TUH

What TUH does

TUH (Teachers Union Health Fund), legally Teachers Federation Health Limited, is a not-for-profit, member-owned private health insurer founded in 1972 by Queensland teachers. Following the 1 July 2025 merger with Teachers Health Group, the combined entity serves nearly 500,000 members across Australia and ranks as the country's 6th largest private health fund, with the company positioning itself as the only private health insurer dedicated exclusively to the education community. Customer acquisition is community-led through 40+ union partnerships (Queensland Teachers' Union, AEU, IEU, QIEC Super) and supplemented by direct-to-consumer digital channels.

The product portfolio spans four hospital cover tiers (Basic+, Bronze+, Silver+ Family/No Pregnancy/Essentials, and Gold), six extras tiers (Basic through Comprehensive), and bundled packages (e.g., Bronze+ Young Choice). The digital member experience is delivered via a mobile app (iOS/Android) with HICAPS QR-code claiming, photo-based Easy Claim, same-day Fast Claim, in-app benefit calculator, digital membership card, and a web member portal. Back-end integration with HICAPS and the Australian Health Service Alliance (AHSA) provides access to 480+ private hospitals nationally. Wellness engagement is driven by the annual Health-e-Profile assessment, which unlocks the Active Health Bonus rewards program ($20-$300 annually). A new menopause support benefit through UnPause telehealth (launched 2026) extends the product surface into specialised women's health services.

Revenue is generated through recurring subscription premiums that vary by coverage tier, family composition, member age, government rebate eligibility, Lifetime Health Cover loading, and excess selection. The go-to-market blends union-channel referrals with self-service digital acquisition (online quote tool, app, contact centre at 1300 360 701) and community events (stakeholder breakfasts, education awards sponsorships). Customer segments include teachers, education staff and families, nurses/midwives/carers, young/new union members, and student dependants up to age 32. The company employs 101-250 staff and is headquartered at 438 St Pauls Terrace, Fortitude Valley, Queensland.

Name

TUH

Legal name

Teachers Federation Health Limited

Website

https://tuh.com.au

Company type

Private

Founded year

1972

Operating status

Operating

Headcount range

101–250 employees

Short description

TUH is a not-for-profit, member-owned Australian private health insurer founded in 1972 by Queensland teachers, serving nearly 500,000 education and healthcare community members nationally following its July 2025 merger with Teachers Health Group.

Ownership category

akta.pro rank

Product category

Private Health Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Health and Welfare Funds (525120), Insurance and Employee Benefit Funds (5251)

SIC

Accident & Health Insurance (6321), Hospital & Medical Service Plans (6324)

akta.pro primary industry

Taft-Hartley / Union Multiemployer Group Health Plans (FSAIAFAG)

akta.pro secondary industry

Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)

Keywords

• Private health insurance
• Hospital cover
• Extras cover
• Member-owned health fund
• Education community insurance

Headquarters

HQ city

Fassifern Valley

HQ country

Australia

HQ region

Oceania

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Health Insurance Premiums: TUH generates revenue through private health insurance premiums charged to members. Premiums are paid on a subscription basis (monthly or annual) and vary based on coverage level (Basic+, Bronze+, Silver+, Gold Hospital), policy type (Single, Couple, Family, Single Parent), age, income-based government rebates, Lifetime Health Cover loading, and excess selections.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

TUH is a not-for-profit private health insurer that underwrites hospital cover (Basic+, Bronze+, Silver+ Family/No Pregnancy/Essentials, Gold) and extras cover (Basic, Mid Range, Healthy Options, Everyday, Family, Comprehensive) for individual members and families in Australia's education community. Members access these covers through monthly subscription premiums and can manage their policies, submit claims, and receive benefits via the TUH mobile app, web member portal, and HICAPS-integrated provider network.

