Family health insurance

Family health insurance

Health insurance for you and yours 🤍

Your Cover





* Based on an Australian Government Rebate of %, % LHC loading, $ excess for a in .

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Family Hospital cover

Top Hospital Gold covers pregnancy and birth, and assisted reproductive services. It also covers things a growing family might need like hospital treatment for tonsils and adenoids.

Top Hospital includes big ticket items such as heart procedures with no exclusions or restrictions. Plus, there's no excess for any kids on your cover if they’re under 32. 

See Hospital cover options

Family Extras cover

With Top Extras you'll receive higher benefits for services your family may use the most, like dental, optical and physio. 

Your limit for major dental will also go up the first six years you have Top Extras cover, and you can use the orthodontia benefit in one hit with Top Extras, instead of spreading your lifetime limit over different years. 

See our Extras cover options

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Why Teachers Health?

We’re for the education community

As the health fund for school staff and their families, you’re at the heart of everything we do.

We’re for members, not profit

Being not-for-profit, we’re about giving more back to members (not payouts to shareholders).

We’re for care when you need it

As a private patient you can choose your doctor and avoid long public hospital waits (phew!).

We’re for the greater good

We give back to the education community through scholarships, sponsorships, research and more.

Family health insurance FAQs

Which family cover should I get?

We’ve got a range of Hospital and Extras cover to suit everyone’s needs and budgets. Top Hospital (Gold) and Top Extras are popular with families as these are our most comprehensive cover options.

What are the benefits of having family health insurance?

Peace of mind knowing that you and your family are covered for the everyday and the unexpected with a range of Hospital and Extras options (and Emergency Ambulance too).

Having Hospital cover can also help you avoid the Medicare Levy Surcharge if your yearly income is more than $186,000 as a couple. You and all the members of your family need to have Hospital or combined Hospital and Extras cover to avoid the Medicare Levy Surcharge.

Is family cover more affordable?

Family cover can start from $62.26/week* for Basic Hospital (Basic Plus) and Mid Extras  but we’ve got a range of Hospital and Extras covers to suit everyone’s needs and budget.

In general, we keep premiums as low as we can. Our average annual premium increase for 2024 was 2.65% – below the industry average of 3.03%.

How long can a child stay on our insurance policy?

We’ve extended the age limit of eligible dependants from 25 years to 32 years, so dependants can stay on family cover for longer!

Dependants aged 21+ can now be on your family membership until they turn 32, provided they aren’t married or in a de-facto relationship.

Your dependant can stay on your family membership at no extra cost to you if they’re studying full-time. If they’re not studying and aged 21-31, Extended Family Cover is an option.

See more on adding dependants to your cover

Read more about choosing the right cover

Have a question? Find the answer in our FAQs

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