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CUA Health Insurance

Simple health insurance

A life that is healthy is a life that is rich

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 top hospital cover, more benefits for families, and the freedom to choose your healthcare provider.

And when you get health insurance from CUA you can enjoy your first month free*.

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1. Start your quote and click on ‘Apply Now’ 

2. Complete the form

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4. Fill in your details and click ‘Send quote’

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Hospital Cover

Choose your amount of cover

Reminder

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:

  • Default benefits for day surgery accommodation and standard single or shared hospital accommodation in a private hospital
  • Choice of your own doctor and/or specialist. However, does not enable you to avoid the public hospital waiting lists.
  • Approved prostheses benefits such as artificial hips and knees
  • Cover for the difference between the Medicare benefit and Medicare schedule fee or Access Gap Cover agreed fee for doctor/specialist services whilst in hospital.

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 nothing for a hospital admission - apart from $250 if you choose the excess option.

100% Private Hospital Cover includes:

  • Same day surgery
  • Standard single or shared hospital overnight accommodation
  • Operating theatre fees
  • Labour ward
  • Intensive care charges

As well as:

  • Choice of your own doctor and/or specialist
  • Approved prostheses benefits such as artificial hips and knees

And full cover as a private patient in a public hospital for accommodation, operating theatre, labour ward and intensive care.

Did you know...

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

  • $250 excess payable upon admission to hospital
  • Excess does not apply to day surgery or dependants and the excess is only payable once per person per calendar year
  • Choice of your own doctor and/or specialist
  • Approved prostheses benefits such as artificial hips and knees
  • Full cover as a private patient in a public hospital for accommodation, operating theatre, labour ward and intensive care

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:

  • Same day surgery
  • Standard single or shared hospital overnight accommodation
  • Operating theatre fees
  • Labour ward
  • Intensive care charges

As well as:

  • Choice of your own doctor and/or specialist
  • Approved prostheses benefits such as artificial hips and knees

And full cover as a private patient in a public hospital for accommodation, operating theatre, labour ward and intensive care.

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:

  • Same day surgery
  • Standard single or shared hospital overnight accommodation
  • Operating theatre fees
  • Labour ward
  • Intensive care charges

As well as:

  • Choice of your own doctor and/or specialist
  • Approved prostheses benefits such as artificial hips and knees

And full cover as a private patient in a public hospital for accommodation, operating theatre, labour ward and intensive care.

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:

  • Same day surgery
  • Standard single or shared hospital overnight accommodation
  • Operating theatre fees
  • Labour ward
  • Intensive care charges

As well as:

  • Choice of your own doctor and/or specialist
  • Approved prostheses benefits such as artificial hips and knees

And full cover as a private patient in a public hospital for accommodation, operating theatre, labour ward and intensive care.

Waiting periods

When you take out health insurance for the first time, switch insurers or increase your cover, CUA Health ask 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. If you are switching from another insurer please read Switching is Simple.

Accident cover no waiting
Obstetrics-related condition 12 months
Pre-existing condition 12 months
Psychiatric care, rehabilitation or palliative care (even if the condition is pre-existing) 2 months
All other hospital benefits 2 months
We will waive waiting periods for newborns providing they are added to a single Parent or Family policy from date of birth.

Change your mind?

If you change your mind and want to cancel within 30 days, CUA Health will cancel your policy and refund any payments you’ve already made provided you haven’t made a claim.

What’s not covered

  • In some cases your doctor’s and\or specialists’ (radiology, anesthetist, 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 (i.e. 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 where 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.
  • Cosmetic surgery and non-surgical cosmetic procedures, as one aspect of plastic and re-constructive surgery, are not recognised by Medicare and so CUA Health does not pay benefits for these procedures or the hospital costs associated with them.
  • Some plastic and re-constructive surgery is deemed to be medically necessary, and where this is the case the doctor will be able to use a Medicare Benefits Schedule (MBS) item number for the procedure, which means that Medicare and CUA Health can pay the usual benefits.
  • 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 by your health insurance and you’ll need to pay this yourself.
  • Services able to be claimed by way of compensation or damages. CUA 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

More on your hospital benefits

Obstetrics - related conditions

For CUA Health this refers specifically to hospital admissions for the birth of a child and does not include cover for non-admitted check-ups and treatment.

