Hunter Health Insurance (by CDH Benefits Fund)

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About Hunter Health Insurance

What is Hunter Health Insurance?

Hunter Health Insurance (by CDH Benefits Fund) is a private health insurer that operates as an open health fund. 

Background 

It was originally known as Cessnock District Health Benefits Fund (CDH Benefits Fund), which was set up in 1952 to provide coal miners with affordable health insurance. 

CDH Benefits Fund now trades under the brand, Hunter Health Insurance.

Who can join Hunter Health Insurance?

Anyone can join because it is an open health fund. However Hunter Health Insurance focuses on selling its health insurance products to people living in the wider Hunter Valley community.

What products does Hunter Health Insurance offer? 

Hunter Health Insurance offers:

• Hospital Cover
• Extras Cover
• Ambulance Only Cover.

Do Hunter Health Insurance policies include Ambulance Cover?

No. Hunter Health Insurance Hospital and Extras Cover does not include Ambulance Cover. 

It offers Ambulance Only Cover in states and territories where the service is run by the state government:

• ACT
• NSW
• QLD
• TAS.

It does not provide Ambulance Only Cover for:

• NT
• SA
• VIC
• WA.

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Is Hunter Health Insurance a not-for-profit health insurer?

Yes. Hunter Health Insurance is a not-for-profit health insurer.

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Does Hunter Health Insurance operate in all Australian states and territories?

Yes. Hunter Health Insurance operates in all Australian states and territories.

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How does Hunter Health Insurance Hospital Cover compare with other insurers?

Benchmarks	HHI	Industry average
Member retention for Hospital Cover	88.4%	86.9%
% hospital-related charges covered	94.4%	89.9%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report 2023

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Does Hunter Health Insurance have agreements with some private hospitals or day hospitals to provide services at low cost or with no out-of-pocket costs?

Yes. Hunter Health Insurance has agreements with a number of private hospitals so it can provide services to its members at low cost or with no out-of-pocket costs:

Location	Number of private Agreement Hospitals	Industry maximum
ACT	5	6
NSW	78	98
NT	1	2
QLD	47	60
SA	16	23
TAS	9	9
VIC	72	76
WA	18	24

Hunter Health Insurance also has agreements with a number of day hospitals that allow it to provide services at low cost or with no out-of-pocket costs:

Location	Number of day Agreement Hospitals	Industry maximum
ACT	6	9
NSW	50	103
NT	1	2
QLD	35	57
SA	16	30
TAS	8	8
VIC	61	79
WA	12	24

Source: Hunter Health Insurance: performance

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How does Hunter Health Insurance Extras Cover compare with other insurers?

Benchmark	HHI	Industry average
% Extras Cover charges covered	34.6%	51.1%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report 2023

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How does Hunter Health Insurance compare with other private health insurers?

Benchmarks	HHI	Industry average
Market share	<0.1%	–
% services with no gap	83.5%	88.3%
% services with no gap or where known gap payment made	96.1%	97.2%
Market share of complaints to the PHIO	0.0%	3.1%
% complaints investigated by the PHIO	0.0%	3.1%
Benefits as a % of contributions	70.9%	80.5%
Management expenses as a % of contribution income	24.5%	13.1%
Management expenses per average policy	$1,214	$592

Source: Private Health Insurance Ombudsman: State of the Health Funds Report 2023

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Is Hunter Health Insurance a member of any industry associations? 

Yes. Hunter Health Insurance is a member of the Members Health Fund Alliance, an alliance of not-for-profit, member-owned, regional or community-based health insurers.

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Does Hunter Health Insurance let me claim online or via an app?

Yes. Hunter Health Insurance allows you to make a claim via its online portal.

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How to contact Hunter Health Insurance

Phone:

02 4990 1385

Website:

https://www.hunterhi.com.au

Email:

Via online form

Address:

151-153 Vincent Street
CESSNOCK NSW 2325

Postal address:

PO Box 183
CESSNOCK NSW 2325

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