Compare TUH Health Fund health insurance

How TUH rates for member complaints, gap cover and ambulance.

Fact-checked

Last updated: 13 May 2024

Who is TUH Health Fund?

TUH Health Fund was founded in 1972 by the Queensland Teachers’ Union. It is open to all past and present members of a union and their family members, and counts teachers, nurses, firefighters and government employees amongst its members. TUH is a nonprofit fund and part of Members Health, an alliance of nonprofit and mutual health funds.

Phone: 1300 360 701

Website: tuh.com.au

Does TUH Health Fund get many complaints from members?

TUH Health Fund has a Low complaints rating.

When we score policies we give each fund a complaints rating, based on the number of complaints and serious disputes the Ombudsman deals with. We take into account the size of the fund, so big funds don’t get automatically penalised for having more complaints. The ratings are Low, Medium and High. A Low rating is better than a High rating – it means the fund has fewer complaints and fewer serious disputes for its size.

How good is TUH Health Fund’s gap cover?

A medical gap is the difference between Medicare’s recommended fee and what your doctor actually charges for a treatment or service.

Health funds have agreements with particular doctors and hospitals to cover all of the gap, which are called ‘no gap agreements’, or part of that gap, which are called ‘known gap agreements’ (these will have lower out-of-pocket costs, usually less than $500).

Our graphic below displays the CHOICE gap rating, which takes into account the percentage of services where members either paid no gap or a known gap, compared to the state average.

Rating scale

Well above average
Above average
Average
Below average
Well below average

Text-only accessible version

Australian Capital Territory

Above average.

New South Wales

Above average.

Northern Territory

Above average.

Queensland

Above average.

South Australia

Average.

Tasmania

Average.

Victoria

Average.

Western Australia

Average.

How many hospital agreements does TUH Health Fund have in each state?

The benefit amount your fund pays you for hospital services depends not only on the type of cover you buy, but also whether your fund has an agreement with the hospital where you’re treated.

The table below shows how many hospital agreements TUH Health Fund has in your state compared to the fund with the highest number (the industry maximum). Note that public hospitals don’t have agreements with specific funds and are generally treated as though they’re agreement hospitals.

Text-only accessible version

TUH Health Fund hospital agreements

In the Australian Capital Territory this fund has…

5 private hospital agreements out of an industry maximum of 6.

8 day hospital agreements out of an industry maximum of 9.

In New South Wales this fund has…

90 private hospital agreements out of an industry maximum of 92.

93 day hospital agreements out of an industry maximum of 105.

In the Northern Territory this fund has…

1 private hospital agreement out of an industry maximum of 1.

2 day hospital agreements out of an industry maximum of 2.

In Queensland this fund has…

50 private hospital agreements out of an industry maximum of 58.

48 day hospital agreements out of an industry maximum of 54.

In South Australia this fund has…

18 private hospital agreements out of an industry maximum of 20.

25 day hospital agreements out of an industry maximum of 31.

In Tasmania this fund has…

8 private hospital agreements out of an industry maximum of 8.

6 day hospital agreements out of an industry maximum of 9.

In Victoria this fund has…

69 private hospital agreements out of an industry maximum of 71.

71 day hospital agreements out of an industry maximum of 80.

In Western Australia this fund has…

21 private hospital agreements out of an industry maximum of 23.

20 day hospital agreements out of an industry maximum of 29.

Does TUH Health Fund offer any discounts?

TUH Health Fund offers a 1.5% discount if you pay by direct debit, and members can prepay for a maximum of 6 months only.

Youth discounts are offered on all hospital policies, and these are transferable (meaning you can transfer a discount from another fund to one of these policies).

Does TUH Health Fund offer ambulance cover?

TUH Health Fund hospital policies offer emergency ambulance cover in the ACT and NSW.

In Victoria, South Australia, Western Australia and the Northern Territory, cover is included in combined extras & hospital policies.

Do you need ambulance cover?

Depending on where you live, you may not need a policy with ambulance cover.

Queensland or Tasmania: Emergency ambulance services are covered by your state government.
NSW and the ACT: All hospital policies come with emergency ambulance cover – so you’ll be covered with any hospital or combined policy you select.
South Australia, Victoria and the Northern Territory: You can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance in your state or territory or refund at least part of the cost of the ambulance service cover.
Rural Western Australia: You can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance or refund at least part of the cost of the ambulance service cover.
Metropolitan Western Australia: If you want to be covered for ambulance you need to buy a health insurance policy with ambulance cover.

Does TUH Health Fund offer family policies that cover adult children?

Adult children are covered on family policies for free until they turn 21.
Full-time students are covered on family policies for free until they turn 31.
Adult children younger than 31 can be covered on extended family policies for an extra cost.