TUH

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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: 

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

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.

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Is TUH a not-for-profit health insurer?

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

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Does TUH operate in all Australian states and territories?

Yes. TUH operates in all Australian states and territories.

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Does TUH sell its health insurance policies under other brands?

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

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How does TUH Hospital Cover compare with other insurers?

Benchmarks	TUH	Industry average
Member retention for Hospital Cover	90.4%	88.6%
% hospital-related charges covered	90.9%	90.6%

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

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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:

Location	Number of private Agreement Hospitals	Industry maximum
ACT	5	6
NSW	97	98
NT	2	2
QLD	50	60
SA	19	23
TAS	9	9
VIC	73	76
WA	21	24

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:

Location	Number of day Agreement Hospitals	Industry maximum
ACT	8	9
NSW	86	103
NT	1	2
QLD	49	57
SA	24	30
TAS	5	8
VIC	69	79
WA	20	24

Source: TUH: performance

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How does TUH Extras Cover compare with other insurers?

Benchmark	TUH	Industry average
% Extras Cover charges covered	52.8%	52.0%

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

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How does TUH compare with other private health insurers?

Benchmarks	TUH	Industry average
Market share	0.6%	–
% services with no gap	91.9%	88.8%
% services with no gap or where known gap payment made	98.4%	97.4%
Market share of complaints to the PHIO	0.3%	–
% complaints investigated by the PHIO	0.0%	–
Benefits as a % of contributions	83.5%	83.1%
Management expenses as a % of contribution income	8.6%	9.9%
Management expenses per average policy	$433	$375

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

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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.

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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.

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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

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