TUH
26 open policies in the October 2026 data. Membership is restricted.
Registered as TUH, part of the Teachers Health Group.
Who can join, as the fund puts it: current or former union members and their families.
This insurer is a mutual organisation that operates on a not-for-profit basis.
Also sells policies as Union Health.
tuh.com.au, phone 1300 360 701
- Hospital
- 10
- Hospital and extras
- 4
- Extras
- 12
- Closed to new members
- 6
How its premiums compare in NSW & ACT
TUH's cheapest single hospital policy in each tier against every other insurer's cheapest, restricted funds included, from October 2026 data.
- BasicHospital only$111.2510th cheapest of 27
- BronzeHospital only$147.6524th cheapest of 29
- SilverHospital only$168.8417th cheapest of 28
- GoldHospital and extras$353.667th cheapest of 18
- Basic. Its cheapest single Basic hospital policy in NSW & ACT is Basic+ Hospital, at $111.25 a month before the rebate with a $750 excess: 10th cheapest of 27 insurers. See every insurer
- Bronze. Its cheapest single Bronze hospital policy in NSW & ACT is Bronze+ Hospital, at $147.65 a month before the rebate with a $750 excess: 24th cheapest of 29 insurers. See every insurer
- Silver. Its cheapest single Silver hospital policy in NSW & ACT is Silver+ Hospital Essentials, at $168.84 a month before the rebate with a $750 excess: 17th cheapest of 28 insurers. See every insurer
- Gold. Its cheapest single Gold hospital and extras policy in NSW & ACT is Gold Easy Choice, at $353.66 a month before the rebate with a $300 excess: 7th cheapest of 18 insurers. See every insurer
What a single pays each month, cheapest to dearest policy
Monthly, before the rebate, across every excess option. 2 corporate policies are included; they are sold through employers and associations.
- NSW & ACT$111.25 to $296.42
- VIC$112.62 to $311.12
- QLD$112.52 to $301.85
- SA$106.36 to $287.91
- WA$90.85 to $237.07
- TAS$117.17 to $302.19
- NT$83.33 to $237.07
- NSW & ACT$198.76 to $423.23
- VIC$215.34 to $414.11
- QLD$204.21 to $402.65
- SA$192.86 to $400.12
- WA$181.29 to $407.13
- TAS$190.54 to $408.01
- NT$181.29 to $426.87
- NSW & ACT$38.31 to $121.83
- VIC$39.91 to $117.11
- QLD$38.48 to $120.61
- SA$40.30 to $115.87
- WA$38.28 to $117.33
- TAS$40.22 to $116.03
- NT$37.65 to $114.95
Show the figures
| State | Hospital | Hospital and extras | Extras |
|---|---|---|---|
| NSW & ACT | $111.25 to $296.42 | $198.76 to $423.23 | $38.31 to $121.83 |
| VIC | $112.62 to $311.12 | $215.34 to $414.11 | $39.91 to $117.11 |
| QLD | $112.52 to $301.85 | $204.21 to $402.65 | $38.48 to $120.61 |
| SA | $106.36 to $287.91 | $192.86 to $400.12 | $40.30 to $115.87 |
| WA | $90.85 to $237.07 | $181.29 to $407.13 | $38.28 to $117.33 |
| TAS | $117.17 to $302.19 | $190.54 to $408.01 | $40.22 to $116.03 |
| NT | $83.33 to $237.07 | $181.29 to $426.87 | $37.65 to $114.95 |
What TUH covers, and what it pays back
Hospital
Leaving out the two it sells through employers, TUH has 12 policies with hospital cover. They come with a choice of $250, $400, $500 or $750 excess. All 12 drop the excess for children on the policy. All 12 offer the youth discount: up to 10% off for people who join between 18 and 29.
Two of the 12 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 12 cover emergency and non-emergency ambulance trips.
Extras
Not counting the two it sells through employers, TUH has 14 policies with extras, covering anywhere from 9 to 26 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
- $39.90typical policy $35.20
- $72.45typical policy $66.85
- $750.00typical policy $773.80
- $62.00typical policy $42.00
- $90.00typical policy $75.00
Its highest yearly limits for a single
- General dentalNo yearly limittypical policy $800
- Major dental$3,400typical policy $1,000
- Optical$260typical policy $220
- Physiotherapy$700typical policy $450
- Chiropractic$500typical policy $400
- Psychology$500typical 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 10
| Policy | Tier | From | Sold in | Excess options |
|---|---|---|---|---|
| Basic+ Hospital | Basic Plus | $83.33NT | All | $500, $750 |
| Union Health Basic+ HospitalSold as Union Health | Basic Plus | $83.33NT | All | $500, $750 |
| Bronze+ Hospital | Bronze Plus | $130.31NT | All | $500, $750 |
| Union Health Bronze+ HospitalSold as Union Health | Bronze Plus | $130.31NT | All | $500, $750 |
| Silver+ Hospital Essentials | Silver Plus | $166.11QLD | All | $400, $750 |
| Union Health Silver+ Hospital EssentialsSold as Union Health | Silver Plus | $166.11QLD | All | $400, $750 |
| Silver+ No Pregnancy Hospital | Silver Plus | $197.60WA | All | $400, $750 |
| Union Health Silver+ No Pregnancy HospitalSold as Union Health | Silver Plus | $197.60WA | All | $400, $750 |
| Silver+ Family Hospital | Silver Plus | $211.24WA | All | $400, $750 |
| Union Health Silver+ Family HospitalSold as Union Health | Silver Plus | $211.24WA | All | $400, $750 |
Hospital and extras policies 4
| Policy | Tier | From | Sold in | Excess options |
|---|---|---|---|---|
| Bronze+ Young Choice | Bronze Plus | $181.29WA | All | $250 |
| Union Health Bronze+ Young ChoiceSold as Union Health | Bronze Plus | $181.29WA | All | $250 |
| Gold Easy ChoiceCorporate | Gold | $352.80QLD | All | $300 |
| Gold Ultimate ChoiceCorporate | Gold | $400.12SA | All | $0 |
Extras policies 12
| Policy | From | Sold in | Services |
|---|---|---|---|
| Basic Extras | $37.65NT | All | 9 |
| Union Health Basic ExtrasSold as Union Health | $37.65NT | All | 9 |
| Mid Range Extras | $65.13NT | All | 20 |
| Union Health Mid Range ExtrasSold as Union Health | $65.13NT | All | 20 |
| Healthy Options 60% Extras | $83.70NT | All | 15 |
| Union Health Healthy Options 60% ExtrasSold as Union Health | $83.70NT | All | 15 |
| Everyday Extras | $87.17NT | All | 9 |
| Union Health Everyday ExtrasSold as Union Health | $87.17NT | All | 9 |
| Family Extras | $97.41NT | All | 26 |
| Union Health Family ExtrasSold as Union Health | $97.41NT | All | 26 |
| Comprehensive Extras | $114.95NT | All | 26 |
| Union Health Comprehensive ExtrasSold as Union Health | $114.95NT | All | 26 |
TUH also has 6 older policies (252 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 TUH
- Who can join TUH?
- It's a restricted fund. Who can join, as TUH puts it: current or former union members and their families. TUH sells 26 policies to new members (10 hospital-only, 4 combined and 12 extras-only), going by the October 2026 data.
- How much does TUH pay for a dental check-up?
- Up to $39.90 for a check-up (dental item 012) on its Comprehensive Extras policy, at a dentist outside its preferred network. The typical extras policy across the market pays $35.20.