IVF and other assisted reproductive services aren't automatically covered, the treatments have several steps and only the component which involves an admission to hospital can be cover under private health insurance. Please contact us before undergoing any treatment to understand what you will be covered for.

Gastric banding and all obesity-related treatments

A 12-month waiting period will apply to gastric banding surgery and all other obesity-related treatments if your condition is considered pre-existing in the opinion of a medical practitioner appointed by CUA Health (having regard for the information provided by your treating medical practitioner).

We're here to help - please contact us prior to any treatment so you fully understand what you're covered for.

Pre-existing conditions

A pre-existing condition is one where signs or symptoms of your ailment, illness or condition existed anytime during the six months before the day you purchased your hospital insurance or upgraded to a higher level of Hospital Cover.

In a case where we need to look into a pre-existing condition, we’ll have your information reviewed by a doctor appointed by us to determine if your ailment, illness or condition is pre-existing. The doctor we appoint will consider any information regarding signs and symptoms provided by your previous doctor(s).

We may apply a special waiting period to new customers of private hospital insurance who have pre-existing conditions. This waiting period also applies to existing policy holders who have recently upgraded their level of hospital cover.

If your ailment, illness or condition is considered pre-existing:

  • We’ll ask new policy holders to wait 12 months for any hospital claims. However for psychiatric care, rehabilitation or palliative care, you will only need to wait a maximum period of 2 months (even if the condition is pre-existing).
  • Policy holders transferring or upgrading to a higher hospital level will be asked to wait 12 months before making a claim at the higher hospital level.

If you have upgraded your cover, you'll be covered under your previous level of cover until you have served waiting periods for the new level.

General conditions
  • Your regular health insurance premiums can be paid up to 12 months in advance if you wish.
  • If your premiums are two or more months behind, we’re sorry but we’ll have to cancel your policy with us.
  • Our family policies provide cover for the policy holder, their partner and any dependant children/young adults until their 23rd birthday. Full-time student dependants are covered up until they turn 25.
  • Claims are paid in line with CUA Health fund rules and they cannot exceed the cost of any service. However we will not make any payments for claims if your policy is in arrears.
  • All your claims will be paid within 2 years from the date the service was provided.
  • You may not contribute to similar products with more than one private health insurer.
  • Your health cover does not pay benefits for products, services or treatments purchased from or provided by practitioners overseas, whether you buy them in person, by mail or ordered online.
  • Benefits are not paid for services provided by a family member.
  • Benefits are not payable if you’re entitled to make a claim by way of compensation or damages.

Upgrading your cover

If you have upgraded your cover with us or transferred to a higher level of cover from another private health insurer, benefits will be paid under your previous cover until the waiting periods for your higher level of cover is served.

Suspension of your cover

While we wish you a safe trip we’re unable to pay for any services received while overseas. Policy holders may apply to put their policy on hold for periods of two weeks to 36 months while overseas. We may ask you to provide travel documents to confirm your dates of travel to ensure your policy starts again once you set foot back in the country.

Payments in arrears

If you get too far behind in your payments (two months or more) your policy will automatically be cancelled. If this happens full waiting periods will apply if you decide to re-join.

Extras Cover

Extras cover

CUA Health's Extras Cover is comprehensive and easy to understand.

There are two options you can choose from - Gold and Silver Extras. Both cover the full range of treatments such as optical, dental, physio and remedial therapy. The only difference is the amount you pay in your premium and the amount you can claim when you use these services. Simple!

