TUH Health Fund (QTU)
TUH is a not-for-profit fund, established in Queensland in 1972 by the Queensland Teachers Union. Our profits go back to members in benefits and services, not to shareholders. We care about our members and work to improve the quality of their lives.
TUH Health Fund provide further information regarding:
Agreement Hospitals
This fund has agreements with some private hospitals or day surgeries to provide services at low or no out-of-pocket costs. You can see Agreement Hospitals for this insurer and further details are available from the insurer.
Business Structure
This insurer is a mutual organisation that operates on a not-for-profit basis.
TUH Health Fund operates in all states and territories.
TUH Health Fund polices are sold under a number of different brands, including:
- Union Health
Membership restrictions
Membership is open to past and present members of any union and family members of eligible people, whether the eligible person is a TUH member or not. Please contact us if you are in any doubt as to your eligibility.
Performance
This table compares this health insurer's performance on a range of factors. Some of this information has previously been published in the Private Health Insurance Ombudsman's State of the Health Funds report, available from the Ombudsman's website (www.ombudsman.gov.au). Please note information is not provided for some insurers in some states, as there are insufficient numbers reported for states in which the insurer does not have a large membership.
| Ombudsman complaints compared to market share | ||
|---|---|---|
| All complaints | 0.1% | 0.6% market share |
| Investigated complaints | 0% | |
| Health Insurer Retention and Finances | Industry result | |
|---|---|---|
| Member retention (hospital cover) | 90.6% | 86.5% |
| Benefits as % of contributions | 82.6% | 81.1% |
| Management expenses % of contribution income | 9.3% | 10.8% |
| Management expenses per average policy | $474 | $413 |
| Coverage | ACT | NSW | VIC | QLD | SA | WA | TAS | NT | Australia |
|---|---|---|---|---|---|---|---|---|---|
| Hospital Related Charges Covered | 89.9% | 89.6% | 89.3% | 90.2% | 89.4% | 94.5% | 93.4% | 94.2% | 90.2% |
| Industry Result | 81.8% | 88.7% | 90.5% | 88.9% | 92.6% | 92.4% | 92.4% | 88.6% | 89.9% |
| Medical Services with No Gaps | 83.3% | 91.4% | 89.4% | 91.9% | 92.7% | 90.3% | 93.1% | 91.6% | 91.8% |
| Industry Result | 75.6% | 89.3% | 87.3% | 87.8% | 89.0% | 88.9% | 91.2% | 86.7% | 88.3% |
| Medical Services with No or Known Gaps | 96.9% | 97.6% | 98.4% | 98.3% | 100% | 97.8% | 99.2% | 97.7% | 98.3% |
| Industry Result | 91.2% | 96.4% | 97.8% | 96.8% | 99.3% | 98.0% | 98.8% | 95.9% | 97.2% |
| General Treatment (extras) Covered | 45.3% | 46.1% | 46.3% | 52.3% | 47.9% | 45.8% | 46.2% | 50.3% | 51.7% |
| Industry Result | 46.4% | 48.4% | 50.5% | 51.4% | 55.2% | 55.9% | 51.8% | 57.7% | 51.1% |
| Private Hospital Agreements | 5 | 98 | 72 | 51 | 19 | 22 | 5 | 2 | - |
| Industry Maximum | 8 | 98 | 72 | 58 | 24 | 24 | 8 | 2 | - |
| Day Hospital Agreements | 8 | 88 | 68 | 47 | 24 | 19 | 6 | 1 | - |
| Industry Maximum | 9 | 104 | 79 | 54 | 30 | 29 | 9 | 2 | - |
Brisbane
QLD 4006