Icon

Health Insurance

 

Hospital Cover

CUA Health Private Hospital cover options 75% and above are all top level, meaning you'll be covered for all clinically relevant treatment. The only difference is the co-payment or excess amount you’ll pay when you are admitted to hospital. If you want basic cover that still allows you to be fully eligible for the Medicare Levy Surcharge exemption, you can choose our 65% or Public option.

Cover options

100%90%75%65%Public
See Hospital Cover in detail

Extras Cover (Optional)

Both CUA Health Gold and Silver Extras cover the same, full range of extras such as dental, optical and physio. What sets them apart is how much you can claim for each visit and the total amount you can claim each year. Have a look at the list of benefits covered under Extras and think about how often you use them. Our Extras cover options are only available when purchased with a Hospital cover product.

Cover options

GoldSilver
See Extras Cover in detail

Find the best cover for you

I am a Single living in the state of QLD eligible for a Full (27.82%) rebate.

To get a customised quote answer these simple questions.

I am a
I have had continuous cover since July 1st 2015
Not sure what this means?
My partner has had continuous cover since July 1st 2015
Not sure what this means?
Our combined annual income (before tax) is
This value affects your government rebate
or
I want cover for
&

Hospital Cover

Extras Cover

  • Dental 2 & 12 months
    • Calendar year limit per person Waiting period:
    • General dental Waiting period: 2 months
    • Endodontics
      (e.g. root canal services)
      Waiting period: 12 months
    • Major dental
      (e.g. crowns, bridges, dentures, veneers, periodontics) & orthodontics^
      Waiting period: 12 months
    • Orthodontics Waiting period: 12 months
    • Lifetime limit per person for orthodontics Waiting period:
  • Optical 6 months
    • Calendar year limit per person Waiting period:
    • Frames, lenses, tinting, repairs, contact lenses - items available by prescription only Waiting period: 6 months
  • Physiotherapy 2 months
    • Calendar year limit per person Waiting period:
    • First year Waiting period: 2 months
    • Second year Waiting period: 2 months
    • After second year Waiting period: 2 months
    • Initial visits (max. 3 per calendar year) Waiting period: 2 months
    • Subsequent visits Waiting period: 2 months
    • Extended home treatment Waiting period: 2 months
    • Home & hospital visits Waiting period: 2 months
    • Group therapy (Hydrotherapy or Pilates Group sessions conducted by a Physiotherapist) Waiting period: 2 months
  • Chiropractic & Osteopathic 2 months
    • Calendar year limit per person Waiting period:
    • First year Waiting period: 2 months
    • Second year Waiting period: 2 months
    • After second year Waiting period: 2 months
    • Calendar year limit per family/couple/single parent policies Waiting period:
    • First year Waiting period: 2 months
    • Second year Waiting period: 2 months
    • After second year Waiting period: 2 months
    • Initial visits (max. 3 per calendar year) Waiting period: 2 months
    • Subsequent visits Waiting period: 2 months
    • Chiropractic X-ray Waiting period: 2 months
  • Alternative therapies 2 months
    • Calendar year limit per person Waiting period: 2 months
    • Calendar year limit per family /couple/single parent policies Waiting period: 2 months
    • Acupuncture, homeopathic & naturopathic services
    • Bowen therapy, remedial therapy, kinesiology, reflexology and aromatherapy per visit Waiting period: 2 months
    • Initial visits - Initial visit are limited to a maximum of 3 per calendar year combined for all Alternative therapies types Waiting period: 2 months
    • Subsequent visits Waiting period: 2 months
  • Other services 2 months
    • Calendar year limit per person Waiting period:
    • Orthoptic (eye) therapy each visit Waiting period: 2 months
    • Clinical psychology
    • Initial visits Waiting period: 2 months
    • Subsequent visits Waiting period: 2 months
    • Group classes Waiting period: 2 months
    • Occupational therapy
    • Initial visits Waiting period: 2 months
    • Subsequent visits Waiting period: 2 months
    • Speech therapy
    • Initial visits Waiting period: 2 months
    • Subsequent visits Waiting period: 2 months
    • Dietitian and Nutrionist
    • Initial visits Waiting period: 2 months
    • Subsequent visits Waiting period: 2 months
    • Exercise physiology
    • Exercise physiology Waiting period: 2 months
    • Exercise physiology - group sessions Waiting period: 2 months
  • Hearing aids 24 months
    • Hearing aid benefit payable per person in a 5 year period Waiting period: 24 months
    • Hearing aid repairs Waiting period: 24 months
  • Pharmaceutical 2 months
    • Calendar year limit per person Waiting period:
    • You pay an amount equivalent to the PBS contribution (eg. $38.30 as at 1 January 2016) and we pay up to Waiting period: 2 months
  • Podiatry & Orthotics 2 & 12 months
    • Calendar year limit per person Waiting period:
    • Initial visits Waiting period: 2 months
    • Subsequent visits Waiting period: 2 months
    • Foot surgery performed by an Australian Government accredited podiatrists Waiting period: 2 months
    • Podiatry related aids Waiting period: 12 months
  • Health management aids and appliances 12 months
    • Calendar year limit per person Waiting period:
    • Aids
    • Non-surgically implanted prostheses, Custom-made braces, Compression stockings, mastectomy bras, wigs Waiting period: 12 months
    • Appliances
    • Nebuliser, Blood glucose monitor, CPAP pump, CPAP mask, TENS machine, Peak flow meter, Blood pressure monitors, Circulation booster Waiting period: 12 months
  • Health management programs 6 months
    • Health management programs Waiting period:
    • Calendar year limit per person Waiting period:
    • First year Waiting period: 6 months
    • Second year Waiting period: 6 months
    • After second year Waiting period: 6 months
    • Calendar year limit per family/couple/single parent policies Waiting period:
    • First year Waiting period: 6 months
    • Second year Waiting period: 6 months
    • After second year Waiting period: 6 months
  • Ambulance transport No waiting
    • Ambulance transport Waiting period: No waiting
  • Mammograms 2 months
    • Calendar year limit per person Waiting period:
    • Benefits towards mammograms when not covered by the Medicare rebate Waiting period: 2 months
  • Travel expenses 2 months
    • Single cover Waiting period: 2 months
    • Family/Single Parents/Couple Cover Waiting period: 2 months
Easy online and mobile claims icon