Silver extras Gold extras
Maximum Annual LimitsMaximum Annual Limits
Dental Expand formore info
General Dental Combined $1,0002 No annual limit
Endontic (e.g root canal services) $500
Major dental (e.g. crowns, bridges, dentures) & orthodontics^ Combined $2,000
Orthodontics $520 Sub-Limit
$1,250
Lifetime limit per person for orthodontics $1,500 $2,500
Kids receive additional general dental benefits to help reduce or eliminate the cost of dental care. For routine dental services (e.g. comprehensive oral examination – item 012, scaling/cleaning – item 114 and fluoride – item 121) there will be no gap payable up to a total value of $250 per visit, for two visits per year.
The benefit is within the general dental annual limits and available to dependant children up to age 23 or 25 if full-time students.
2This limit is a combined limit.
^Sub-limit for orthodontics applies.
Lifetime limit - If you are transferring from another health insurer where you have reached your 'Maximum Benefit Limit' or 'Lifetime Limit' entitlement for specialist dental services you will be required to serve a 12 month waiting period before you can claim with us.
Show dental benefit examples
Comprehensive oral examination - item 012 $26 $35
X-rays - item 022 to 037 $21 - $72 $25 - $84
Scaling/cleaning - item 114 $52 $70
Fluoride application - item 121 $18 $22
Simple estraction - item 311 $83 $100
Filling/s (1-5 surfaces) - items 511 to 535 $59-$131 $84 - $177
Root canal (one canal) - items 415 & 417 $279 $371
Approved, fitted mouth guard - item 151 $78 $94
Crown - item 615 $760 $974
Bridge work (pre unit) - item 643 $593 $755
Single denture - item 711 $571 $667
Full dentures - item 719 $999 $1,166
Optical $230 $300
Calendar year limit per person $230 $300
Frames, lenses, tinting, repairs, contact lenses - items available by prescription only 100% up to limit 100% up to limit
Show optical benefit examples
Luxottica (OPSM, Laubman & Pank, Budget)
Frames separate
Off the normal retail price for all frames purchased at retail stores. Excluding luxury brands in Luxottica's sole discretion from time to time.
21% Discount
Lenses separate
Off the normal retail price for all frames purchased at retail stores
21% Discount
Complete set of frames & lenses
Off the normal retail price for all frames purchased at retail stores. Excluding luxury brands in Luxottica's sole discretion from time to time.
21% Discount
Contact lenses
Off the normal retail price for all contact lenses purchased at retails stores.
15% Discount
Specsavers
Frames and lenses
Only available from the $149 and above range purchased at retail stores. No discount on two pair deals or complete glasses with less than $149 value.
25% Discount
Optical lens extra
Includes Suntint & UV filter, polaroid lenses, transition lenses, driving tints, Drivewear lenses, Thin & Light lenses.
20% Discount
Contact Lens assesment, fitting and trial Free
Eye test
Bulk billed to Medicare plus free Digital Retinal Photography
Free
Eyebenefit
Lenses
Spectacle lenses only
15% Discount
Frames and lenses
For one pair of complete spectacles
20% Discount
Contact lenses 10% Discount
VSP Global
Lenses and lens add-pns
all in store contact lenses15% discount
all lens add-ons20% discount
Choice of frames and lens packages available at discounted prices in store
Physiotherapy
First year $440 $600
Second year $490 $650
After second year $540 $700
Initial visits (Max. 3 per calendar year) $34 $50
Subsequent visits $29 $33
Ante-natal/post-natal classes $13 $19
Extended home treatment $30 $41
Home & hospital visits $28 $32
Group therapy: Hydrotherapy or Pilates group sessions conducted by a physiotherapist $8 $9
Alternative therapies $500 $800
Calendar year limit per family/couple/single parent policies $500 $800
Calendar year limit per person $250 $400
Chiropractic, osteopathic, acupuncture, homeopathic & naturopathic services
Initial visits - Initial visits are limited to a maximum of 3 per calendar year combined for all Alternative therapies $33 $45
Subsequent visits $23 $27
Bowen therapy, remedial therapy, kinesiology, reflexology and aromatherapy per visit $23 $27
Chiropractic x-ray $58 $70
* Benefits for multiple consultations are payable only where services are provided with at least a two hour time differential between each consultation.
Occupational therapy, speech therapy, dietician, clinical psychology, orthoptic (eye) therapy, Exercise physiology.$250$500
