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.

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.

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.

CUA’s Hospital Cover Options

Take note restricted cover means you’ll only be covered in a public hospital with CUA’s choice of doctor. If treated in a private hospital, your benefits are limited to public hospital rates, as set by the federal government.

Compare CUA’s Extras Cover Options

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.

• Cover for your children exists up until their age of 23 or 25 if they are full-time students.
• There’s no excess if your child is admitted to hospital.
• The health fund has included extra general dental benefits for dependent children to help make dental care costs more affordable.

What’s not covered | Exclusions

• Hospital treatments for which Medicare pays no benefit, for example cosmetic surgery.
• Any items, like TV rental or phone calls that are not part of your agreed hospital charges.
• The patient’s portion that is applied to any nursing home-type.
• Claims lodged after two years from the date the service was provided.
• Products, services and treatments purchased overseas.
• Experimental drugs.
• Treatments provided by an emergency department.
• Any treatment considered an outpatient service.
• Services provided by family members.

Waiting periods

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

• Ambulance services: No waiting period
• General dental: 2 months
• Major dental: 12 months
• Occupational, speech and eye therapy: 2 months
• Hearing aids: 24 months
• Health management aids and appliances: 12 months
• Chiropractic and Osteopathic: 2 months
• Dietitian and nutritionist: 2 months
• Physiotherapy and exercise physiology: 2 months
• Optical: 6 month
• Health management programs: 6 months
• Pregnancy: 12 months.

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.