What you can get with our Hospital Cover
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 & meniscectomy||✔||✔||✔||✔||✔||✔|
|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.
Choose your hospital and extras cover
# 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).
Why choose CUA Hospital Cover?
No excess for kid’s hospital admissions
If you hold a Family or Single Parent policy, your kids are covered up until they turn 23 (or 25 if studying fulltime). If they’re admitted to hospital, the excess will be waived.
Avoid paying extra tax
All CUA Health Hospital Cover options meet the government criteria to avoid paying the Medicare Levy Surcharge or Lifetime Health Cover loading.
Talk to us in person
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.
Access Gap Cover Scheme
The CUA Health Access Gap Cover Scheme helps to reduce or eliminate your out-of-pocket expenses for hospital treatment and takes the paperwork off your hands.
Waiting periods and pre-existing conditions Show content
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.
What is covered? Show content
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.
What is not covered? Show content
- 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.
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 available only to new policy holders who join via Credit Union Australia Limited. ABN: 44 087 650 959 (CUA) directly.
^New policy holders who purchase a CUA Health combined hospital and extras policy between 20 March 2017 and 30 June 2017 will receive a $100 EFTPOS Gift Card. Click here for offer terms and conditions.
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.
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: 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.