nsw teachers travel insurance

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• TUH Travel Insurance

Travel Insurance

Save 15%^ on travel insurance.

TUH Health Fund members can save up to 15%^ on Teachers Union Health Travel Insurance. Terms and conditions apply^.

Allianz Global Assistance

When you’re ready to travel again, we’re here for you. Embarking on your next trip is exciting, and while you hope the unexpected does not happen, it is best to be prepared. 

Buying TUH Travel Insurance for your trip can offer cover for minor things, like a delayed suitcase*, or significant things, like an unexpected trip cancellation* or an overseas medical emergency*. 

We've partnered with emergency medical assistance provider, Allianz Global Assistance to ensure you have the support and care you need. Remember to always read the  Product Disclosure Statement for the terms, conditions, limits and exclusions

Features and benefits

24/7 Emergency assistance If you need help while travelling, Australian based case managers are here for you 24/7, with registered nurses and doctors available.

Pre-existing medical condition cover You may be eligible for pre-existing medical condition cover on Comprehensive, Multi-Trip and Domestic plans using our easy online medical assessment that provides an instant outcome.

Simple claims process If something happens while you are travelling, making a claim is simple with our online claims portal. You can make a claim online while you are still travelling or when you return.

Contact Allianz Global Assistance

Customer Support If you have any questions or need to make changes to your travel insurance policy, call 1800 901 252 or email us . Support hours: Weekdays 8:00am to 7.00pm AEST Sat 8:00am to 5:00pm AEST

24/7 Policy Manager Portal You can amend your policy here before you travel for a range of adjustments, such as contact details, travel dates and destinations, by logging into the Policy Manager portal (using your policy number, DOB and a six-digit code sent to your nominated mobile phone).

Claims To make a new claim or to check the status of an existing claim, head to our claims portal , call 1800 901 252  or email us . Claim support hours: Weekdays 8:00am to 7.00pm AEST Sat 8:00am to 5:00pm AEST

24/7 Emergency Assistance Call emergency services immediately if your condition is life threatening. Call us as soon as you can on +61 7 3305 7499 (overseas) 1800 010 075 (within Australia)

Please note additional charges may apply for any calls made from mobiles, public telephones or hotel rooms.

Disclaimer: Queensland Teachers’ Union Health Fund Limited ABN 38 085 150 376 AR no 268660 trading as TUH Health Fund arranges this insurance as authorised representative for AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA). AGA issues and manages travel insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Terms, conditions, limits, sub-limits and exclusions apply. TUH Health Fund, Allianz and AGA do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. Therefore, you should consider whether the advice is appropriate for you. Before making a decision please consider the Product Disclosure Statement . The Target Market Determination is available at allianzpartners.com.au/policies . TUH Health Fund and AGA receive a commission which is a percentage of the premium you pay for a policy - ask us for further details prior to purchasing.

^TUH Health Fund members are able to obtain a 15% discount by successfully entering their membership number into the ‘Member Number’ section when entering trip details or by advising a consultant over the phone. This discount is based on standard premium rates. Not to be used in conjunction with any other offer. *Terms, conditions, limits and exclusions apply. Refer to the Product Disclosure Statement .

*Terms, conditions, limits and exclusions apply. Refer to the Product Disclosure Statement .

Our Gold Hospital cover is only available in conjunction with an Extras product.

Please choose an Extras Cover product before continuing, or call us on 1300 360 701 if you’d like to talk to someone about it.

(*) Prices include direct debit discount. (R) Restrictions apply. Sub limits may apply on extras products, click on   for more details. Set extras benefits apply per service and vary depending on cover. Waiting periods may apply. Your rates may differ based on your Lifetime Health Cover loading (LHC) . Actual rates may differ from those stated by up to 5c due to rounding increments.

Is there a child in your family who is between 21-31 years of age and not a full time student?

Based on your needs, we recommend Gold Hospital cover which can only be purchased with an extras cover.

If you want to continue, please select an extras cover.

Unfortunately, we don’t have a level of cover that matches the criteria you have selected. If you would like to discuss this further, please contact us on 1300 360 701 or via email at [email protected] .

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I want hospital cover for:

Hospital psychiatric care

Weight loss surgery

Pregnancy & birth or Assisted reproduction

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Heart and vascular system

Back, neck and spine

No thanks, I'm good!

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Hearing aids or health aids

Major dental or orthodontics

Massage or Myotherapy

Osteo, Chiro and/or acupuncture

Please enter your details below to view your quote. Once completed, we’ll email it straight to you!

