Teachers Health

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About Teachers Health

What is Teachers Health?

Teachers Health is a private health insurer that operates as a restricted health fund. 

Background

Teachers Health was established in 1954 by the NSW Teachers Federation to provide affordable private health insurance to teachers and other people working in education and their families. It initially had 2,600 members. 

Today, it is Australia’s largest industry-based health fund and has over 400,000 members around the country.

Who can join Teachers Health?

You can join Teachers Health if you are:

• a teacher working in a primary, secondary or tertiary education
• an administrative and support staff member working in primary, secondary or tertiary education.
• a family member of one of the above, which includes:
  • current or former spouses or partners
  • dependent children
  • adult children, their partners and dependent children
  • siblings, their partners and dependent children
  • parents
  • grandchildren

What products does Teachers Health offer?

Teachers Health offers:

• Hospital Cover
• Extras Cover
• Combined Hospital and Extras Cover
• Ambulance Only Cover.

Do Teachers Health policies include Ambulance Cover?

Teachers Health includes emergency Ambulance Cover with:

• Hospital Cover
• Extras Cover
• Combined Hospital and Extras Cover.

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Is Teachers Health a not-for-profit health insurer?

Yes. Teachers Health is a not-for-profit health insurer.

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Does Teachers Health operate in all Australian states and territories?

Yes. Teachers Health operates in all Australian states and territories.

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Does Teachers Health sell health insurance policies under other brands?

Yes. Teachers Health policies are sold under 2 brands:

• Nurses & Midwives Health
• UniHealth.

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How does Teachers Health Hospital Cover compare with other insurers?

Benchmarks	Teachers Health	Industry average
Member retention for Hospital Cover	96.8%	86.9%
% hospital-related charges covered	90.5%	89.9%

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

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

Yes. Teachers Health has agreements with a number of private hospitals that allow it to 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	98	98
NT	1	2
QLD	51	60
SA	20	23
TAS	5	9
VIC	75	76
WA	22	24

Teachers Health also has agreements with a number of day hospitals so it can provide services at low cost or with no out-of-pocket costs:

Location	Number of day Agreement Hospitals	Industry maximum
ACT	8	9
NSW	86	103
NT	2	2
QLD	47	57
SA	25	30
TAS	6	8
VIC	70	79
WA	19	24

Source: Teachers Health: performance

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How does Teachers Health Extras Cover compare with other insurers?

Benchmark	Teachers Health	Industry average
% Extras Cover charges covered	44.6%	51.1%

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

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How does Teachers Health compare with other private health insurers?

Benchmarks	Teachers Health	Industry average
Market share	2.6%	–
% services with no gap	90.3%	88.3%
% services with no gap or where known gap payment made	97.6%	97.2%
Market share of complaints to the PHIO	2.3%	3.1%
% complaints investigated by the PHIO	4.4%	3.1%
Benefits as a % of contributions	86.0%	80.5%
Management expenses as a % of contribution income	9.3%	13.1%
Management expenses per average policy	$449	$592

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

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Is Teachers Health a member of any industry organisations?

Teachers Health is a member of Private Healthcare Australia (PHA), a body that represents 20 registered health insurers and 97% of people covered by private health insurance. 

It is also 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 Teachers Health let me claim online or via an app?

Yes. Teachers Health allows you to make a claim online by logging into Online Member Services or using the Teachers Health mobile app.

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How to contact Teachers Health

Phone:

1300 727 538

Website:

https://www.teachershealth.com.au/

Email:

info@teachershealth.com.au

Address:

Level 4
260 Elizabeth Street
SYDNEY NSW 2000

Postal address:

GPO Box 9812
SYDNEY NSW 2001

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