call us on 1300 727 538






 Morning Afternoon Evening

Call 1300 727 538
For the well-being of teachers & their families.
Home » Code of conduct

Code of conduct

Private Health Insurance Code of Conduct

The Private Health Insurance Code of Conduct (the Code) is a voluntary industry Code that aims to enhance the standards of practice and service in the private health insurance industry. As a signatory to the Code, we undertake to do a number of things that will benefit you as a customer. These include:

  • Working towards improving the standards of practice and service within Teachers Health Fund (THF) and in the private health insurance industry generally
  • Providing information to you in plain language
  • Promoting better informed decisions about our products and services
  • Letting you know about our process for resolving any concerns that you may have
  • Ensuring that all information between our members and THF is protected in accordance with our Privacy Policy

Teachers Health Fund proudly supports the Code and we are committed to continually reviewing our operations to ensure compliance.

  • Detrimental changes to policies

    There is a distinction in the Code between significant detrimental changes to policies and detrimental changes and in the action funds are required to take with their members when such changes occur. For these changes, THF will provide members with sufficient written notice, as required under the Code.

  • Cooling off period

    THF has a written policy of returning premiums to members in full if a policy is cancelled within 30 days from the commencement date of the policy and if members have not made a claim with THF.

Join NowX

Membership Type

You

Tell us a little about yourself to get started:

Tell us a little about yourself and your partner to get started:

Tell us a little about yourself, your partner and family to get started:

Tell us a little about yourself and your family to get started:

Your Cover

Select your desired level of cover:

or

Your Rebate

All Australian residents, who are entitled to Medicare, are able to claim an income tested rebate on their private health insurance; would you like to apply your rebate?

For individuals earning between $88,001 - $102,000 (or $176,001 - $204,000 for families*).
*For families with children, the thresholds are increased by $1,500 for each child after the first.

How rebate tiers workX

Most Australians with private health insurance currently receive a rebate from the Australian Government to help cover the cost of their premiums. The private health insurance rebate is income tested. The table below details the different rebate amounts and Medicare Levy Surcharge levels.

The rebate applies to hospital, general treatment and ambulance policies. It does not apply to overseas visitors cover. The rebate levels applicable for 1 July 2013 to 30 June 2014 are:

Singles
Families
≤$88,000
≤$176,000
≤$88,001-102,000
≤$176,001-204,000
≤$102,001-136,000
≤$204,001-272,000
≤$136,001
≤$272,001
Rebate
< Age 6530%20%10%0%
Age 65-6935%25%15%0%
Age 70+40%30%20%0%

Single parents and couples (including de facto couples) are subject to family tiers. For families with children, the thresholds are increased by $1,500 for each child after the first. http://www.privatehealth.gov.au/healthinsurance/incentivessurcharges/insurancerebate.htm