Healthy Options 60% Extras
An extras policy from TUH.
- TUH only takes current or former 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 TUH 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
- Does not exempt you
- 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.
TUH's page for this policyAgainst every other extras policy in NSW & ACT
Single cover, corporate and restricted policies included. Further right covers more services, higher up costs more.
It covers 15 services for $88.21 a month. Of the 396 other policies, 210 cost less and 243 cover more services.
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.
No excess
| State | Single | Couple | Family | Single parent | Extended family | Extended single parent |
|---|---|---|---|---|---|---|
| NSW & ACT | $88.21 | $176.42 | $176.42 | $134.95 | $238.15 | $185.22 |
| VIC | $88.73 | $177.46 | $177.46 | $135.74 | $239.55 | $186.32 |
| QLD | $86.67 | $173.34 | $173.34 | $132.61 | $234.01 | $182.00 |
| SA | $85.33 | $170.66 | $170.66 | $130.55 | $230.38 | $179.18 |
| WA | $85.51 | $171.02 | $171.02 | $130.84 | $230.91 | $179.60 |
| TAS | $84.50 | $169.00 | $169.00 | $129.27 | $228.14 | $177.44 |
| NT | $83.70 | $167.40 | $167.40 | $128.07 | $226.00 | $175.79 |
Pays towards 15 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalshared with major dental, endodontic (root canals), orthodontics$1,000typical policy $800
- Major dentalshared with general dental, endodontic (root canals), orthodontics$1,000typical policy $1,000
- Optical$260typical policy $220
- Physiotherapyshared with exercise physiology$450typical policy $450
- Chiropracticshared with 5 other services$500typical policy $400
- Psychologyshared with 5 other services$500typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)60% of the feetypical policy $35.20
- Scale and clean (item 114)60% of the feetypical policy $66.85
- Full crown, veneered (item 615)60% of the feetypical policy $773.80
- Single vision lenses and frames60% of the feetypical policy $220.00
- Physiotherapy, first visit60% of the feetypical policy $42.00
- Psychology, first visit60% of the feetypical policy $75.00
| Service | Waiting period | Yearly limit, per person | Per policy | Example benefits (all states) |
|---|---|---|---|---|
| General dental | 2 months | $1,000shared with major dental, endodontic (root canals), orthodontics | - | Periodic oral exam (item 012): 60%Scale and clean (item 114): 60%Fluoride treatment (item 121): 60%Simple extraction (item 322): 60% |
| Major dental | 12 months | $1,000shared with general dental, endodontic (root canals), orthodontics | - | Full crown, veneered (item 615): 60% |
| Endodontic (root canals) | 12 months | $1,000shared with general dental, major dental, orthodontics | - | Root canal filling (item 417): 60% |
| Orthodonticsconditions apply | 12 months | $1,000shared with general dental, major dental, endodontic (root canals) | - | Braces, upper and lower, with retainer (item 881): 60% |
| Optical | 6 months | $260 | - | Multifocal lenses and frames: 60%Single vision lenses and frames: 60% |
| Physiotherapy | 2 months | $450shared with exercise physiology | - | Physiotherapy, first visit: 60%Physiotherapy, later visit: 60% |
| Chiropractic | 2 months | $500shared with 5 other services | - | Chiropractic, first visit: 60%Chiropractic, later visit: 60% |
| Podiatry | 2 months | $500shared with 5 other services | - | Podiatry, first visit: 60%Podiatry, later visit: 60% |
| Psychology | 2 months | $500shared with 5 other services | - | Psychology, first visit: 60%Psychology, later visit: 60% |
| Acupuncture | 2 months | $500shared with 5 other services | - | Acupuncture, first visit: 60%Acupuncture, later visit: 60% |
| Remedial massage | 2 months | $500shared with 5 other services | - | Remedial massage, first visit: 60%Remedial massage, later visit: 60% |
| Antenatal and postnatal | 2 months | $150shared with health management programs | $300 | Antenatal and postnatal, first visit: 60%Antenatal and postnatal, later visit: 60% |
| Chinese herbal medicine | 2 months | $500shared with 5 other services | - | Chinese herbal medicine, first visit: 60%Chinese herbal medicine, later visit: 60% |
| Exercise physiology | 2 months | $450shared with physiotherapy | - | Exercise physiology, first visit: 60%Exercise physiology, later visit: 60% |
| Health management programs | 2 months | $150shared with antenatal and postnatal | $300 | Health management program: 60% |
Not covered: non-pbs medicines, hearing aids, blood glucose monitors, audiology, dietetics, orthoptics, home nursing, occupational therapy, orthotics, osteopathy, speech therapy, vaccinations.
Other services: Other services payable at 60% of cost up to the relevant annual service category limit include: Anti-snore devices included in overall dental limit. Optical frames, lenses and contact lenses. Group Physiotherapy and Ante/post-natal Physiotherapy. Chiropractic and Osteopathic x-rays (one per year) included in overall limit. Psychology group consultations, psychometric assessments and counselling. Myotherapy, Shiatsu, Alexander Technique, Western Herbal Medicine, Naturopathy. Biogait analysis. Health screenings. Active Health Bonus $40/person $80/membership (conditions apply).
From the insurer: Online and mobile access, claims via smart phone app. Extended dependant option only available with selected hospital products, contact us for further details.
*Dental combined limit for general, preventative and major dental including Orthodontics ($700 orthodontic annual limit during active treatment with a maximum lifetime benefit of $2100). In relevant States/Territories ambulance subscription fees are payable at 60% of cost under the Health Management category if this product is held without a hospital cover.
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.
Compare
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.