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    Benefits of joining

    Australia boasts a good public health system, which is run by the government through Medicare. As an Australian resident, you can be treated in a public hospital, by hospital-appointed doctors for free. However, the public system has its limitations, and this is where private health insurance proves its true value.

    If any of the following reasons for taking out private health insurance mean a lot to you, then perhaps it is time you considered joining Teachers Health Fund:


    • Peace of mind

      Just like your car or home insurance, private health insurance provides you with peace of mind knowing that you are covered “just in case” you require medical treatment. You will also have peace of mind knowing that you have options and control over when and where you are treated.

    • Access

      While you can access public hospitals under Medicare, you can’t control when or where you are treated. Teachers Health Fund provides access to an extensive range of private hospitals and same day surgeries through our Agreement Private Hospital network, so that you can get into hospital faster.

    • Choice

      You wouldn’t let just anyone service your car, so why would you let just any doctor manage your health? Our private hospital products not only give you a choice of private hospitals, but also give you the ability to choose your own doctor or specialist.

    • Avoiding public hospital waiting lists

      The most recent research* indicates that public patients wait an average of 97 days before being admitted to a public hospital for elective surgery or treatment, while private patients are usually admitted within the month. So, if you want to receive treatment up to three times faster and take control of your health, then take a look at our range of private Hospital covers.

    • Tax

      If you are single and earn more than $84,000 a year or a couple/family earning more than $168,000 per year,  you will have to pay more tax if you don’t have private hospital cover. This is called the Medicare levy surcharge.

    • Lifetime Health Cover

      You don’t have to be old to get sick unexpectedly, or to have an injury that requires hospital treatment. The government know this too, which is why they add a loading to your private health insurance contributions for each year you delay taking out hospital cover after your 31st birthday. So it is better to get in early, so that you don’t end up paying more for it later.

    • Facilities

      If you have ever been admitted to a public hospital, you will know that it can be awkward and uncomfortable sharing a room with strangers when you are trying to recover from an illness or nursing a newborn baby. Most of our private hospital covers give you access to a private room in private hospital, so you can get on with the job of feeling better – without interruption or unnecessary distractions.

    • Ambulance cover and Extras services

      It might come as a surprise to learn that Medicare may not provide cover for Ambulance transportation, or Extras services like optical, dental and physiotherapy. Private health insurance provides you with assistance towards these costs.

    • Free access to health management programs

      HealthMeasures is an online health management tool designed to assist you in improving your overall health and well-being.

    • Great discounts

      Your Teachers Health Fund membership will also provide you with access to a range of great discounts from leading health providers, including AOK Health, Jenny Craig, Jen4Men, Step into Life, and Great Ideas in Nutrition. More.

    • Access to quality Eyecare and Dental services

      As a Teachers Health Fund member, you will receive exclusive discounts at our Health Centres  for Eyecare and Dental services, and great service from trained staff who are experienced in working with teachers.

    • Access to discounted Travel Insurance

      As a Teachers Health Fund member, you can access a great range of travel insurance products.

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    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:

    < 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.