Teachers Health (NTF)
Teachers Health is dedicated to the health and wellbeing of individuals in the education community as well as their immediate family. Unlike non-industry and ‘for-profit’ health funds, we exist for our members which means any surplus generated is invested back into the Fund and its services.
Teachers Health 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.
Teachers Health operates in the following states, the Australian Capital Territory, New South Wales, Northern Territory, Queensland, South Australia, Tasmania, Victoria and Western Australia
Teachers Health policies are sold under a number of different brands, including:
- Nurses & Midwives Health
- UniHealth
Membership restrictions
Teachers Health is the only health fund exclusively for members of the education community and their families. Membership is open to current and former members of education unions, including current and former primary, secondary and tertiary teachers, teachers’ aides, lecturers and support and administration staff from public, private and independent institutions around Australia. In addition to this, family members of eligible members are also able to join Teachers Health. Please contact the fund for more information.
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 | 2.3% | 2.6% market share |
| Investigated complaints | 4.4% | |
| Health Insurer Retention and Finances | Industry result | |
|---|---|---|
| Member retention (hospital cover) | 96.8% | 86.5% |
| Benefits as % of contributions | 86.0% | 81.1% |
| Management expenses % of contribution income | 9.3% | 10.8% |
| Management expenses per average policy | $449 | $413 |
| Coverage | ACT | NSW | VIC | QLD | SA | WA | TAS | NT | Australia |
|---|---|---|---|---|---|---|---|---|---|
| Hospital Related Charges Covered | 85.5% | 90.4% | 90.8% | 90.2% | 91.7% | 90.8% | 93.7% | 90.9% | 90.5% |
| 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 | 83.2% | 90.7% | 89.1% | 90.7% | 88.9% | 89.1% | 92.2% | 90.2% | 90.3% |
| 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 | 94.5% | 97.3% | 98.4% | 98.0% | 99.4% | 97.9% | 99.0% | 96.3% | 97.6% |
| Industry Result | 91.2% | 96.4% | 97.8% | 96.8% | 99.3% | 98.0% | 98.8% | 95.9% | 97.2% |
| General Treatment (extras) Covered | 39.6% | 44.5% | 43.5% | 45.4% | 47.9% | 46.9% | 43.6% | 43.5% | 44.6% |
| Industry Result | 46.4% | 48.4% | 50.5% | 51.4% | 55.2% | 55.9% | 51.8% | 57.7% | 51.1% |
| Private Hospital Agreements | 5 | 97 | 72 | 51 | 20 | 22 | 5 | 2 | - |
| Industry Maximum | 8 | 98 | 72 | 58 | 24 | 24 | 8 | 2 | - |
| Day Hospital Agreements | 8 | 86 | 68 | 46 | 25 | 19 | 6 | 1 | - |
| Industry Maximum | 9 | 104 | 79 | 54 | 30 | 29 | 9 | 2 | - |
Sydney
NSW 2000