CUA Health Insurance

Important Information

By purchasing CUA Health insurance, you acknowledge and agree to the following:

Your personal information

Information such as your State of residence, age and income thresholds affect the premium and the application of the Australian Government Rebate and Lifetime Health Cover loading. You agree that the information you have provided about yourself and your family members covered under the policy are correct.

From time to time, we may need to make changes to your cover. Before we do, we’ll generally write to you so it’s also important that you keep your contact details updated with us. Unless you request otherwise, we’ll generally contact you via the email address you nominate when you first join CUA Health.

What’s covered

The benefits we pay under your policy is determined under our Fund Rules, which are summarised in our Product Summary for the cover you’ve selected together with our Member Guide. You acknowledge that you are aware of and understand the relevant conditions (including any restricted or excluded services, and limits) which apply to your chosen cover.

If you have an Extras policy, switching health insurers or your cover will not re-set your annual limits for the calendar year.

Waiting periods

If you’re new to private health insurance or you’re upgrading your cover (including reducing any Excess payable under your policy) then waiting periods may apply. Different waiting periods apply for different services. Refer to our Product Summary and Member Guide for full details.

30 day cooling off period

If you decide that the cover you’ve chosen isn’t right for you, you have 30 days from your policy start date to cancel your policy and we’ll give you a full refund, as long as you haven’t made any claims.

4% discount

To qualify for the 4% discount, you must pay your premiums by direct debit from a Great Southern Bank transaction account. We may amend or remove the discount and any qualifying criteria at any time, but we will always provide you with reasonable notice before doing so. Full terms and conditions available at


We collect information about you and your family members covered under your policy so we can set up and administer your private health insurance policy. Without this information we can't provide you with our products. You can find more information on how we manage your personal information in our CUA Group Privacy Policy. This Policy includes information on how to access and correct your information, how to complain (and how we handle complaints), and who we disclose your personal information to (including overseas disclosures). If you need further information, please let us know.

About CUA Health

CUA Health Ltd 98 098 685 459 (CUA Health), a wholly owned subsidiary of Credit Union Australia Ltd ABN 44 087 650 959 (CUA). CUA Health is not an authorised deposit-taking institution, and the purchase of CUA Health insurance does not represent deposits with CUA. CUA is not liable for this product and does not stand behind CHL.