Health Insurance

Top Hospital (Gold) & Top Extras

Compare 36 Teachers Health policies. Prices shown for: Single, NSW, Age 30, $500 excess.

UnionHealth logo

UnionHealth

Top Hospital (Gold) & Top Extras

$239.43

Pregnancy and birth covered

Joint replacements covered

Back, neck and spine covered

Emergency and non-emergency ambulance covered

Optical included

Excess

Extras claim back

100%

Why this cover

Hospital Cover
  • Heart & Vascular
  • Brain & Nervous System
  • Eye (Not Cataracts)
  • Cataracts
Extras Cover
  • Dental
  • Optical
  • Physiotherapy
  • Chiropractic
Pricing & Value
Monthly premium from
$215.56
Excess
$0 – $500
Health Centres benefit
100% back
Hospital tier
Gold
Average Service Record1.14× average complaint rate · July–September 2025Source: Private Health Insurance Ombudsman (PHIO) Quarterly Report, July–September 2025

Inclusions

Waiting periods recognised

Change your mind within 30 days

We do all the paperwork for you

Bonus up to $150 Active Health Bonus

Take out combined Hospital and Extras Cover and get rewarded with a bonus up to $150 to use on the Extras you choose. The Active Health Bonus is only available on combined hospital and extras cover, excluding Basic Extras.

Hospital Cover

38 covered0 not covered
CoveredRestrictedNot Covered
Heart & Vascular
Brain & Nervous System
Eye (Not Cataracts)
Cataracts
Ear, Nose & Throat
Back, Neck & Spine

Extras Cover

27 covered0 not covered
Health Centres Advantage100% back on up to two dental check-ups per year at a Health Centres dentist
Endodontic
$1,300/policy1 yr
Root Canal Therapy: $160
General Dental
Unlimited2 mo
Periodic Exam: $40Scale & Clean: $70Fluoride: $27
Major Dental
$1,300/policy1 yr
Extraction: $135Full Crown (Veneered): $750
Orthodontic
$2,500/policy1 yr
Braces (Upper & Lower): $2500
Optical
$260/policy6 mo
Single Vision Lenses: $260Multi-Focal Lenses: $260
Orthoptics
$800/policy2 mo
1st visit: $40Next visit: $35
Acupuncture
$600/policy2 mo
1st visit: $38Next visit: $38
Chinese Herbal Medicine
$600/policy2 mo
1st visit: $38Next visit: $38
Chiropractic
$480/policy2 mo
1st visit: $55Next visit: $40
Exercise Physiology
$800/policy2 mo
1st visit: $55Next visit: $40
Occupational Therapy
$500/policy2 mo
1st visit: $70Next visit: $44
Osteopathy
$480/policy2 mo
1st visit: $55Next visit: $40
Physiotherapy
$800/policy2 mo
1st visit: $55Next visit: $40
Psychology
$600/policy2 mo
1st visit: $100Next visit: $72
Remedial Massage
$600/policy2 mo
1st visit: $38Next visit: $38
Speech Therapy
$600/policy2 mo
1st visit: $80Next visit: $45
Antenatal/Postnatal
$300/policy2 mo
Initial: $300
Audiology
Unlimited2 mo
1st visit: $45Next visit: $45
Dietetics
$400/policy2 mo
1st visit: $60Next visit: $40
Hearing Aids
$1,200/policy1 yr
Hearing Aid: $600
Home Nursing
$800/policy2 mo
1st visit: $95Next visit: $33
Orthotics
$200/policy2 mo
Orthotics: $100
Podiatry
$400/policy2 mo
1st visit: $55Next visit: $40
Glucose Monitor
$160/policy2 mo
Glucose Monitor: $160
Health Management
$250/policy6 mo
Health Management: $250
Non-PBS Pharmaceuticals
$800/policy2 mo
Prescription: $60
Vaccinations
$800/policy2 mo
Vaccination: $60
UnionHealth logo

UnionHealth

Top Hospital (Gold) & Top Extras

$239.43

Pregnancy and birth covered

Joint replacements covered

Back, neck and spine covered

Emergency and non-emergency ambulance covered

Optical included

Excess

Extras claim back

100%

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