Orthoptic (eye) therapy Each visit $42 $86
Clinical psychology
Initial visits# $67 $85
Subsequent visits $53 $62
Group classes $30 $40
Occupational therapy
Initial visits# $50 $59
Subsequent visits $32 $38
Speech therapy
Initial visits# $68 $80
Subsequent visits $33 $38
Dietician
Initial visits# $43 $51
Subsequent visits $25 $29
Exercise physiology $40 $45
Exercise physiology - Group Sessions $8 $9
# Initial visits are limited to a maximum of 3 per calendar year combined for all “other services” types.
Hearing aids $620 $1,300
Hearing aid repairs 60% 70%
Replacements for hearing aids are payable every three years.
Pharmacy $300 $600
Cover for items prescribed or provided by a medical practitioner, excluding:
  • Pharmaceutical Benefit Scheme (PBS) scripts
  • items normally available without doctor's prescription
  • contraceptives unless prescribed specifically for the treatment of an illness (a letter of referral required annually)
You pay an amount equivalent to the PBS contribution (eg. $37.70 as at 1 January 2015) and we pay up to $25 $50
Podiatry and orthotics $400 $600
Initial visits $31 $36
Subsequent visits $25 $29
Foot surgery performed by Australian Government accredited podiatrists 60% up to limit 80% up to limit
Podiatry related aids1 (including custom-made orthotics) 60% up to limit 80% up to limit
1No benefit is payable on pre-made and/or customised items
Health management aids and appliances $400 $600
Aids
Custom made braces
Non-surgically implanted prostheses
Compression stockings, mastectomy bras, wigs
Appliances
Nebuliser
Blood glucose monitor
CPAP pump^, CPAP mask^^
TENS machine
Peak flow meter
Blood pressure monitors
Circulation booster
60% up to limit 80% up to limit
Benefits for replacements of approved appliances can only be paid 3 years from the date of previous supply.
Benefits are payable for custom made braces. No benefit is payable on pre-made and/or customised items
Benefits for compression stockings or circulation boosters are payable for chemotherapy or lymphedema, venous stasis or major surgery.
A letter from a medical provider may be required for payment of wigs, compression stockings or circulation boosters.
Benefits for wigs are payable from approved providers for chemotherapy or alopecia only.
A recognised ‘sleep studies’ programme must have been undertaken for a CPAP pump.
Replacements for full CPAP masks are payable every 12 months from the date of previous supply. Benefits are not payable toward CPAP mask and CPAP pump components.
Benefits are only paid on purchases from companies with registered Australian Business Numbers (ABNs).
Health management programs $200 $200
You can claim for:
The following approved health management programs that are intended to prevent or improve a specific health condition:
- Stress management, quitting smoking, weight control
- Health screening services
Family/Single Parent/Couples 60% up to limit 80% up to limit
You cannot claim for:
- Any sport club membership or sporting equipment, gym memberships, footwear and clothing
- Services where Medicare benefit is payable
- Medical examinations for, but not limited to employment and insurance purposes.
Claims for health management program benefits must include:
- A tax invoice from the program provider
- A report or referral from a healthcare professional confirming the condition the program is treating
- Details of the program including type of program, location and duration.
Ambulance transport 100% 100%
For residents of all states, except Queensland and Tasmania, benefits are payable for emergency ambulance transport costs occurring anywhere within Australia (including aerial ambulance) or where the use of an ambulance is directed by a hospital or medical practitioner due to the seriousness of a policy holder's medical condition. State government ambulance transport schemes operate in Queensland and Tasmania. 100% 100%
Mammograms $65 $100
Benefits towards mammograms where not Medicare rebatable $65 $100
Travel expenses - $200
Family no benefit $200
Claimable when a hospital admission for a policy holder or dependant covered by the policy outside your usual place of residence is required and the return trip distance is greater than 400km. A tax invoice that includes the service provider's Australian Business Number must be submitted with any claim.
Waiting periods

