Health Insurance

Switching Health Insurance Providers


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.

The CUA Health difference:

  • 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
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.

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.

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
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.
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?
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.

Choose your Hospital & Extras cover

Find the policy that's right for you - you can choose Hospital cover, Extras cover or a combination of both.

Hospital cover

Top cover
Low cover

Extras cover

Top cover
Low cover

You have selected:


Hospital cover

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).

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.

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.

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 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 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.

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.