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Insurer

Teachers Health

Reviewed and updated 3 April 2024

About Teachers Health

What is Teachers Health?

Teachers Health is a private health insurer that operates as a restricted health fund

Background

Teachers Health was established in 1954 by the NSW Teachers Federation to provide affordable private health insurance to teachers and other people working in education and their families. It initially had 2,600 members. 

Today, it is Australia’s largest industry-based health fund and has over 400,000 members around the country.

Who can join Teachers Health?

You can join Teachers Health if you are:

  • a teacher working in a primary, secondary or tertiary education
  • an administrative and support staff member working in primary, secondary or tertiary education.
  • a family member of one of the above, which includes:
    • current or former spouses or partners
    • dependent children
    • adult children, their partners and dependent children
    • siblings, their partners and dependent children
    • parents
    • grandchildren

What products does Teachers Health offer?

Teachers Health offers:

Do Teachers Health policies include Ambulance Cover?

Teachers Health includes emergency Ambulance Cover with:

  • Hospital Cover
  • Extras Cover
  • Combined Hospital and Extras Cover.

Is Teachers Health a not-for-profit health insurer?

Yes. Teachers Health is a not-for-profit health insurer.


Does Teachers Health operate in all Australian states and territories?

Yes. Teachers Health operates in all Australian states and territories.


Does Teachers Health sell health insurance policies under other brands?

Yes. Teachers Health policies are sold under 2 brands:

  • Nurses & Midwives Health
  • UniHealth.

How does Teachers Health Hospital Cover compare with other insurers?

BenchmarksTeachers HealthIndustry average
Member retention for Hospital Cover92.4%88.6%
% hospital-related charges covered91.3%90.6%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2022


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

Yes. Teachers Health 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
NSW9898
NT12
QLD5160
SA2023
TAS59
VIC7576
WA2224

Teachers Health 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
NSW86103
NT22
QLD4757
SA2530
TAS68
VIC7079
WA1924

Source: Teachers Health: performance


How does Teachers Health Extras Cover compare with other insurers?

BenchmarkTeachers HealthIndustry average
% Extras Cover charges covered45.6%52.0%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2022


How does Teachers Health compare with other private health insurers?

BenchmarksTeachers HealthIndustry average
Market share2.6%
% services with no gap90.8%88.8%
% services with no gap or where known gap payment made97.7%97.4%
Market share of complaints to the PHIO2.7%
% complaints investigated by the PHIO4.1%
Benefits as a % of contributions86.4%83.1%
Management expenses as a % of contribution income8.4%9.9%
Management expenses per average policy$400$375

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2022


Is Teachers Health a member of any industry organisations?

Teachers Health 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. 

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


Does Teachers Health let me claim online or via an app?

Yes. Teachers Health allows you to make a claim online by logging into Online Member Services or using the Teachers Health mobile app.


How to contact Teachers Health

Phone:

1300 727 538

Website:

https://www.teachershealth.com.au/

Email:

info@teachershealth.com.au

Address:

Level 4
260 Elizabeth Street
SYDNEY NSW 2000

Postal address:

GPO Box 9812
SYDNEY NSW 2001


Compare Teachers Health with other private health insurers

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