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Insurance
1. Choose
Choose the CUA Health cover which best suits your needs and budget using the selection tool below. Choose from Hospital cover, Extras cover or a combination.
Switching to CUA Health is easier than you may think. In fact, we take care of most of the work for you. Here you’ll find what you need to know, and what you need to do.
Step 1
What do I need to know about switching?
If you like the look of CUA Health’s simple approach to health insurance, making the switch from your current provider is easy. Join CUA Health and we’ll break the news to your other provider, cancel your policy and transfer over any served (or partially served) waiting periods to your new policy.
To ensure you’re confident in your decision, CUA Health also offers a 30 day cooling off period. If you change your mind, let us know in writing and we’ll refund any money you’ve paid so long as you haven’t yet made a claim.
- You’ll remain fully eligible for the Medicare Levy Surcharge exemption
- 30 day cooling off period
- Online and mobile claiming
- No excess for kids’ hospital admission
Common questions
What are the tax benefits? Show content
If you do not have a suitable level of hospital cover and earn above the income threshold, you may have to pay the Medicare Levy Surcharge’ of an additional 1% to 1.5% of your income. This is on top of the mandatory 2% you already pay as the ‘Medicare Levy. The good news is, with all CUA Health Hospital cover options, you’ll remain fully eligible for the Medicare Levy Surcharge exemption.
Step 2
What do I need to do?
Switching to CUA Health is as easy as one, two, three.
2. Join
Complete the online join form and let us know the name of your current provider, your membership or policy number.
3. Relax
We’ll then set you up with CUA Health and contact your previous provider on your behalf. Any waiting periods you’ve served on your last policy will be applied to your new CUA Health policy.
Quick questions
What are waiting periods? Show content
A waiting period is the amount of time between taking out a health insurance policy and being able to make a claim. The lengths of waiting periods for different treatments vary. If you served part or all of your waiting period at your previous provider, CUA Health will honour it so long as it was for a similar level of cover and was valid within 2 months of joining CUA Health.
What if I change my mind? Show content
If something changes and you decide CUA Health isn’t right for you, write to us within 30 days of your policy start date and any premiums you’ve paid will be refunded in full, provided you haven’t made a claim.
Step 3
What cover is right for me?
If you’ve had health insurance before, you probably have a reasonable idea of what services you use and what you don’t. It’s nice to know that all CUA Health Hospital Cover options satisfy the government requirements to not pay the Medicare Levy Surcharge and Lifetime Health Cover Loading.
If you are increasing your level of cover from your previous policy, you’ll still receive benefits at your previous level of cover until you’ve served the waiting periods of your new policy. If you have any questions, you can take a look at our Health Insurance Frequently Asked Questions. Alternatively you can call us on 1300 499 260 or drop into your local CUA branch.
What's what?
What is an excess? Show content
An excess is an upfront amount that you agree to pay towards the cost of hospital treatment, in exchange for lower premium costs. The excess does not apply to day surgery or dependant children.
Important information
Show content
**Get 4% discount on your CUA Health premium when you pay by direct debit from your CUA transaction account. CUA Health reserves the right to amend or remove the discount and any qualifying criteria at any time. We will always provide you with reasonable notice before exercising this right. Full terms and conditions available at cua.com.au/health-insurance/health-discount.
Credit Union Australia Ltd ABN 44 087 650 959 (CUA) is an authorised deposit-taking institution. Visit cua.com.au/health-insurance/health-discount for more information.
CUA Health Insurance is provided by CUA Health Ltd 98 098 685 459 (CHL) which is not an authorised deposit-taking institution. While CUA Health Insurance may be distributed by Credit Union Australia Ltd ABN 44 087 650 959 (CUA), CUA is not liable for this product and does not stand behind CHL.