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Compare Teachers Health health insurance

How teachers health rates for member complaints, gap cover and ambulance cover..

Fact-checked

Checked for accuracy by our qualified fact-checkers and verifiers. Find out more about fact-checking at CHOICE .

On this page:

Who is Teachers Health?

How does the teachers health premium increase compare with medibank, bupa, hbf, nib and hcf, how to save on your teacher health insurance premium, does teachers health get many complaints from members, how good is teachers health's gap cover, how many hospital agreements does teachers health have in each state, does teachers health offer ambulance cover, does teachers health offer family policies that cover adult children.

The NSW Teachers Federation established the Teachers Health fund in 1954 to provide cost-effective private health care for members and their families. It launched the UniHealth fund exclusively in 2014 for people in the higher education community and their families. 

Both Teachers Health and UniHealth are nonprofit funds and part of Members Health, an alliance of nonprofit and mutual health funds. Teachers Health also operates the  Nurses & Midwives Health fund. 

Phone:  1300 728 188

Website:   teachershealth.com.au

UniHealth 

Phone:  1300 367 906 

Website:   unihealthinsurance.com.au

Who can join Teachers Health?

Current or former teachers and academics, teacher aides or non-teaching support staff, with membership in their relevant union. 

Teachers Health increased its health insurance premiums on 1 April 2024 by an average of 2.65%.

This compares with an average premium increase of 3.03% and is lower than the premium increases of the five major health funds:

• HCF  – 2.89%
• Medibank  – 3.31%
• Bupa  – 3.61%
• HBF  – 3.95%
• NIB  – 4.1%.

If you want to check whether you're getting the best deal, you can review your health insurance at any time (in fact, it's good practice to do it at least once a year). To help you wade through the seemingly infinite options, our insurance experts developed a tool that lets you  compare health insurance  based on your needs so you can find cover that works for you, and potentially save yourself hundreds.

If you decide your current policy is good value for money and suits your needs, prepay your premium by 31 March. This is an excellent way to save money as it 'locks in' your current premium and means you'll avoid the 1 April price increase for up to 12 months.

Unlike some other funds, Teachers Health doesn't offer any discounts for prepaying your premium or paying your premium by direct debit.

Teachers Health has a Low  complaints rating (this includes UniHealth).

When we score policies we give each fund a complaints rating, based on the number of complaints and serious disputes the Ombudsman deals with. We take into account the size of the fund, so big funds don't get automatically penalised for having more complaints.  The ratings are Low, Medium and High. A Low rating is better than a High rating – it means the fund has fewer complaints and fewer serious disputes for its size.

A medical gap is the difference between Medicare's recommended fee and what your doctor actually charges for a treatment or service.

Health funds have agreements with particular doctors and hospitals to cover all of the gap, which are called 'no gap agreements', or part of that gap, which are called 'known gap agreements' (these will have lower out-of-pocket costs, usually less than $500).

Our graphic below displays the CHOICE gap rating, which takes into account the percentage of services where members either paid no gap or a known gap, compared to the state average.

Rating scale

• Well above average
• Above average
• Below average
• Well below average

Teachers Health gap cover rating by state

Australian capital territory, new south wales, northern territory.

Above average.

South Australia

Western australia.

The benefit amount your fund pays you for hospital services depends not only on the type of cover you buy, but also whether your fund has an agreement with the hospital where you're treated. 

The table below shows how many hospital agreements Teachers Health has in your state compared to the fund with the highest number (the industry maximum). Note that public hospitals don't have agreements with specific funds and are generally treated as though they're agreement hospitals.

Teachers Health hospital agreements

In the australian capital territory teachers health has....

5 private hospital agreements out of an industry maximum of 6.

8 day hospital agreements out of an industry maximum of 9.

In New South Wales Teachers Health has...

91 private hospital agreements out of an industry maximum of 92.

90 day hospital agreements out of an industry maximum of 105.

In the Northern Territory Teachers Health has...

1 private hospital agreement out of an industry maximum of 1.

2 day hospital agreements out of an industry maximum of 2.

In Queensland Teachers Health has...

50 private hospital agreements out of an industry maximum of 58.

46 day hospital agreements out of an industry maximum of 54.

In South Australia Teachers Health has...

20 private hospital agreements out of an industry maximum of 20.

25 day hospital agreements out of an industry maximum of 31.

In Tasmania Teachers Health has...

8 private hospital agreements out of an industry maximum of 8.

6 day hospital agreements out of an industry maximum of 9.

