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    Join online and get one month free

    Take out a Hospital or Combined product and get one month free health cover*. This offer is exclusively for new members who join online.

    *Terms & conditions

    You will get real value from our health insurance products.



    Our Hospital products provide benefits for a range of services received when you are admitted to hospital. Hospital cover can be taken on its own or with an Extras product to provide you with greater cover.

     

    Our Extras covers are designed to assist you in taking care of your well-being, by providing benefits towards services that help you to lead a healthy life. These services, including optical, dental, physio, psychology and speech therapy are not generally covered by Medicare.

     

    Our range of combined covers package Hospital and Extras products into one convenient bundle, with options to suit all needs and life stages.

     

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    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

    © Copyright 2014 of Teachers Federation Health Limited ABN 86 097 030 414 trading as Teachers Health Fund.