Easy online and mobile claims Show content

The CUA Health Mobile Claims app means you only need to upload a photo of your invoice to make a claim. If it’s under $300, it will be assessed immediately.

Extra dental for kids icon

Extra dental for kids Show content

Kids receive additional general dental benefits for routine dental services on Extras cover policies. No gap up to a total value of $250 per visit for two visits a year.

Talk to us in person icon

Talk to us in person Show content

Have a question about your CUA Health insurance and want to speak to us in person? Easy! We’re part of CUA, so just drop into your local branch for a chat.

Kids are covered until they’re 23 icon

Kids are covered until they’re 23 Show content

Your kids are covered on your Family or Single Parent cover until they turn 23 (or 25 if studying fulltime). There’s no excess or co-payment if your child is admitted to hospital.

Choose your healthcare provider icon

Choose your healthcare provider Show content

Enjoy the freedom of choosing your preferred healthcare provider.

Discounts for home loan customers icon

Discounts for home loan customers Show content

CUA Rate Breaker Home Loan customers get one month free on their CUA Health insurance each year.

This Comparison Table shows the Private Health Cover Comparison for Top Hospital cover only for two adults and dependent(s) in your selected state. Similar information about private health policies is also available from the Private Health Insurance Ombudsman website at privatehealth.gov.au and the various health fund websites.

