CUA Private Health Insurance Review

CUA Private Health Insurance Review: Fund & Extras

CUA Health was started in 1976 and has been caring for Australians’ health for over 40 years. The fund is part of CUA Group, the largest credit union in Australia. No shareholders means that profits are reinvested into the fund’s services, which is good news for members.

  • CUA Health is part of CUA Group, the largest credit union in Australia.
  • CUA Health is above industry standards for medical services with no gap, and medical services with no or known gap.
  • CUA Health policyholders can enjoy member discounts at a range of optical stores, including OPSM and Specsavers.

CUA Health offers Hospital Cover, Extras Cover, and Packaged Cover. Members can choose their own healthcare provider and can benefit from the Access Gap Cover scheme, which helps reduce or remove out-of-pocket medical expenses.

Hospital Cover

Children are covered on Family or Single Parent cover until they turn 23 (25 if studying full time). There is also no excess for children admitted to hospital. All CUA Health hospital cover plans meet the criteria for avoiding the Medicare Levy Surcharge and Lifetime Health Cover loading.

  • Accident Only Hospital: Minimal cover with a $500 excess. Covers
    accidents and ambulance only.
  • Essential Hospital: Ideal for young, healthy people with hundreds of treatments covered. $500 excess.
  • Standard Hospital: Covers most inpatient hospital treatments. $500 excess.
  • Premium Non-obstetrics: Comprehensive hospital cover for people who aren’t planning to have children. Excludes pregnancy cover, $500 excess.
  • Premium Hospital: Comprehensive top-level hospital cover with no exclusions. Choose from $0, $250, or $500 excess.

Extras Cover

CUA offers three levels of extras cover. Bonus dental checkups are included with some levels of cover.

  • Essential Extras: Limited low-cost cover that complements hospital cover. Covers most common extras services. Includes general dental, optical, physio, and emergency ambulance.
  • Classic Extras: Expanded cover for a wider range of services and larger annual limits. Provides further cover for some natural therapies and wellness services, as well as additional dental benefits.
  • Total Extras: Comprehensive extras cover with high annual limits and benefits. Some annual limits are increased over time and there are additional dental benefits.

Packaged Cover

CUA customers can mix and match hospital and extras cover to create their preferred package. CUA Health has also developed a special package with a unique level of cover.

It’s called Healthy Start Package. This cover is designed for young, fit, healthy people who want good value health cover. It covers essential hospital services and common extras services, along with a Healthy Start Bonus to increase extras benefits.

According to the Private Health Insurance Ombudsman (PIHO), here’s how CUA Health stacks up against other funds in the industry.

  • Hospital Related Charges Covered
    CUA Health is below industry average
  • Medical Services with No Gaps
    CUA Health is above industry average
  • Medical Services with No or Known Gaps
    CUA Health is above industry average
  • General Treatment (Extras) Covered
    CUA Health is below industry average

CUA Health Compared to Industry

Share of Private Health Insurance Ombudsman complaints

Reference: (2017 State of the Health Funds Report)

CUA Health has a good online system for making claims, giving members more flexibility when claiming on a service.

Claiming for extras:

  • Claim on the spot with your CUA Health card when paying for your service
  • Use the CUA Health Mobile Claiming app by taking a photo of your invoice and submitting it
  • Claim through CUA Online Services for the following extras:
    • General dental
    • Optical
    • Physiotherapy
    • Chiropractic
    • Osteopathic
    • Occupational therapy
    • Dietitian
    • Podiatry
    • Speech therapy
    • Exercise physiology
  • Visit a CUA branch and claim in person
  • Claim by fax or mail

Claiming for hospital treatment:

  • If you’re treated in a hospital that participates in CUA Health’s agreement scheme, the bill will be sent straight to CUA.
  • If your doctor participates in the Access Gap cover scheme, the bill will be sent straight to CUA.
  • If your doctor is not part of the Access Gap cover scheme, the bill will be sent to you. You then go to Medicare with the bill to make a claim from them. After that, complete a claim form and send it, along with the Medicare Statement of Benefits, to CUA.

CUA Health Online Services

CUA’s online services portal is a convenient way for members to manage their cover and make claims. Members can register for the service when they join and use it for the following:

  • See detailed policy information
  • Claim most extras online
  • View your extras benefits balance
  • Pay your premium

CUA Health may offer discounts to new members, such as:

  • $200 cashback on a hospital and extras policy plus your first month free.
  • 4% direct debit discount on premium payments when paying from a CUA Everyday Account.

CUA Health policy holders also get the following optical discounts:

OPSM and Laubman & Pank:

  • 20% off normal retail price for lenses and lens add ons
  • 15% off normal retail price for non-prescription sunglasses
  • 10% off normal retail price for contact lenses
  • 5% off online price + free delivery within Australia for contact lenses purchased from OPSM Direct


  • 25% off frames and lenses from the $149 and above range
  • 20% off optional lens extras like Suntint & UV filter or polaroid lenses
  • Free contact lens assessment, fitting and trial
  • Free eye test bulk billed to Medicare


  • 15% off spectacle lenses
  • 20% off frames and lenses for one pair of complete spectacles
  • 10% off contact lenses

VSP Global:

  • 15% off all in-store contact lenses
  • 20% off all lens add-ons

Address: GPO Box 100, Brisbane QLD 4001
Phone for new members: 1300 499 260

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