In Victoria Teachers Health has...

69 private hospital agreements out of an industry maximum of 71.

71 day hospital agreements out of an industry maximum of 80.

In Western Australia Teachers Health has...

21 private hospital agreements out of an industry maximum of 23.

20 day hospital agreements out of an industry maximum of 29.

All Teachers Health extras, hospital and combined policies have emergency ambulance cover.

Depending on where you live, you may not need a policy with ambulance cover. 

• Queensland and Tasmania:  Emergency ambulance services are covered by the state government. 
• New South Wales and the Australian Capital Territory:  All hospital policies come with emergency ambulance cover – so you'll be covered with any hospital or combined policy you select. 
• South Australia, Victoria and the Northern Territory: You can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance in your state or territory or refund at least part of the cost of the ambulance service cover. 
• Rural Western Australia: You can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance or refund at least part of the cost of the ambulance service cover. 
• Metropolitan Western Australia: If you want to be covered for ambulance you need to buy a health insurance policy with ambulance cover.
• Adult children are covered on family policies for free until they turn 21.
• Full-time students are covered on family policies for free until they turn 32.
• Adult children younger than 32 can be covered on extended family policies for an extra cost. 

Does Teachers Health let you claim online or in-app?

You can claim using an app (iOS and Android) for all services. You can claim online for complementary therapy, chiropractic, general dental, optical, podiatry, physiotherapy, exercise physiology, speech therapy, occupational therapy, psychology, audiology, and dietitian services.

Stock images:  Getty, unless otherwise stated.

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To share your thoughts or ask a question, visit the CHOICE Community forum.

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Teachers Health

https://www.teachershealth.com.au/

Teachers Health is the health fund for the education community and their families.

Created by teachers for teachers nearly 70 years ago to offer health insurance to the education community, Teachers Health is now the largest industry-based health fund in Australia, covering the lives of over 375,000 teachers, education staff and their families.

As a not-for-profit health fund, Teachers Health focuses on what matters most – supporting the health and wellbeing of their members, not delivering payouts to shareholders. They also give back to the education and broader community through scholarships, sponsorships and health and wellbeing programs.

Teachers Health has been recognised in the 2023 Mozo People’s Choice Awards , scooping awards for outstanding customer satisfaction for their hospital and extras cover as well as value for money, sign up experience and trust.

Health and wellbeing support is available for eligible members through Teachers Healthcare Services. Support is available for a range of services linked to hospital treatment, pregnancy and birth or managing your physical and/or mental health.

Teachers Health also operates Teachers Health Centres across NSW, VIC and SA. These health centres provide quality dental and eyecare services and access to a range of member offers.

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Teachers Health Fund Review

Chris Stanley

Established in 1954 by the NSW Teachers Federation, Teachers Health is now Australia's largest industry-based health fund.

Teachers health fund review

Established in 1954 by the NSW Teachers Federation, Teachers Health is now Australia’s largest industry-based health fund.

This not-for-profit fund is part of the Members Own Network. It covers over 350,000 teachers, education employees and their families. 

The Teachers Health fund has a strong focus on corporate social responsibility and runs a number of sponsorships, scholarships, and programs to care for the health and wellbeing of those in the education community.

Australia’s only health fund exclusive to the education sector

Nine month waiting period for pregnancy and birth services

Extra support for pregnancy, mental health and weight loss

Hospital cover

Nobody chooses to go to hospital. But when you do, hospital cover will help you get the treatment you need, where and when you want it. It also helps to pay the bills, as fees for hospital rooms and specialists can add up.

Think about what services you’re likely to need, in line with your budget. If you earn over $90,000 individually or $180,000 as a couple, you could avoid paying the Medicare Levy Surcharge .

Teachers Health offers five hospital plans. Each level of cover, from Basic Plus to Gold, builds on the level before it.

StarterPak (Basic Plus)

This entry-level policy offers combined hospital and extras cover . It allows you to choose your doctor and covers a few services in a private hospital. It also includes the most commonly used extras, and offers $500 annual limits per person on major and general dental.

Key inclusions:

Dental surgery

Hernia and appendix

Tonsils , adenoids and grommets 

Extras such as dental, physio and optical

Basic Hospital (Basic Plus)

This hospital-only policy is designed for the budget-conscious all the same hospital services as the StarterPak, plus a few more with restricted cover. The excess is $300.  

Joint reconstructions

Avoids Medicare Levy Surcharge

Mid Hospital (Basic Plus)

Cover for everyday health needs that doesn’t exclude any services. It covers a large number of services, while others – like pregnancy and joint replacements – have restricted cover (meaning you are limited to public hospital cover). Choose a $300 or $500 excess. 