Product overview

TUH (Teachers Union Health Fund) is a not-for-profit private health insurer founded in 1972 for the Queensland education community. The product portfolio consists of hospital cover products (Basic+, Bronze+, Silver+, Gold tiers), standalone extras cover products (Basic, Mid Range, Healthy Options, Everyday, Family, Comprehensive), and combined packaged products (Bronze+ Young Choice). Hospital covers range from entry-level Basic+ to comprehensive Gold Hospital, with tiers following the Australian government classification system (Gold/Silver/Bronze/Basic) with '+' denoting extended coverage beyond minimum requirements. Gold Hospital is only available bundled with an Extras product. The digital member experience is delivered through the TUH Mobile App (with HICAPS QR code claiming) and Member Portal, while wellness engagement is supported through the Health-e-Profile assessment and Active Health Bonus reward program. In 2025, TUH merged with Teachers Health Group to form Australia's largest health fund dedicated to the education community, serving nearly 500,000 members nationally.

Differentiator

Problem solved

Functional benefit

Products and services

• Basic+ Hospital Entry-level hospital cover providing access to private hospital treatment with the basic tier of clinical categories as mandated by the Australian government.
• Bronze+ Hospital Bronze-tier hospital cover with extended clinical categories beyond the minimum Bronze requirements, denoted with plus (+) indicating additional coverage.
• Silver+ Hospital Essentials Silver-tier hospital cover with essential clinical categories and extended coverage beyond the standard Silver minimum.
• Silver+ No Pregnancy Hospital Silver-tier hospital cover excluding pregnancy and birth-related services, suitable for members who do not require maternity cover.
• Silver+ Family Hospital Silver-tier hospital cover designed for families, including coverage for pregnancy and birth-related services after the 9-month waiting period.
• Gold Hospital Top-tier hospital cover covering all clinical categories including psychiatric, rehabilitation, palliative care, and all Bronze, Silver and Gold services. Only available in conjunction with an Extras product.
• Basic Extras Entry-level extras cover providing benefits for basic health services not covered by Medicare, such as general dental and select allied health services.
• Mid Range Extras Mid-tier extras cover offering enhanced benefits for services including dental, optical, physiotherapy, and other allied health services.
• Healthy Options Extras Extras cover focused on preventive health and wellness services, including health management programs and selected allied health benefits.
• Everyday Extras Comprehensive extras cover for everyday health services including dental, optical, physiotherapy, and complementary therapies.
• Family Extras Extras cover designed for families, offering benefits for dependent children and a wide range of family health services including orthodontics and major dental.
• Comprehensive Extras Top-tier extras cover providing the highest benefit limits and broadest coverage across all extras services including major dental, orthodontics, natural therapies, and health appliances.
• Bronze+ Young Choice Bundled hospital and extras product designed for younger members, combining Bronze+ Hospital with extras cover at an affordable price point and including Active Health Bonus eligibility.
• TUH Mobile App Mobile application enabling members to manage their health insurance on-the-go, including digital membership card with QR code, HICAPS contactless claiming, photo-based receipt claims, benefit calculator, provider search, and Health-e-Profile completion.
• Member Portal Web-based portal for members to manage their health cover, view claims history, update details, complete Health-e-Profile, calculate benefits, and access policy documents.
• Health-e-Profile Evidence-based online health assessment questionnaire (approximately 15 minutes) available through the member portal or app, used to identify health risk factors and unlock the Active Health Bonus.
• Active Health Bonus Annual bonus reward for members on combined hospital and extras products (excluding Basic Extras), providing up to $150 (single) or $300 (couple/family) to offset out-of-pocket extras costs, unlocked by completing the Health-e-Profile annually.
• Menopause Support with UnPause Telehealth menopause care platform integrated as an extras benefit, providing access to qualified GPs, nurse practitioners, and specialist doctors trained in menopause care, including consultations, nurse check-ins, symptom tracking, webinars, and prescription delivery support.

Quantifiable outcome

• 91.1% average customer satisfaction (2025)
• +3 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature6 records

Partnerships

Nine partnerships are on record, tiered core, flagship and minor.

