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see-u By HBF

Reviewed and updated 26 September 2024

About see-u By HBF

What is see-u By HBF?

see-u by HBF (see-u) is a private health insurer that operates as an open health fund.

Background

Established in 1976, CUA Health was a subsidiary of Great Southern Bank, previously the CUA Credit Union. It is based in Brisbane.

In 2021, HBF bought CUA Health, adding around 79,000 new members and moving the West Australian-based insurer into the Queensland market.

On 1 March 2024, CUA Health rebranded as see-u By HBF.

Who can join see-u?

Anyone can join see-u because it is an open health fund.

What products does see-u offer?

see-u offers:

Do see-u policies include Ambulance Cover?

see-u includes emergency Ambulance Cover with:

Hospital Cover
Extras Cover.

Does see-u offer corporate policies?

Yes, see-u provides corporate policies to certain organisations. Search your organisation’s website or intranet to find out whether a corporate health insurance policy is available to you, and what conditions apply.

Is see-u a not-for-profit health insurer?

No. see-u is a for-profit health insurer. However, its parent company HBF is a not-for-profit insurer.

Does see-u operate in all Australian states and territories?

Yes. see-u operates in all Australian states and territories.

How does see-u Hospital Cover compare with other insurers?

Benchmarks	see-u	Industry average
Member retention for Hospital Cover	NA	86.9%
% hospital-related charges covered	90.2%	89.9%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report 2023

Does see-u have agreements with some private hospitals or day hospitals to provide services at low cost or with no out-of-pocket costs?

Yes. see-u has agreements with a number of private hospitals that allow it to provide services to its members at low cost or with no out-of-pocket costs:

Location	Number of private Agreement Hospitals	Industry maximum
ACT	5	6
NSW	97	98
NT	2	2
QLD	51	60
SA	20	23
TAS	5	9
VIC	74	76
WA	22	24

see-u also has agreements with a number of day hospitals so it can provide services at low cost or with no out-of-pocket costs:

Location	Number of day Agreement Hospitals	Industry maximum
ACT	8	9
NSW	87	103
NT	1	2
QLD	48	57
SA	25	30
TAS	6	8
VIC	67	79
WA	19	24

Source: se-u: performance

How does see-u Extras Cover compare with other insurers?

Benchmark	see-u	Industry average
% Extras Cover charges covered	45.7%	51.1%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report 2023

How does see-u compare with other private health insurers?

Benchmarks	see-u	Industry average
Market share	NA	–
% services with no gap	92.2%	88.3%
% services with no gap or where known gap payment made	98.1%	97.2%
Market share of complaints to the PHIO	0.3%	3.1%
% complaints investigated by the PHIO	0.0%	3.1%
Benefits as a % of contributions	NA	80.5%
Management expenses as a % of contribution income	NA	13.1%
Management expenses per average policy	NA	$592

Source: Private Health Insurance Ombudsman: State of the Health Funds Report 2023

Is see-u a member of any industry associations?

Through HBF, see-u is a member of Private Healthcare Australia (PHA), a body that represents 20 registered health insurers and 97% of people covered by private health insurance.

Does see-u let me claim online or via an app?

Yes. see-u allows you to make a claim online and via its updated see-u Mobile Claims app.

How to contact see-u

Phone:

1300 499 260

Website:

https://www.seeuhealthinsurance.com.au

Email:

info@seeuhealthinsurance.com.au

Address:

Level 14
145 Ann Street
BRISBANE QLD 4000

Postal address:

Locked Bag 2234
BRISBANE QLD 4001

Compare see-u with other private health insurers

Use our healthslips.com.au Calculator to find the best health insurance for you.

see-u By HBF

About see-u By HBF

What is see-u By HBF?

Background

Who can join see-u?

What products does see-u offer?

Do see-u policies include Ambulance Cover?

Does see-u offer corporate policies?

Is see-u a not-for-profit health insurer?

Does see-u operate in all Australian states and territories?

How does see-u Hospital Cover compare with other insurers?

Does see-u have agreements with some private hospitals or day hospitals to provide services at low cost or with no out-of-pocket costs?

How does see-u Extras Cover compare with other insurers?

How does see-u compare with other private health insurers?

Is see-u a member of any industry associations?

Does see-u let me claim online or via an app?

How to contact see-u

Compare see-u with other private health insurers

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