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CUA Health Insurance Review

The future is uncertain, which is why it’s a good idea to have a health insurance plan that you can rely on to protect you and your family against unexpected medical costs. Whether you’re new to purchasing health insurance and want to review CUA Health Insurance as a health cover option this article will provide you the information you need to make an informed decision.
Fact Checked

Updated: 24 May 2024

CUA private health insurance, distributed by Credit Union Australia Ltd, offers a wide variety of hospital cover and optional extras to choose from, giving you the freedom to choose the level of health care cover to best suit your needs and budget. We have reviewed and compared their Hospital and Extras cover options so that you can find the best value for your premium.

ComparingExpert does not currently have access to this provider. Visit to request a quote and compare their price and benefits to the Australian private health insurance companies we have access to.

CUA Health Insurance Options

CUA offers 3 main Hospital plans, including Premium Hospital, Standard Hospital, and Basic Hospital. You can also choose from 3 Extras options, including Total, Classic, and Essential Extras to ensure coverage for things like dental, optical and ambulance services.

Health cover for pregnancy

If you are at the stage in your life when you’re thinking about starting your family and want to have your baby in a private hospital with your choice of obstetrician, you will need to get cover 12 months before being admitted for the birth.

CUA’s Premium Hospital cover includes obstetrics, and comes with a choice of zero, $250, or $500 excess. Remember, your choice of excess will influence your premium amount, the lower your excess, the higher your premium.

Health Insurance for Families

CUA’s family policies covers the main policyholder, spouse and any dependent children, including young adults.

What’s not covered | Exclusions

Waiting periods

A waiting period refers to the amount of time you need to wait before claiming on a specific service on treatment.

Frequently Asked Questions and Answers

There are several ways to lodge a claim with CUA. If you’re claiming for Extras Cover, you just swipe your CUA Health policyholder card at the participating HICAPS provider. Claims relating to hospital treatments are automatically sent to CUA on your behalf. Alternatively, you can post your claim form and supporting documentation to your nearest CUA Health branch.

Before you claim, remember the following:

  • The healthcare provider must be recognised by CUA Health.
  • All Extras claims under $500 must be paid in full prior to claiming.
  • You must have served the relevant waiting periods.
  • Premium payments must be up to date.
  • The service must have already been provided and paid for, meaning that you can’t claim for a service before it has been provided.
  • You need to file your claim within two years from the date the service was provided.

The Australian Government provides a rebate on your private health insurance expenses. This is part of their bid to encourage people to look after their health. This amount is determined by how much you earn a year and you can claim your money back in the form of a reduction to your regular premiums or as a tax rebate.

In 2005, a self-regulatory code for health funds was introduced to ensure that everything is above board. Essentially, the Code sets standards for training of health fund staff and others responsible for advising consumers about private health insurance. It also exists to manage the quality of advice provided to consumers and requires funds to have effective complaint handling procedures.

Yes, there are discounts for your health cover if you are a CUA Rate Breaker Home Loan customer. This discount will include one month’s worth of free cover on your health insurance from CUA each year.

CUA Health promises to help you keep your health insurance costs affordable by giving you the option to choose an excess level you can afford. They also have agreements with some private hospitals and day surgeries to provide services at low or no out-of-pocket costs.

It’s important that you consider all the benefits and exclusion before choosing a health care provider. It might be worth comparing CUA with other top health insurance companies to make sure you’re getting value for money.



Megan has extensive experience writing about health and life insurance in Australia. Megan has a special interest in health and wellness. She relies on her background in counselling psychology to convey the latest findings in a manner that is most beneficial to ComparingExperts readers. In every article she writes, Megan aims to uphold the standards of the Private Health Insurance Intermediaries Association (PHIAA) which ComparingExpert is part of.

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