hospital $400 excess | Silver Plus | Hospital | $400 | None | 34 | 1 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $220.27 – $749.64 | |
| Union Health Silver+ No Pregnancy Hospital $750 excess | Silver Plus | Hospital | $750 | None | 34 | 1 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $197.60 – $683.43 | |
| Bronze+ Hospital $500 excess | Bronze Plus | Hospital | $500 | None | 24 | 2 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $136.46 – $416.93 | |
| Bronze+ Hospital $750 excess | Bronze Plus | Hospital | $750 | None | 24 | 2 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $130.31 – $395.90 | |
| Union Health Bronze+ Hospital $500 excess | Bronze Plus | Hospital | $500 | None | 24 | 2 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $136.46 – $416.93 | |
| Union Health Bronze+ Hospital $750 excess | Bronze Plus | Hospital | $750 | None | 24 | 2 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $130.31 – $395.90 | |
| Bronze+ Young Choice | Bronze Plus | Combined | $250 | None | 26 | 2 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $181.29 – $581.39 | |
| Union Health Bronze+ Young Choice | Bronze Plus | Combined | $250 | None | 26 | 2 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $181.29 – $581.39 | |
| Basic+ Hospital $500 excess | Basic Plus | Hospital | $500 | None | 4 | 3 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $84.49 – $258.66 | |
| Basic+ Hospital $750 excess | Basic Plus | Hospital | $750 | None | 4 | 3 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $83.33 – $234.34 | |
| Union Health Basic+ Hospital $750 excess | Basic Plus | Hospital | $750 | None | 4 | 3 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $83.33 – $234.34 | |
| Union Health Basic+ Hospital ($500/1000 excess) | Basic Plus | Hospital | $500 | None | 4 | 3 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $84.49 – $258.66 |
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 · 26 of 38 categories covered, 2 restricted, 10 not covered
Covered 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, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Rehabilitation
Not covered Assisted reproductive services, Back, neck and spine, Cataracts, Dialysis for chronic kidney failure, Heart and vascular system, Insulin pumps, Joint replacements, Pain management with device, Pregnancy and birth, Weight loss surgery
Products Bronze+ Young Choice (Bronze Plus, combined); Union Health Bronze+ Young Choice (Bronze 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 Gold Easy Choice (Gold, combined); Gold Ultimate Choice (Gold, combined)
Cover profile 3 · 4 of 38 categories covered, 3 restricted, 31 not covered
Covered Dental surgery, Hernia and appendix, Joint reconstructions, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not 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, 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, Implantation of hearing devices, Insulin pumps, Joint replacements, Kidney and bladder, Lung and chest, 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), Pregnancy and birth, Skin, Sleep studies, Weight loss surgery
Products Basic+ Hospital $500 excess (Basic Plus, hospital); Basic+ Hospital $750 excess (Basic Plus, hospital); Union Health Basic+ Hospital $750 excess (Basic Plus, hospital); Union Health Basic+ Hospital ($500/1000 excess) (Basic Plus, hospital)
Cover profile 4 · 24 of 38 categories covered, 2 restricted, 12 not covered
Covered 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, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Palliative care, Plastic and reconstructive surgery (medically necessary), Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Rehabilitation
Not covered Assisted reproductive services, Back, neck and spine, Cataracts, Dialysis for chronic kidney failure, Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Pain management with device, Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Weight loss surgery
Products Bronze+ Hospital $500 excess (Bronze Plus, hospital); Bronze+ Hospital $750 excess (Bronze Plus, hospital); Union Health Bronze+ Hospital $500 excess (Bronze Plus, hospital); Union Health Bronze+ Hospital $750 excess (Bronze Plus, hospital)
Cover profile 5 · 29 of 38 categories covered, 2 restricted, 7 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, Joint reconstructions, Kidney and bladder, Lung and chest, 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), Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care
Not covered Assisted reproductive services, Cataracts, Dialysis for chronic kidney failure, Insulin pumps, Joint replacements, Pregnancy and birth, Weight loss surgery
Products Silver+ Hospital Essentials $400 Excess (Silver Plus, hospital); Silver+ Hospital Essentials $750 Excess (Silver Plus, hospital); Union Health Silver+ Hospital Essentials $400 Excess (Silver Plus, hospital); Union Health Silver+ Hospital Essentials $750 Excess (Silver Plus, hospital)
Cover profile 6 · 34 of 38 categories covered, 1 restricted, 3 not covered
Covered 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, 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), Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services
Not covered Assisted reproductive services, Pregnancy and birth, Weight loss surgery
Products Silver+ No Pregnancy Hospital $400 excess (Silver Plus, hospital); Silver+ No Pregnancy Hospital $750 excess (Silver Plus, hospital); Union Health Silver+ No Pregnancy Hospital $400 excess (Silver Plus, hospital); Union Health Silver+ No Pregnancy Hospital $750 excess (Silver Plus, hospital)
Cover profile 7 · 35 of 38 categories covered, 1 restricted, 2 not covered
Covered Assisted reproductive services, 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), Dialysis for chronic kidney failure, 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, 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
Restricted Hospital psychiatric services
Not covered Cataracts, Weight loss surgery
Products Silver+ Family Hospital $400 excess (Silver Plus, hospital); Silver+ Family Hospital $750 excess (Silver Plus, hospital); Union Health Silver+ Family Hospital $400 excess (Silver Plus, hospital); Union Health Silver+ Family Hospital $750 excess (Silver Plus, hospital)
Extras profiles
Extras profile 1 · 12 services
Services Acupuncture, Chinese herbal medicine, Chiropractic, General dental, Endodontic, Exercise physiology, Health management programs, Optical, Osteopathy, Physiotherapy, Psychology, Remedial massage
Products Bronze+ Young Choice (Bronze Plus, combined); Union Health Bronze+ Young Choice (Bronze Plus, combined)
Extras profile 2 · 25 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, Non-PBS pharmaceuticals, Occupational therapy, Optical, Orthodontic, Orthoptics, Orthotics, Osteopathy, Physiotherapy, Podiatry, Psychology, Remedial massage, Speech therapy
Products Gold Easy Choice (Gold, combined)
Extras profile 3 · 26 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
Products Gold Ultimate Choice (Gold, combined)
Waiting periods
- Waiting profile 1: pre-existing conditions 12 months, sub-acute care 2 months, other 2 months (18 products)
- Waiting profile 2: pre-existing conditions 12 months, pregnancy and birth 9 months, sub-acute care 2 months, other 2 months (6 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/tuh.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.