Teachers Health
10 open policies in the October 2026 data. Membership is restricted.
Who can join, as the fund puts it: education union members and their families.
This insurer is a mutual organisation that operates on a not-for-profit basis.
Also sells policies as Nurses & Midwives Health, TUH, UniHealth, Union Health.
teachershealth.com.au, phone 1300 728 188
- Hospital
- 4
- Hospital and extras
- 2
- Extras
- 4
- Closed to new members
- 2
How its premiums compare in NSW & ACT
Teachers Health's cheapest single hospital policy in each tier against every other insurer's cheapest, restricted funds included, from October 2026 data.
- BasicHospital only$129.4523rd cheapest of 27
- SilverHospital only$178.0522nd cheapest of 28
- GoldHospital only$252.217th cheapest of 24
- Basic. Its cheapest single Basic hospital policy in NSW & ACT is Basic Hospital (Basic Plus), at $129.45 a month before the rebate with a $300 excess: 23rd cheapest of 27 insurers. See every insurer
- Silver. Its cheapest single Silver hospital policy in NSW & ACT is Mid Classic (Silver Plus), at $178.05 a month before the rebate with a $500 excess: 22nd cheapest of 28 insurers. See every insurer
- Gold. Its cheapest single Gold hospital policy in NSW & ACT is Top Hospital (Gold), at $252.21 a month before the rebate with a $500 excess: 7th cheapest of 24 insurers. See every insurer
What a single pays each month, cheapest to dearest policy
Monthly, before the rebate, across every excess option.
- NSW & ACT$129.45 to $276.15
- VIC$137.76 to $297.50
- QLD$133.04 to $305.23
- SA$130.00 to $263.41
- WA$109.09 to $240.31
- TAS$129.87 to $266.64
- NT$81.11 to $158.68
- NSW & ACT$159.99 to $371.83
- VIC$155.93 to $393.19
- QLD$155.18 to $408.17
- SA$155.53 to $364.54
- WA$127.39 to $331.09
- TAS$160.46 to $356.00
- NT$87.29 to $239.43
- NSW & ACT$7.22 to $95.68
- VIC$7.36 to $95.69
- QLD$7.39 to $102.94
- SA$7.38 to $101.13
- WA$7.38 to $90.78
- TAS$7.30 to $89.36
- NT$7.23 to $80.75
Show the figures
| State | Hospital | Hospital and extras | Extras |
|---|---|---|---|
| NSW & ACT | $129.45 to $276.15 | $159.99 to $371.83 | $7.22 to $95.68 |
| VIC | $137.76 to $297.50 | $155.93 to $393.19 | $7.36 to $95.69 |
| QLD | $133.04 to $305.23 | $155.18 to $408.17 | $7.39 to $102.94 |
| SA | $130.00 to $263.41 | $155.53 to $364.54 | $7.38 to $101.13 |
| WA | $109.09 to $240.31 | $127.39 to $331.09 | $7.38 to $90.78 |
| TAS | $129.87 to $266.64 | $160.46 to $356.00 | $7.30 to $89.36 |
| NT | $81.11 to $158.68 | $87.29 to $239.43 | $7.23 to $80.75 |
What Teachers Health covers, and what it pays back
Hospital
Its six hospital policies come with no excess or one of $300 or $500. Four of the six drop the excess for children on the policy. Teachers Health doesn't offer the youth discount, up to 10% off for people who join between 18 and 29, though 67% of hospital policies on the market do.
Four of the six cut the wait for pregnancy to 9 months, where most funds make you wait 12. Other waits are the standard ones, the most the law allows: 12 months for pre-existing conditions and pregnancy, two months for everything else. All six cover emergency and non-emergency ambulance trips.
Extras
Teachers Health has five policies with extras, covering anywhere from 14 to 27 of the 27 services insurers report on. Here's the most any of them pays back on common claims, and the highest yearly limits, next to the typical policy among the 708 on the market.
The most it pays back on common claims
- $40.00typical policy $35.20
- $70.00typical policy $66.85
- $750.00typical policy $773.80
- $260.00typical policy $220.00
- $55.00typical policy $42.00
- $100.00typical policy $75.00
Its highest yearly limits for a single
- General dentalNo yearly limittypical policy $800
- Major dental$1,300typical policy $1,000
- Optical$260typical policy $220
- Physiotherapy$800typical policy $450
- Chiropractic$500typical policy $400
- Psychology$600typical policy $400
Benefits are what you'd get back from a provider outside the fund's preferred network, using the national figure or NSW's where a policy pays differently by state. Items paid as a percentage of the fee aren't included. Limits are per person per year on a single policy, and some funds pool several services under one limit. Corporate policies aren't counted. See how every fund compares in what extras pay back, or every policy side by side in the extras explorer.
Hospital policies 4
| Policy | Tier | From | Sold in | Excess options |
|---|---|---|---|---|
| Basic Hospital (Basic Plus)Sold as Nurses & Midwives Health, UniHealth | Basic Plus | $81.11NT | All | $300 |
| Mid Hospital (Basic Plus)Sold as Nurses & Midwives Health, UniHealth | Basic Plus | $95.64NT | All | $300, $500 |
| Mid Classic (Silver Plus)Sold as Nurses & Midwives Health, UniHealth | Silver Plus | $93.25NT | All | $300, $500 |
| Top Hospital (Gold)Sold as Nurses & Midwives Health, TUH, UniHealth, Union Health | Gold | $134.81NT | All | $0, $300, $500 |
Hospital and extras policies 2
| Policy | Tier | From | Sold in | Excess options |
|---|---|---|---|---|
| StarterPak (Basic Plus)Sold as Nurses & Midwives Health, UniHealth | Basic Plus | $87.29NT | All | $0 |
| Top Hospital (Gold) & Top ExtrasSold as Nurses & Midwives Health, UniHealth | Gold | $215.56NT | All | $0, $300, $500 |
Extras policies 4
| Policy | From | Sold in | Services |
|---|---|---|---|
| AmbulanceSold as Nurses & Midwives Health, UniHealth | $7.22NSW & ACT | All | Ambulance only |
| Basic ExtrasSold as Nurses & Midwives Health, UniHealth | $33.00NT | All | 14 |
| Mid ExtrasSold as Nurses & Midwives Health, UniHealth | $53.69NT | All | 17 |
| Top ExtrasSold as Nurses & Midwives Health, UniHealth | $80.75NT | All | 27 |
Teachers Health also has 2 older policies (24 priced variants) closed to new members, which existing members can keep. They are counted here but not listed. Compare its hospital cover with every other insurer's in the hospital explorer.
Source: PrivateHealth.gov.au data (Private Health Insurance Ombudsman) via data.gov.au, licensed CC BY 3.0 AU. Normalised by The Finance Algorithm from the extract dated 1 Oct 2026, read on 23 Oct 2026.
Premiums are monthly and shown before the Australian Government rebate and any Lifetime Health Cover loading or age-based discount. Confirm the price and the cover with the insurer before you buy; the official statement for every policy is on PrivateHealth.gov.au. This is general information, not advice, and no insurer pays to be listed or ranked here.
Questions about Teachers Health
- Who can join Teachers Health?
- It's a restricted fund. Who can join, as Teachers Health puts it: education union members and their families. Teachers Health sells 10 policies to new members (4 hospital-only, 2 combined and 4 extras-only), going by the October 2026 data.
- How much does Teachers Health pay for a dental check-up?
- Up to $40.00 for a check-up (dental item 012) on its Mid Extras policy, at a dentist outside its preferred network. The typical extras policy across the market pays $35.20.