Kidney and bladder

Insulin pumps

Podiatric surgery

Medically necessary breast surgery

Mid Classic (Silver Plus)

A broad, mid-level cover option that includes many services usually offered in Top Hospital, but excludes items such as pregnancy and weight loss surgery to lower the cost. Choose a $300 or $500 excess.

Palliative care

Heart and vascular system

Lung and chest

Top Hospital (Gold)

This is the top tier cover option with no exclusions or restrictions. It comes with a range of family planning services and, unusually, a nine month waiting period for pregnancy and birthing (most funds have a 12 month waiting period). Excess options are $0, $300 or $500.  

Pregnancy and birth

Joint replacements

Ambulance cover 

All Teachers Health plans include emergency ambulance cover. If you don’t want to take out hospital or extras cover, you can purchase emergency ambulance cover separately. Queensland and Tasmanian residents won’t need to do this as they’re covered by their state schemes.

Extras cover 

Teacher's Health Fund extras reset on 1 January every year.

From dental, to optical, to chiro and more, extras insurance helps cover the bills for routine treatments with rebates of up to 100%. 

While we’ve summarised the key points of each plan below, it’s always worth digging a little deeper into any gap fees , how much you can claim back, and whether your preferred healthcare provider, such as your local dentist, has an agreement with the health fund.

Take the time to work out what you need and what you’re prepared to pay. If this feels a bit overwhelming, you can speak to one of our experts who can talk you through what’s included in each extras policy.

Teachers Health offers three levels of extras cover: StarterPak, Essential Extras and their most expensive Top Extras policy. 

The first can only be purchased with hospital cover and the other two can be purchased on their own. 

This entry-level policy offers combined hospital cover with the most commonly used extras like dental, optical, physio and more. 

Essential Extras

Covers everyday items such as dental, optical and physio, plus a range of other services including healthy lifestyle programs like weight management and health screening. 

Teachers Health’s most comprehensive extras cover option comes with higher benefits and annual limits on common services like dental, physio,  optical and more. The policy also covers items such as speech therapy or diet, and devices such as hearing aids and blood pressure monitors, as well as including the healthy lifestyle programs.  

Waiting periods

To stop people signing up, claiming, then cancelling their health insurance, all insurers apply waiting periods . Generally, the more expensive the treatment, the longer you’ll wait. But keep an eye out for special deals with waiting periods reduced or waived.

1 day – ambulance transport

2 months – psychiatric , rehabilitation and palliative care (restricted, not pre-existing conditions)

12 months – pre-existing conditions

2 months – all other hospital services

Basic Hospital (Basic Plus), Mid Hospital (Basic Plus)

2 months – psychiatric, rehabilitation and palliative care (not pre-existing conditions)

9 months – pregnancy and birth (restricted)

9 months – pregnancy and birth-related services

1 day - emergency ambulance

2 months – general dental, pharmaceuticals , childbirth education, home nursing, allied health services like chiro, osteo and podiatry, most artificial aids and appliances.

6 months - optical, healthy living programs. 

12 months - major dental and orthodontics , hearing aids, CPAP machine and accessories purchases.

24 months - wheelchair.

Member benefits

All Teachers Health members can access:

Support programs through Teachers Healthcare Services. 

Teachers Health Centres, with discounted dental and optical services. 

Health Lifestyle programs included in all extras policies.

Health and fitness discounts on exercise equipment, weight management programs and nutrition programs.

Discounts on shopping, groceries, travel and more through the Teachers Health Shopping portal. 

How to claim

Claim on the spot through HICAPS at a provider. You can also claim through the Teachers Health app and online, or by email or post. 

Hospital agreements

Teachers Health has agreements with many private hospitals and day surgeries across Australia. When comparing policies, it’s worth checking if your local hospitals and clinics are covered. Our specialists at Health Insurance Comparison can do this for you.  

Customer service

Teachers Health received 6 complaints from 1 January to 30 March 2020. That’s 2% of complaints vs 2.4% market share, indicating customer service may be above average. 

Source: Private Health Ombudsman

Teachers Health FAQs

1. is teachers health a not-for-profit fund.

Yes, it’s part of the Members’ Own Network.

2. Who can apply? Are there any restrictions?

Teachers Health is exclusively for members of the education community and their families.

This includes current and former primary, secondary and tertiary teachers, teachers’ aides, lecturers and support and administration staff from public, private and independent institutions around Australia.

