Skip to content
Explore Overview
Reviewed and updated 16 March 2024

About TUH

What is TUH?

Queensland Teachers’ Union Health Fund (TUH) is a private health insurer that operates as a restricted health fund.

Background

TUH was established in 1972 by a group of teachers from the Queensland Teachers’ Union who wanted to help teachers and their families access better health insurance. TUH now also offers health insurance to people working in a broad range of industries.

Who can join TUH?

You can join TUH if you are a:

  • member of any Australian union 
  • family member of anyone who belongs to an Australian union, including:
    • parent
    • partner/spouse (current or former)
    • dependent child
    • adult child
    • grandchild
    • sibling.

What products does TUH offer?

TUH offers: 

Do TUH policies include Ambulance Cover?

For residents of ACT and NSW, TUH includes emergency Ambulance Cover with Hospital Cover. 

For residents of NT, SA, VIC and WA, TUH includes emergency Ambulance Cover with:

  • Hospital Cover
  • Combined Hospital and Extras Cover.

Residents of QLD and TAS are already covered by state-run ambulance services.


Is TUH a not-for-profit health insurer?

Yes. TUH is a not-for-profit health insurer.


Does TUH operate in all Australian states and territories?

Yes. TUH operates in all Australian states and territories.


Does TUH sell its health insurance policies under other brands?

Yes. TUH sells its health insurance policies under the Union Health brand.


How does TUH Hospital Cover compare with other insurers?

BenchmarksTUHIndustry average
Member retention for Hospital Cover90.4%88.6%
% hospital-related charges covered90.9%90.6%

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


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

Yes. TUH 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
QLD5060
SA1923
TAS99
VIC7376
WA2124

TUH 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
NT12
QLD4957
SA2430
TAS58
VIC6979
WA2024

Source: TUH: performance


How does TUH Extras Cover compare with other insurers?

BenchmarkTUHIndustry average
% Extras Cover charges covered52.8%52.0%

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


How does TUH compare with other private health insurers?

BenchmarksTUHIndustry average
Market share0.6%
% services with no gap91.9%88.8%
% services with no gap or where known gap payment made98.4%97.4%
Market share of complaints to the PHIO0.3%
% complaints investigated by the PHIO0.0%
Benefits as a % of contributions83.5%83.1%
Management expenses as a % of contribution income8.6%9.9%
Management expenses per average policy$433$375

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


Is TUH a member of any industry organisations?

Yes. TUH 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 TUH let me claim online or via an app?

Yes. TUH allows you to make a claim online via its member portal or by using the mobile app.


How to contact TUH

Phone:

1300 360 701

Website:

https://tuh.com.au/

Email:

enquiries@tuh.com.au

Address:

438 St Pauls Terrace
FORTITUDE VALLEY QLD 4006

Postal address:

PO Box 265
FORTITUDE VALLEY QLD 4006


Compare TUH with other private health insurers

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

Related Content

advertisement
calculate your cheapest health insurance