Health Insurance

Top Hospital (Gold) & Top Extras

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

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Teachers Health

Top Hospital (Gold) & Top Extras

$390.88

Pregnancy and birth covered

Joint replacements covered

Emergency and non-emergency ambulance covered

Optical included

Physio 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
$350.31
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

6 weeks free cover plus waived waits on popular Extras

Get 6 weeks free cover PLUS skip the waits on popular Extras when you join with Hospital & Extras by 4 May 2026. Offer is available to new members who join Teachers Health with Hospital & Extras cover, or StarterPak (Basic Plus) by 4 May 2026. Six weeks' free health cover applies after at least one successful direct debit payment has been received. Two and six month waiting periods are waived on Extras services only. Enter promo code 'SIX' when joining online.

Ending 4 May 2026

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/person1 yr
Root Canal Therapy: $160
General Dental
Unlimited2 mo
Periodic Exam: $40Scale & Clean: $70Fluoride: $27
Major Dental
$1,300/person1 yr
Extraction: $135Full Crown (Veneered): $750
Orthodontic
$2,500/person1 yr
Braces (Upper & Lower): $2500
Optical
$260/person6 mo
Single Vision Lenses: $260Multi-Focal Lenses: $260
Orthoptics
$800/person2 mo
1st visit: $40Next visit: $35
Acupuncture
$600/person2 mo
1st visit: $38Next visit: $38
Chinese Herbal Medicine
$600/person2 mo
1st visit: $38Next visit: $38
Chiropractic
$480/person2 mo
1st visit: $55Next visit: $40
Exercise Physiology
$800/person2 mo
1st visit: $55Next visit: $40
Occupational Therapy
$500/person2 mo
1st visit: $70Next visit: $44
Osteopathy
$480/person2 mo
1st visit: $55Next visit: $40
Physiotherapy
$800/person2 mo
1st visit: $55Next visit: $40
Psychology
$600/person2 mo
1st visit: $100Next visit: $72
Remedial Massage
$600/person2 mo
1st visit: $38Next visit: $38
Speech Therapy
$600/person2 mo
1st visit: $80Next visit: $45
Antenatal/Postnatal
$300/person2 mo
Initial: $300
Audiology
Unlimited2 mo
1st visit: $45Next visit: $45
Dietetics
$400/person2 mo
1st visit: $60Next visit: $40
Hearing Aids
$1,200/person1 yr
Hearing Aid: $600
Home Nursing
$800/person2 mo
1st visit: $95Next visit: $33
Orthotics
$200/person2 mo
Orthotics: $100
Podiatry
$400/person2 mo
1st visit: $55Next visit: $40
Glucose Monitor
$160/person2 mo
Glucose Monitor: $160
Health Management
$250/person6 mo
Health Management: $250
Non-PBS Pharmaceuticals
$800/person2 mo
Prescription: $60
Vaccinations
$800/person2 mo
Vaccination: $60
Teachers Health logo

Teachers Health

Top Hospital (Gold) & Top Extras

$390.88

Pregnancy and birth covered

Joint replacements covered

Emergency and non-emergency ambulance covered

Optical included

Physio included

Excess

Extras claim back

100%

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