Levels of cover
We understand that health insurance may be confusing, so we have broken down our product range to help you choose.
Otherwise check out our Help me choose tool which will take you through a couple of questions to help work out the cover best suited to your needs. Plus you can easily check out prices.
I want top cover | Top Hospital or Private Hospital Saver 300/500 |
Top Hospital is our premium Hospital product, providing cover for a wide range of services in private hospitals with which Teachers Health Fund has agreements and same day surgeries. Private Hospital Saver provides the same high level cover as Top Hospital but with a choice of excess levels available ($300/$500) to lower your contributions. |
---|---|---|
Top Extras | Top Extras is our most comprehensive level of Extras cover, providing generous benefits and overall limits for an extensive range of services. | |
I want mid cover | Mid Hospital 300/500 | Mid Hospital is our intermediate Hospital product, providing cover for all services covered by Medicare that are not listed as restricted. Our Mid Hospital product has a choice of excess levels available ($300/$500) to lower your contributions. |
Essential Extras | Essential Extras provides benefits for a range of core, everyday services. | |
I want basic cover | Basic Hospital 300 |
Basic Hospital is our lowest level of Hospital cover, providing cover for your choice of doctor in a public hospital. Our Basic Hospital product has a $300 excess option. Basic Hospital cover does not allow you to avoid public hospital waiting lists. |
Essential Extras | Essential Extras provides benefits for a range of core, everyday services. | |
StarterPak (combined cover) |
A value combined product suitable for young people just starting out in health insurance. | |
I want Emergency Ambulance cover | Emergency Ambulance cover | Our Emergency Ambulance cover provides you with 100% cover (up to calendar year limit) for emergency ambulance with state government services*.*Residents of QLD and TAS are covered under their state ambulance scheme. |