Providers

  • Category
  • Premium* (per month)
  • Excess/Co-payments
  • Level of cover hospital (per Private Health Insurance Ombudsman definition)

Coverage

  • Accommodation
  • Cardiac & related services
  • Cataract and eye lens procedures
  • Pregnancy and birth related services
  • Assisted reproductive services
  • Joint replacement (incl. revisions)
  • Dialysis for chronic renal failure
  • Gastric banding and related services
  • Sterilisation
  • Non-cosmetic plastic surgery
  • Rehabilitation
  • Psychiatric services
  • Palliative care
CUA Health CUA Health Medibank Private NIB BUPA
Private Hospital 75% Private Hospital 90% Top Hospital $500 Excess Top Hospital $500 Excess Top Hospital Cover - $500 Excess - Family
Two adults & dependant(s) Two adults & dependant(s) Two adults & dependant(s) Two adults & dependant(s) Two adults & dependant(s)
$231.93 $231.93 $246.76 $246.76 $240.58 $246.76 $246.76 $203.57 $278.69 $278.69 $296.40 $296.40 $288.98 $296.40 $296.40 $244.55 $261.75 $261.75 $138.85 $286.50 $261.75 $279.85 $294.90 $228.50 $303.01 $303.01 $230.60 $323.41 $250.85 $282.60 $332.47 $248.48 $254.45 $254.45 $133.15 $272.90 $237.30 $270.50 $285.30 $209.20
25% contribution, capped at $1,000 per person per calendar year 10% contribution, capped at $500 per person per calendar year $500 per person and $1,000 per policy per calendar year $500 per person and $1,000 per policy per calendar year $500 per person per calendar year and $1,000 per policy per calendar year
Top Top Top Top Top
Private patient - Private or Public Private patient - Private or Public Private patient - Private or Public Private patient - Private or Public Private patient - Private or Public
Available Available Available Available Available
Available Available Available Available Available
Available Available Available Available Available
Available Available Available Available Available
BLP-24^
(Hip & knee only)
BLP-24^
(Hip & knee only)
Available Available Available
Available Available Available Available Available
BLP-24^ BLP-24^ Available Available Available
Available Available Available Available Available
Available Available Available Available Available
Available Available Available Available Available
BLP-24^ BLP-24^ Available BLP-12# Available
Available Available Available Available Available

TOP - Private Hospital Cover Show more

Must cover all services where Medicare pays a benefit.

Excludes or restricts one or more of the following but includes any services in the basic classification: Pregnancy and birth related services, Assisted reproductive services, Cataract and eye lens procedures, Joint replacements i.e. shoulder, knee, hip and elbow including revisions, Hip and knee replacements, Hip replacements, Dialysis for chronic renal failure and Sterilisation.

Excludes or restricts one or more of the following: Cardiac and cardiac related services, Non-cosmetic plastic surgery, Rehabilitation, Psychiatric services, Palliative care.

Covers default benefits for treatment in public hospital only.


* Premium based on 26.790% government rebate and assumes no Lifetime Health Cover loading
^ For the first 24 months from joining, benefit is limited to public hospital rates.
# For the first 12 months from joining, benefit is limited to public hospital rates.

The Comparison Table is not intended to be a comprehensive comparison of all available products or all product features. While we endeavour to include a number of the more important features the information may not be accurate, complete or up to date, for a wide range of reasons. You should not purchase any policy based only on the Comparison Table and policy documentation should be reviewed in detail prior to the purchase of any policy. Information in the Comparison Table is sourced from the health fund websites and is current as at 27 June 2016.

Hospital policies help cover the cost of in-hospital treatment by your doctor and hospital costs such as accommodation and theatre fees. Generally, any medical services listed under the Medicare Benefits Schedule (MBS) can be covered on some form of private hospital insurance. Some services which are not listed on the MBS, such as elective cosmetic surgery or laser eye surgery, are only covered by private hospital insurance to a limited extent or not at all.

Hospital cover (Level of cover)

Hospital policies fall into four general categories (Top, Medium, Basic, Public). The classifications are based on the services that are shown as covered, excluded or restricted on standard information statements.

Canstar award for...

CANSTAR’s Outstanding Value

Award for Hospital Cover in Queensland 2015


First month free*
Join CUA Health and get your first month free*.
Join now

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.

No waiting

Accident cover
For CUA Health an accident is an unforeseen and sudden event occurring by chance and caused by an external force or object, resulting in an involuntary bodily injury requiring immediate treatment from a medical practitioner. It does not include any condition that can be attributed to medical causes.