• Teachers Health GroupcoreStrategic or Co-development Partner · 1 July 2025TUH completed a merger with Teachers Health Group on 1 July 2025, forming Australia's largest health fund dedicated to the education community. The combined entity serves nearly 500,000 members and is the 6th largest private health fund in Australia. The merger brings together over 120 years of combined experience while maintaining not-for-profit, member-owned structures.
• UnPauseflagshipStrategic or Co-development PartnerFirst health insurer partnership providing dedicated menopause support benefit. Eligible members with Comprehensive Extras, Family Extras, Gold Ultimate Choice, or Gold Easy Choice can access UnPause's telehealth menopause consultations with qualified clinicians (GPs, nurse practitioners, specialists). Members can claim $25/month toward UnPause's $49/month subscription. UnPause offers up to 4 telehealth consults and 4 phone check-ins annually plus educational content and community support.
• Australian Health Service Alliance (AHSA)coreTechnology or IntegrationTUH accesses over 480 private hospitals across Australia through AHSA agreements. These contracts ensure members receive agreed benefits for covered services, typically eliminating out-of-pocket costs for hospital accommodation, theatre, and related fees at contracted facilities.
• HICAPScoreTechnology or IntegrationHICAPS enables instant on-the-spot claiming for extras services at participating providers. TUH members can tap their digital membership card on HICAPS terminals or use the app's QR code scanning feature to claim without paperwork.
• Queensland Teachers' Union (QTU)coreChannel Partner/ Reseller/ DistributorFounding union partner since TUH's establishment in 1972. QTU promotes TUH as the recommended health fund for its teacher members. TUH provides support for QTU events, conferences, and professional development opportunities throughout the year.
• Independent Education Union (IEU)coreChannel Partner/ Reseller/ DistributorLong-standing partnership supporting IEU members. TUH sponsors the Future of Teaching Bursary for IEU members, providing $5,000 for professional development courses, learning activities, or research into innovative learning solutions.
• QIEC SuperminorChannel Partner/ Reseller/ DistributorQueensland's Industry Super Fund for non-government education employees. Co-marketing partnership targeting shared education sector audience.
• itsmygroupminorImplementation/ SI/ Consulting PartnerService provider for online quote requests and member enrollment through union channels. Collects, uses, and discloses member information for quote generation, cover selection, and membership establishment.
• Health Hub QueenslandcoreStrategic or Co-development PartnerIntegrated healthcare center at Fortitude Valley providing dental, optometry, podiatry, massage, physiotherapy, and audiology services. TUH members can access coordinated care with information shared between providers for clinical needs.

Scale indicators6 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Navy Health: Not-for-profit health fund restricted to Navy, Defence, and related communities; shares the restricted-membership mutual structure that defines TUH.
• Police Health: Not-for-profit restricted-membership health insurer serving police and emergency services personnel; comparable closed-community mutual model.
• Teachers Health Group: Union-based, not-for-profit private health insurer serving the education community; merged with TUH in July 2025 and now operates as the parent group. Directly comparable in mission, customer base, and product structure.
• HCF (Hospitals Contribution Fund): Australia's largest not-for-profit private health insurer with ~1.9M members; closest direct peer to TUH given shared mutual/NFP structure and similar product portfolio of hospital and extras cover.
• HBF Health: Western Australia-based not-for-profit health insurer with ~1M members; comparable in NFP mutual model and core hospital/extras product offering, though regionally focused.
• Defence Health: Not-for-profit health insurer restricted to ADF personnel, veterans, and their families; analogous 'closed community' mutual model similar to TUH's education-only focus.
• GMHBA: Regional Australian not-for-profit private health insurer; comparable mutual/NFP structure and core hospital/extras offering though primarily Victoria-based.

Broad incumbents

• Australian Unity Health: Diversified mutual providing private health insurance alongside broader financial services and aged care; comparable mutual/NFP ethos and health insurance product set, though operates as a broader incumbent.
• Medibank Private: Australia's largest private health insurer with ~3.8M members; broad incumbent that competes head-on with TUH in the open market and provides the dominant scale benchmark.
• Bupa Australia: One of Australia's largest health insurers with ~4M members and global parent; broad incumbent competitor offering the same hospital/extras product mix and digital claims experience.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks1 record

Key highlights7 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about TUH