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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.

Join Now   Help Me Choose

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.

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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