2 months

Psychiatric care, rehabilitation or palliative care (including where the condition is pre-existing)

All other hospital treatments

12 months

Pre-existing conditions
A pre-existing condition is one where signs or symptoms of your ailment, illness or condition – in the opinion of a medical practitioner appointed by us – existed at any time during the six months ending on the day on which you purchased your hospital cover or upgraded to a higher level of hospital cover

Obstetrics-related conditions

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:

  • accommodation for overnight or same-day stays
  • standard single or share hospital accommodation
  • operating theatre, intensive care and ward fees
  • surgically implanted prostheses up to the approved benefits in the Government’s Prostheses List
  • your choice of doctor or specialist

Please contact us prior to any hospital admission to make sure your hospital is in agreement with CUA Health.

  • Hospital treatment for which Medicare pays no benefit, like cosmetic surgery.
  • In some cases your doctor’s and/or specialists’ (radiologist, anaesthetist etc) fees may still be more than the Medicare benefit plus the CUA Health gap scheme so you may be required to make an additional payment. Please check this with your doctor before consultation or treatment.
  • Gap payments may apply to certain prostheses (e.g. hip and knee joint replacements, artificial heart valves, pacemaker devices and intra-ocular lenses for cataract surgery).
  • Any items of a personal nature, including TV rental or phone calls while in hospital that are not part of the agreed medical costs.
  • You’ll need to pay any additional costs that are applied to any 'nursing home-type' patient admission into a public or private hospital. This amount is determined by the Federal Government.
  • Experimental and some high cost or exceptional drugs.
  • Services not invoiced by the hospital.
  • If you go to an emergency room and are not admitted but the hospital still charges you for your visit, this charge is not covered and you’ll need to pay this yourself.
  • Services able to be claimed by way of compensation or damages. CUA Health reserves the right to a full and immediate reimbursement of any claims covered by way of compensation or damages from another party.
  • Services provided by a family member.
  • Any treatment considered an outpatient service, e.g. Radium.
  • Benefits for products, services or treatments purchased from or provided by practitioners overseas, whether you buy them in person, by mail order or online.
  • Benefits in relation to sport, recreation or entertainment unless they are part of an approved chronic disease management or a health management program.
  • Benefits for treatment, goods or services if false or misleading information is provided.
  • Extras cover services for which a Medicare benefits is payable, except as allowable as hospital substitute treatment.
  • Treatment, goods or services provided during a waiting period.

See full Terms & Conditions below

Ready to join?

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

Have a few questions?

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.

Important information Show content

* 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.

Benefit limitation periods

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.

Public Hospital cover

If you choose our Public Hospital cover, benefits will be limited to public hospital rates. You have the option to select you own doctor or specialist, however, public hospital waiting lists still apply. This product is not designed to be used in a private hospital as large out-of-pockets expenses may apply.

Medical costs

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.

Access gap cover scheme

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:

  • have no out-of-pocket expenses, or
  • be provided with an estimate of out-of-pocket expenses before your treatment

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 and Co-payment

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 100% Private Hospital Cover with $250 excess, if you require hospital treatment you’ll pay $250 per person, per calendar year. This does not apply to day surgery or dependants listed on the policy.

Co-payment: A percentage amount that you agree to pay towards the cost of hospital treatment, in exchange for lower premiums. For example, if you choose the 90% Private Hospital Cover, you would need to pay 10% of the hospital charge, capped at a fixed amount of $500 per person, per calendar year. CUA Health would then pay the remaining hospital charge. ^ Not payable for dependant children up to 23 years old or 25 if full-time student.

Agreement hospitals

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.

Important information Important information Show content

CLEARANCE AUTHORISATION - Please authorise CUA Health to cancel your membership with your previous fund and to obtain your Clearance Certificate by clicking the authorisation box below. This authority allows CUA health to cancel your present insurer's coverage and for the 'Clearance Certificate' to be forwarded directly to CUA Health. PLEASE NOTE if you have an arrangement with a financial institution or with your employer whereby regular payments covering your premium are automatically made to your present insurer, you will need to cancel this arrangement yourself. If you don't authorise you will need to contact your current health insurer to cancel your cover and obtain a Clearance Certificate. If you don't provide CUA Health with your Clearance Certificate your application will be treated as if you are taking health insurance for the first time.