When you take out health insurance for the first time, or increase your cover, CUA Health ask 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. If you are switching from another insurer please read Switching is Simple.

Ambulance no waiting
General Dental
Physiotherapy
Alternative therapies
Pharmaceutical
Podiatry
Orthoptic (eye) therapy
Clinical Psychology
Occupational Therapy
Speech therapy
Dietician
Exercise physiology
All other services
2 months
Optical
Health management programs
6 months
Major dental (eg. veneers, crowns and bridges, dentures, wisdom teeth, periodontics, orthodontics, endodontics)
Hearing aids
Health management aids and appliances
Podiatry-related aids
Orthotics
12 months

Change your mind?

If you change your mind and want to cancel within 30 days, CUA Health will cancel your policy and refund any payments you’ve already made provided you haven’t made a claim.

General conditions

General conditions

  • Your regular health insurance premiums can be paid up to 12 months in advance if you wish.
  • If your premiums are two or more months behind, we’re sorry but we’ll have to cancel your policy with us.
  • Our family policies provide cover for the policy holder, their partner and any dependant children/young adults until their 23rd birthday. Full-time student dependants are covered up until they turn 25.
  • Claims are paid in line with CUA Health fund rules and they cannot exceed the cost of any service. However we will not make any payments for claims if your policy is in arrears.
  • All your claims will be paid within 2 years from the date the service was provided.
  • You may not contribute to similar products with more than one private health insurer.
  • Your health cover does not pay benefits for products, services or treatments purchased from or provided by practitioners overseas, whether you buy them in person, by mail or ordered online.
  • Benefits are not paid for services provided by a family member.
  • Benefits are not payable if you’re entitled to make a claim by way of compensation or damages.

Upgrading your cover

If you have upgraded your cover with us or transferred to a higher level of cover from another private health insurer, benefits will be paid under your previous cover until the waiting periods for your higher level of cover is served.

Suspension of your cover

While we wish you a safe trip we’re unable to pay for any services received while overseas. Policy holders may apply to put their policy on hold for periods of two weeks to 36 months while overseas. We may ask you to provide travel documents to confirm your dates of travel to

ensure your policy starts again once you set foot back in the country.

Payments in arrears

If you get too far behind in your payments (two months or more) your policy will automatically be cancelled. If this happens full waiting periods will apply if you decide to re-join.

Join today

Join CUA today

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.

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Get a quick quote

Before you join please read the information provided below, just so we’re upfront.

Benefits of health insurance

Benefits of health insurance

We think that a life that is healthy is a life that is rich.

So we’ve put our 40 years of experience into creating health insurance that offers more to help you protect the ones you love.

Here’s how:

Budget-friendly top hospital cover

We offer the peace of mind of top cover with premium options to match your budget.

This is because all our private hospital products offer top cover, so you’re covered for all medically-necessary treatment. The difference between our products is how much excess or co-payment you pay.

Here’s how it works.

If you choose our 'no excess' 100% Private Hospital Cover, you’ll get top hospital cover and if you need hospital treatment you’ll pay no excess or co-payment for your hospital admission.

If you choose our 75% Private Hospital Cover, you’ll get top hospital cover and if you need hospital treatment you’ll pay 25% of your hospital admission up to $1000 per person, per year.

With both of these options you get top hospital cover, and you can choose to pay either a higher premium or a higher excess or co-payment – whatever suits your needs.

View our full range of hospital products

More benefits for families

CUA Health Insurance offers a number of features specially designed to help you care for your family.

You’ll pay no excess or co-payment for your kids’ hospital admission.

And your kids are covered on family policies until they’re 23 years old, or until 25 years old if they’re a full time student.

The freedom to choose your healthcare provider

Many other health insurance providers will only pay claims, or pay reduced claims, unless you visit their preferred provider.

With CUA Health Extras Cover, you’ll be treated by your preferred healthcare professional. You’re not restricted by a network of preferred providers so you can choose when and where you’re treated, and the healthcare provider you see.

Further benefits and reasons to choose CUA Health

Online and mobile claiming

You can use our Online Services portal to submit most Extras claims, check your Extras benefits balance, check specific details about your CUA Health Insurance cover, and manage your policy and personal details.

And if you’re on the go, you can still claim on Extras anytime and anywhere with our CUA Health Mobile Claiming app.

Discounts for home loan customers

Because we’re part of CUA, CUA Rate Breaker Home Loan customers can get one month free on their CUA Health Insurance premium each year1.

Find out more

1 One month free premium on CUA Health insurance is applied in August each year.

Finding the right Hospital and Extras Cover doesn’t need to be complicated. After all, who wants to spend time reading between the lines of health insurance offers? Make the switch to CUA Health today and take advantage of our simple approach to health cover.

With comprehensive health insurance with no exclusions, we’ve got you covered.

Simply choose the level of Hospital and the Extras Cover that meets your needs (and your budget) and get a quote.

With 4 & 5 star CANNEX ratings on CUA Health's Hospital Cover, you’ll be surprised at how affordable better cover can be.

Things to think about when switching

Do I have to re-serve my waiting periods?

When you switch, CUA Health will basically pick up where your other insurer left off. Naturally if you’re switching to a higher level of cover or you haven’t fully served your waiting periods, you'll be asked to serve these before you can start making claims.

Do I have to tell my old health insurer?

Breaking up is hard so to keep it simple, CUA Health will contact your previous health insurer to get a clearance certificate and let them down easy.

Get a quick quote