Protect the ones you love and save money on your home loan
Simply get a CUA Health insurance 'email quote' to be in the draw to win $5,000 paid off your CUA Home Loan*.
CUA Health has been helping Australians care for their family since 1976. We’ve put 40 years of experience into creating health insurance that offers more to help you care for the ones you love - with budget-friendly Hospital and Extras cover, more benefits for families, and the freedom to choose your healthcare provider.
CUA Health was recently awarded CANSTAR's Outstanding Value award for our Hospital Cover in Queensland for 2015. Speak to us today to learn more about our award winning health insurance.
Choose your amount of cover
Dont forget to update Start your Quote on the right to get a quote!
Public Hospital Cover
Covers private treatment in a public hospital only. No excess or co-payment is payable by you.
100% Public Hospital Cover includes:
This product is not designed for use in a private hospital, as large out-of-pocket expenses may apply.
100% Private Hospital Cover
You’ll pay no excess or co-payment - apart from $250 if you choose the excess option.
100% Private Hospital Cover includes:
As well as:
By choosing 100% Private Hospital Cover with $250 excess, you have the same comprehensive cover with a lower regular payment and a maximum excess of $250 per person per calendar year for hospital visits.
100% Private Hospital Cover with $250 excess also includes
90% Private Hospital Cover
You only pay 10% of a hospital admission capped at $500 per person per calendar year. Not payable by dependant children.
90% Private Hospital Cover includes:
As well as:
75% Private Hospital Cover
You only pay 25% of a hospital admission capped at $1,000 per person per calendar year. Not payable by dependant children.
75% Private Hospital Cover includes:
As well as:
65% Private Hospital Cover
You only pay 35% of a hospital admission capped at $1,000 per person per admission. Not payable by dependant children.
65% Private Hospital Cover includes:
As well as:
Why join us?
We think it’s important to have health insurance you know you can rely on when you need it. Don’t you? That’s why CUA Health's Cover is simple to understand, provides great value and gives you peace of mind should the unexpected happen. It’s even easy to join.
Isn’t it time you chose a better health cover for you and your family?
Follow these simple steps to join today.
Don’t get caught out by the Medicare levy surcharge (MLS) at tax time. Not having health insurance when you’re in a higher income bracket could actually cost you more than you think when it comes to your tax return.
Not sure what the Medicare levy surcharge is?
The Medicare levy surcharge (MLS) is a surcharge on individuals and families on higher incomes who don’t have eligible Private Hospital Cover.
The surcharge is calculated at the rate of 1%-1.5% of your income and applies to singles earning over $90,000 or a combined family income over $180,000 as shown in the table below. If you’re a single person earning $100,000, paying an additional 1.25% would cost an extra $1,500 per year in tax.
This is based on an Australian resident with no spouse or dependents and incorporates the tax free threshold. Taxation information is indicative only. Contact the Australian Tax Office or your accountant for information regarding your personal circumstances.
|Singles||Families||Medicare Levy Surcharge|
|Under $90,000||Under $180,000||0%|
|$90,001 - $105,000||$180,001 - $210,000||1%|
|$105,001 - $140,000||$210,001 - $280,000||1.25%|
|Over $140,001||Over $280,001||1.5%|
Naturally, all the hospital policies offered by CUA protect you from the Medicare Levy Surcharge.
You can calculate your income for the Medicare levy surcharge and work out how much the surcharge will cost you using the Medicare Levy calculator.
Another way to avoid the Medicare surcharge without the cost of Private Hospital Cover is to choose the CUA Health Public Hospital 100% option. To find out more contact us on 1300 499 260.