Teachers Health Insurance

Teachers Health Insurance

Teachers Health is a provider of health, life, car, home and contents, landlord and travel insurance. Teachers Health says it is the only health fund exclusively for the education community and their families.

What’s on offer from Teachers Health? 

Teachers Health offers hospital cover, extras cover, combined hospital and extras cover, and emergency ambulance cover. Teachers Health says its policies can be tailored to singles, couples, families and single parent families.

At the time of writing, Teachers Health offers the following hospital policies:

  • Top Hospital (Gold) – Teachers Health’s most comprehensive hospital policy that covers all clinical categories with no exclusions or restrictions. Coverage includes pregnancy, heart procedures and hip or knee joint replacements.
  • Mid Classic (Silver Plus) – covers a wide range of clinical categories including heart and vascular and joint reconstructions. Also covers additional services such as pregnancy and birth and joint replacements and allows you to choose between two excesses.
  • Mid Hospital (Basic Plus) – covers all clinical categories, with some such as heart and vascular and pregnancy and birth covered on a restricted basis. Also allows you to choose between two excesses.
  • Basic Hospital (Basic Plus) – covers treatment by a doctor of your choice in a public hospital (with a few services in a private hospital). Includes cover or restricted cover for all clinical categories except insulin pumps.

Find out more about the tiered Gold, Silver, Bronze and Basic hospital cover categories and the different clinical categories.

Teachers Health also offers the following extras policies:

  • Top Extras – covers a wide range of extras including unlimited general dental as well as benefits such as optical, chiropractic, physiotherapy, occupational therapy and hearing aids.
  • Essential Extras – coverage includes dental, optical, chiropractic and physiotherapy.

Teachers Health says you can combine these extras policies with its hospital covers. Teachers Health also offers a specific combined cover product, StarterPak Basic Plus, which combines a range of hospital and extras services.

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Before taking out a health insurance policy, you may first want to compare your options with Canstar. Please note that Canstar does not currently compare Teachers Health Insurance.

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To be eligible to join, Teachers Health says you must be a member of the education community or a family member of an eligible member.

If you are eligible to join and decide to take out a health insurance policy with Teachers Health, you can get a quote on its website or over the phone.

You can use Teachers Health’s Online Member Services portal to access your health insurance policy details at any time. Teachers Health says you can also track your health cover, get information, make changes to your policy and those covered, and claim for a range of services online.

Teachers Health also has an app which is available through the Apple and Google stores. On this app you can claim for extras services, review your claims history, check remaining annual benefits, view your cover details and submit documents and forms.

Teachers Health’s Top Extras, Essential Extras and StarterPak (Basic Plus) policies include cover for general dental and major dental. Additionally, all of Teachers Health’s hospital policies offer cover for dental surgery.

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Once you’ve received medical treatment or made a purchase covered by your policy, the next step is to make a claim.

There are several ways you can lodge a claim with Teachers Health. If you are claiming for extras you can do so:

  • On-the-spot: You can use your Teachers Health membership card to claim on the spot provided your health care provider uses the HICAPS system. This will process your claim automatically.
  • Mobile app: You can download the Teachers Health app through the Apple or Google store, take a photo of your official receipt and submit your claim through the app.
  • Online: You can make a claim online for a range of extras services through the online members area. Teachers Health says the benefits will be transferred to your nominated bank account within three working days.
  • Submit a claim form: Teachers Health says you can submit a completed claim form and your invoice or receipt to it by post, in person or via email.

If you are claiming for hospital services, Teachers Health says you will need to pay any excess payments directly to the hospital. It says the hospital will generally bill the remainder of your account directly to Teachers Health. For more information on hospital claims visit the Teachers Health website.

At the time of writing, Teachers Health does not offer Overseas Student Health Cover (OSHC). If you are an international student coming to Australia on a study visa, you can compare OSHC policies available in Australia with Canstar:

Compare OSHC Health Insurance

At the time of writing, Teachers Health does not offer Working Visa Health Cover (OVHC). However, if you’re on an overseas visa and are from a country with a reciprocal healthcare agreement, you could be eligible for one of Teachers Health’s policies.

Compare OVHC policies on Canstar’s website:

Compare Working Visa Health Cover

Teachers Health was established in 1954 by the NSW Teachers Federation to provide cost-effective private health insurance for those in the education industry and their families. Since then, Teachers Health has grown to insure over 330,000 teachers, education staff and their families around Australia. Teachers Health is a not-for-profit and says it is Australia’s largest industry-based health fund.

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Written by: Tamika Seeto | Last updated: June 21, 2019