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Insurer

Hunter Health Insurance (by CDH Benefits Fund)

Reviewed and updated 16 March 2024

About Hunter Health Insurance

What is Hunter Health Insurance?

Hunter Health Insurance (by CDH Benefits Fund) is a private health insurer that operates as an open health fund

Background 

It was originally known as Cessnock District Health Benefits Fund (CDH Benefits Fund), which was set up in 1952 to provide coal miners with affordable health insurance. 

CDH Benefits Fund now trades under the brand, Hunter Health Insurance.

Who can join Hunter Health Insurance?

Anyone can join because it is an open health fund. However Hunter Health Insurance focuses on selling its health insurance products to people living in the wider Hunter Valley community.

What products does Hunter Health Insurance offer? 

Hunter Health Insurance offers:

Do Hunter Health Insurance policies include Ambulance Cover?

No. Hunter Health Insurance Hospital and Extras Cover does not include Ambulance Cover. 

It offers Ambulance Only Cover in states and territories where the service is run by the state government:

It does not provide Ambulance Only Cover for:


Is Hunter Health Insurance a not-for-profit health insurer?

Yes. Hunter Health Insurance is a not-for-profit health insurer.


Does Hunter Health Insurance operate in all Australian states and territories?

Yes. Hunter Health Insurance operates in all Australian states and territories.


How does Hunter Health Insurance Hospital Cover compare with other insurers?

BenchmarksHHIIndustry average
Member retention for Hospital Cover88.2%88.6%
% hospital-related charges covered93.6%90.6%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2022: see CDH-Hunter Health Insurance


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

Yes. Hunter Health Insurance has agreements with a number of private hospitals so it can provide services to its members at low cost or with no out-of-pocket costs:

LocationNumber of private Agreement HospitalsIndustry maximum
ACT56
NSW7898
NT12
QLD4760
SA1623
TAS99
VIC7276
WA1824

Hunter Health Insurance also has agreements with a number of day hospitals that allow it to provide services at low cost or with no out-of-pocket costs:

LocationNumber of day Agreement HospitalsIndustry maximum
ACT69
NSW50103
NT12
QLD3557
SA1630
TAS88
VIC6179
WA1224

Source: Hunter Health Insurance: performance


How does Hunter Health Insurance Extras Cover compare with other insurers?

BenchmarkHHIIndustry average
% Extras Cover charges covered34.5%52.0%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2022: see CDH-Hunter Health Insurance


How does Hunter Health Insurance compare with other private health insurers?

BenchmarksHHI Industry average
Market share<0.1%
% services with no gap82.7%88.8%
% services with no gap or where known gap payment made95.3%97.4%
Market share of complaints to the PHIO0.0%
% complaints investigated by the PHIO0.0%
Benefits as a % of contributions76.7%83.1%
Management expenses as a % of contribution income17.9%9.9%
Management expenses per average policy$850$375

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2022: see CDH-Hunter Health Insurance


Is Hunter Health Insurance a member of any industry associations? 

Yes. Hunter Health Insurance is a member of the Members Health Fund Alliance, an alliance of not-for-profit, member-owned, regional or community-based health insurers.


Does Hunter Health Insurance let me claim online or via an app?

Yes. Hunter Health Insurance allows you to make a claim via its online portal.


How to contact Hunter Health Insurance

Phone:

02 4990 1385

Website:

https://www.hunterhi.com.au

Email:

Via online form

Address:

151-153 Vincent Street
CESSNOCK NSW 2325

Postal address:

PO Box 183
CESSNOCK NSW 2325


Compare Hunter Health Insurance with other private health insurers

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