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The CUA Health Mobile Claims app means you only need to upload a photo of your invoice to make a claim.
Find the policy that's right for you - you can choose Hospital cover, Extras cover or a combination of both.
# The quoted price assumes you live in Queensland and you’ll receive 26.791% Australian Government Rebate for Private Health Insurance. Hospital cover prices are based on no Lifetime Health Cover Loading and an excess of $500 per person per calendar year (excluding dependants).
Our private hospital options let you choose the level of cover that best suits your needs and your budget.
Basic Hospital is ideal if you’re healthy and don’t want to pay for what you don’t need. For greater cover, Standard Hospital is a good option, while our top Premium Hospital covers can give you the peace of mind that you and your family are well protected. There’s a choice of excess levels, plus a Premium Hospital – Non-obstetrics cover if pregnancy isn’t on your roadmap.
|Premium Hospital Nil excess||Premium Hospital $250 excess||Premium Hospital $500 excess||Premium Hospital - Non-obstetrics||Standard Hospital||Basic Hospital|
|Pregnancy (including childbirth)||✔||✔||✔||x||x||x|
|IVF & assisted reproduction||✔||✔||✔||x||x||x|
|Gastric banding & obesity-related services||✔
24 month BLP
24 month BLP
24 month BLP
|Cataract & eye lens procedures||✔||✔||✔||✔||x||x|
|Cardiac & related services||✔||✔||✔||✔||✔||x|
|Non-cosmetic plastic surgery||✔||✔||✔||✔||✔||x|
|Accidents after joining||✔||✔||✔||✔||✔||✔|
24 month BLP
24 month BLP
24 month BLP
|Minor gynaecological procedures||✔||✔||✔||✔||✔||✔|
|Removal of appendicitis||✔||✔||✔||✔||✔||✔|
|Removal of tonsils or adenoids||✔||✔||✔||✔||✔||✔|
|Joint arthroscopy & minisectemy||✔||✔||✔||✔||✔||✔|
|All other in-patient treatments receiving medicare benefits||✔||✔||✔||✔||✔||✔|
|Available stand alone?||✔||✔||✔||x||✔||✔|
Benefit Limitation Period (BLP) - Benefits are limited to public hospital rates if treated in a private hospital. If deemed a pre-existing condition, no benefits are payable for the first 12 months, then public hospital rates only for the next 12 months.
Restricted Benefits - Covered in a public hospital with choice of doctor only. If treated in a private hospital, benefits limited to public hospital rates as set by the federal government.
With all our Extras covers, you’re not restricted to a network of preferred providers - so you can choose when and where you’re treated.
Total Extras and Classic Extras offer the same full range of services, including preventative Wellness Benefits to help you stay healthy. What sets them apart is how much you can claim each year. Basic Extras is a great entry-level cover with affordable dental, physio and optical benefits.
|Waiting Period||Total Extras||Classic Extras||Essential Extras|
|General dental||2 months||No Annual limit||$700||$400|
|Major dental||12 months||$1100||$600||x|
(Lifetime limit $2500 )
(Lifetime limit $1500 )
|Non-PBS pharmaceuticals||2 months||$570||$250||$100|
Year 1 - $500
Year 2 - $600
Year 3 - $700
Year 1 - $400
Year 2 - $450
Year 3 - $500
Up to $800 per family
Sublimit $250 per service group
Up to $500 per family
Sublimit $150 per service group
Up to $200 per family
|Naturopathy & homeopathy|
|Remedial massage and other therapies|
|Dietetics & nutrition|
|Health aids & appliances||12 months||
80% of cost (sub limit apply for some appliances)
60% of cost (sub limit apply for some appliances)
|Ambulance transport||1 day||100%||100%||100%|
(E.g. Quit Smoking, Health Subscriptions etc. Sublimits apply
Year 1 - $250
Year 2 - $325
Year 3 - $400
Year 1 - $100
Year 2 - $150
Year 3 - $200
|Available stand alone?||-||Yes||Yes||No|
When you take out health insurance for the first time, switch insurers or increase your level of cover, CUA Health asks that you wait a period of time before you can claim for new or higher benefits. Take a look at the table below to find out what waiting periods apply.
With our private hospital cover you can be treated as a private patient in a private or public hospital. CUA Health has agreements with the majority of private hospitals and day surgeries where you will receive benefits for your hospital accommodation, including:
Please contact us prior to any hospital admission to make sure your hospital is in agreement with CUA Health.
Simply choose the cover that’s right for you. If you’re transferring from another provider, be sure to have your policy details handy and we’ll look after all the paperwork for you.Join now
If you have any questions about your health cover, 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.
*First month free is offered only to new policy holders who join via CUA directly and cannot be used in conjunction with any other offer.
Please read the information carefully and retain for your future reference. If you join CUA Health, confirmation of your cover and policy information will be sent to you. If you change your mind CUA Health provides a cooling off period of 30 days from the start date of your policy. For more information including Code of Conduct and Complaints resolution refer to information for policy holders.
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.
It’s important to know that we only pay a benefit for services performed by private practitioners in a private practice, provided their associations and services are recognised by us. If you’re unsure if the provider you have selected, or service you require is covered under your policy, please contact CUA Health for confirmation. The items, limits and benefits are provided as a general guide only. Please call us if any further information is required. Calendar year limits cover the period 1 January to 31 December each year.
When changing health insurers, Extras benefits paid by your old health fund will be counted towards your annual limits in your first year of membership with us.
During the first 24 months from joining and after waiting periods have been served, benefits paid for these treatments will be limited to the same amount you would receive in a public hospital for the same treatment. After 24 months from joining you will be eligible for the full benefits under the policy.
The medical charge is the cost for any services performed by doctors or specialists. This includes, but is not limited to – surgeons, anaesthetists, pathologists and assistant surgeons. Medicare sets an amount payable toward the medical costs, called the Medicare schedule fee. Medicare pays 75% of the schedule fee and CUA Health pays the remaining 25%. If the doctor or specialist chooses to charge above the schedule fee, then the difference is paid by you, unless your doctor or specialist chooses to participate in CUA Health’s Access gap cover scheme – see below for more info.
The Access Gap Cover Scheme will reduce or in some instances eliminate your out-of-pocket expenses for specialist care you receive while in hospital.
Doctors and specialists electing to participate in the Access Gap Cover Scheme can bill CUA Health directly. So, not only does your hospital treatment cost you less, but the billing system is made easier for you too.
Access to a complete list of doctors and specialists participating in the Access Gap Cover Scheme is available here. If your doctor or specialist chooses to use the Scheme, you will either:
Your doctor or specialist may choose to use the Scheme on a patient-by-patient basis. Of course, whether or not your doctor or specialist participates in the Access Gap Cover Scheme will not change the relationship you have with him or her, or affect the treatment you receive.
Excess: An upfront amount that you agree to pay towards the cost of hospital treatment, in exchange for lower premiums. For example, if you have Premium Hospital cover with $250 excess, and require hospital treatment you’ll pay $250 per person, per calendar year. This does not apply to dependants listed on the policy.
CUA Health has agreements with the majority of private hospitals and day surgeries. If your hospital or day surgery doesn’t have an agreement with CUA Health, you may be subject to large out-of-pocket expenses, in addition to any excess or co-payment. Please check with your hospital prior to admission. Access to a complete list of agreement hospitals is available here.