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Insurer

see-u

Reviewed and updated 9 July 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.

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?

Benchmarkssee-uIndustry average
Member retention for Hospital CoverNA86.9%
% hospital-related charges covered90.2%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:

LocationNumber of private Agreement HospitalsIndustry maximum
ACT56
NSW9798
NT22
QLD5160
SA2023
TAS59
VIC7476
WA2224

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:

LocationNumber of day Agreement HospitalsIndustry maximum
ACT89
NSW87103
NT12
QLD4857
SA2530
TAS68
VIC6779
WA1924

Source: se-u: performance


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

Benchmarksee-uIndustry average
% Extras Cover charges covered45.7%51.1%

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


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

Benchmarkssee-uIndustry average
Market shareNA
% services with no gap92.2%88.3%
% services with no gap or where known gap payment made98.1%97.2%
Market share of complaints to the PHIO0.3%3.1%
% complaints investigated by the PHIO0.0%3.1%
Benefits as a % of contributionsNA80.5%
Management expenses as a % of contribution incomeNA13.1%
Management expenses per average policyNA$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

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