StarterPak (Basic Plus)
A Basic Plus hospital and extras policy from Teachers Health.
- Sold as Nurses & Midwives Health, UniHealth.
- Teachers Health only takes education union members and their families.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement Teachers Health files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.
From
Single, NT, no excess, before the rebate.
- Medicare levy surcharge
- Exempts you
- Excess options
- None
- Ambulance
- Emergency and non-emergency, call-out fees included, no limit
- Who can join
- Restricted
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
Against every other Basic hospital and extras policy in NSW & ACT
Single cover, each policy at its cheapest excess, corporate and restricted policies included.
- Basic105 policies$159.9924th cheapest of 105
Monthly premium by state and cover type
NSW prices also apply in the ACT. Each price in the tables opens its official Private Health Information Statement on PrivateHealth.gov.au, with a PDF to download.
Single premium in each state
To the nearest dollar, a month before the rebate. The tables below have every price to the cent.
4 of 38 clinical categories covered in full, 26 restricted
Restricted means the policy pays only the minimum, about what a public hospital charges, so a private hospital stay can leave a large bill. Not covered means the policy pays nothing for that treatment in hospital.
- Covered in full4
- Restricted26
- Not covered8
Covered 4
- Dental surgery
- Hernia and appendix
- Joint reconstructions
- Tonsils, adenoids and grommets
Restricted 26
- 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 8
- 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
Waiting periods
- Pre-existing conditions
- 12 months
- Psychiatric, rehabilitation and palliative care
- 2 months
- All other hospital treatment
- 2 months
Excess and other costs
No excess on any version of this policy.
From the insurer: Includes accident cover. If your doctor or specialist participates in our Access Gap Cover scheme, you may be able to reduce or eliminate your out-of-pocket medical costs. In addition, through Teachers Healthcare Services eligible members can connect with dedicated care coordinators to support them with hospital treatment, or managing their physical and/or mental health.
Pays towards 14 of 27 standard services
Yearly limits, per person, against the typical policy
- General dental$500typical policy $800
- Major dental$500typical policy $1,000
- Optical$180typical policy $220
- Physiotherapyshared with chiropractic, exercise physiology, osteopathy$400typical policy $450
- Chiropracticshared with physiotherapy, exercise physiology, osteopathy$400typical policy $400
- Psychology$300typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)$40.00typical policy $35.20
- Scale and clean (item 114)$70.00typical policy $66.85
- Full crown, veneered (item 615)$0.00typical policy $773.80
- Single vision lenses and frames$180.00typical policy $220.00
- Physiotherapy, first visit$40.00typical policy $42.00
- Psychology, first visit$72.00typical policy $75.00
| Service | Waiting period | Yearly limit, per person | Per policy | Example benefits (all states) |
|---|---|---|---|---|
| General dentalconditions apply | 2 months | $500 | $1,000 | Periodic oral exam (item 012): $40.00Scale and clean (item 114): $70.00Fluoride treatment (item 121): $27.00 |
| Major dentalconditions apply | 12 months | $500 | $1,000 | Surgical extraction (item 322): $0.00Full crown, veneered (item 615): $0.00 |
| Optical | 6 months | $180 | $360 | Multifocal lenses and frames: $180.00Single vision lenses and frames: $180.00 |
| Non-PBS medicines | 2 months | $400shared with vaccinations | $800 | Non-PBS prescription: $60.00 |
| Physiotherapy | 2 months | $400shared with chiropractic, exercise physiology, osteopathy | $800 | Physiotherapy, first visit: $40.00Physiotherapy, later visit: $40.00 |
| Chiropractic | 2 months | $400shared with physiotherapy, exercise physiology, osteopathy | $800 | Chiropractic, first visit: $40.00Chiropractic, later visit: $40.00 |
| Psychology | 2 months | $300 | $600 | Psychology, first visit: $72.00Psychology, later visit: $72.00 |
| Acupuncture | 2 months | $200shared with remedial massage, chinese herbal medicine | $400 | Acupuncture, first visit: $38.00Acupuncture, later visit: $38.00 |
| Remedial massage | 2 months | $200shared with acupuncture, chinese herbal medicine | $400 | Remedial massage, first visit: $38.00Remedial massage, later visit: $38.00 |
| Chinese herbal medicine | 2 months | $200shared with acupuncture, remedial massage | $400 | Chinese herbal medicine, first visit: $38.00Chinese herbal medicine, later visit: $38.00 |
| Exercise physiology | 2 months | $400shared with physiotherapy, chiropractic, osteopathy | $800 | Exercise physiology, first visit: $40.00Exercise physiology, later visit: $40.00 |
| Health management programs | 6 months | $150 | $300 | Health management program: $150.00 |
| Osteopathy | 2 months | $400shared with physiotherapy, chiropractic, exercise physiology | $800 | Osteopathy, first visit: $40.00Osteopathy, later visit: $40.00 |
| Vaccinations | 2 months | $400shared with non-pbs medicines | $800 | Vaccination: $60.00 |
Not covered: endodontic (root canals), orthodontics, podiatry, hearing aids, blood glucose monitors, audiology, antenatal and postnatal, dietetics, orthoptics, home nursing, occupational therapy, orthotics, speech therapy.
Major dental only covers removal of wisdom teeth, with a benefit of $150 for item 324.
Example benefits are what the policy pays for that item at a provider without a special arrangement with the insurer; a percentage is of the fee charged. The typical policy is the middle one of the 708 extras policies on the market that aren't sold only through employers.
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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.