A member’s spouse or partner, and other family members can join the fund too. This includes siblings, adult children and grandchildren.

3. Is it easy to switch to Teachers Health?

Teachers Health isn’t on our panel but we’re confident we can find you a great deal on your health insurance. You’ll need to contact Teachers Health directly if you’re interested in switching to one of their policies.

4. Do I need to re-serve waiting periods?

You can switch to an equivalent or lower level of cover without re-serving waiting periods. You will only be required to serve waiting periods if you have upgraded to a higher level of cover.

5. Can I change my level of cover?

Yes, you can choose a lower or higher level of cover to suit your different life stages. If you move to a higher level of cover, you will usually need to serve waiting periods on the extra services and/or higher benefits.

6. Do I get the government rebate?

For every dollar of private health insurance premiums , the Australian Government provides eligible Australians with a rebate of up to 33.4% (depending on your age and income). To learn what you’re entitled to, use our rebate calculator .

7. Do I have to pay the Lifetime Health Cover loading?

If you’re 31 or over, you usually need to pay 2% loading for each year you’ve gone without hospital cover since the 1st July following your 31st birthday.

8. What age are children covered up to?

Teachers Health will cover dependent children up to the age of 21.

If they’re studying full time, dependents can be covered as a student under a family policy up to the age of 31. Children must not be married or living in a de facto relationship. Read our guide to learn more.

Teachers Health have also offered Extended Family Cover that allows dependents aged 21-31 to be on your membership provided they aren't married or studying full time.

This guide is opinion only and should not be taken as medical or financial advice. Check with a financial professional before making any decisions.

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Teachers Health insurance review

Teachers health is tailored to the education sector and is one of the few funds to cover dependants until they're 32..

In this guide

Teachers Health insurance: Our verdict

What types of health insurance does teachers health offer, hospital coverage, extras coverage, combined coverage, ambulance coverage, teachers health complaints, frequently asked questions.

Health insurance guides

Types of health insurance

Hospital cover

Extras cover

Health insurance and tax

Health funds

• It's tailored to teachers, education staff and their families.
• It's a not-for-profit, meaning the money it makes is invested back in its members.
• Good if you have any dependants under 32. They can stay on the family policy until they're 32 years old (as long as they meet the eligibility criteria).
• Not everyone can join – only current or former members of the education community and their family members.

Why compare health insurance with Finder?

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With 1 click, you can open your results to nearly every fund in Australia.

You pay the same price as going direct – we charge no fees.

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Here to help you find the right cover for you!

Cheap cover to avoid the medicare tax

• Avoiding the Medicare tax
• Ambulance cover

From $77 /month

for a singles policy*

Covered treatments

None, restricted cover available for:

• Rehabilitation
• Hospital psychiatric services
• Palliative care

Cover for common treatments

• Value for money
• The stuff you often need

From $89 /month

Key treatments include

• Joint reconstructions
• Ear, nose and throat
• Tonsils, adenoids and grommets
• Brain and nervous system
• Eye (not cataracts)
• Bone, joint and muscle
• Kidney and bladder
• Male reproductive system
• Digestive system
• Hernia and appendix
• Gastrointestinal endoscopy
• Gynaecology
• Miscarriage and termination of pregnancy
• Chemotherapy, radiotherapy and immotherapy for cancer
• Pain management
• Breast surgery (medically necessary)
• Diabetes management (excluding insulin pumps)
• Heart and vascular system
• Lung and chest
• Back, neck and spine
• Plastic and reconstructive surgery (medically necessary)
• Dental surgery
• Podiatric surgery (provided by a registered podiatric surgeon)
• Implantation of hearing devices
• Joint replacements
• Dialysis for chronic kidney failure
• Pregnancy and birth
• Assisted reproductive services
• Weight loss surgery
• Insulin pumps
• Pain management with device
• Sleep studies

Comprehensive cover without pregnancy

• Families done having kids

From $103 /month

26/38 8 more than bronze

• Lungs and chest

Comprehensive cover for the lot

• Families having kids

From $173 /month

38/38 12 more than silver

Restricted cover, You may be partially covered for this category.

Not covered. Optional for insurer to include.

*Prices updated March 2024, in line with Finder's database of health insurance policies. Prices are based on a single individual with less than $93,000 income and living in Sydney with a $750 excess.

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4.7 Rating | 799 Reviews

Teachers Health is a not-for-profit, which means it is run solely to benefit its members rather than to turn a profit.

Teachers Health is good if:

• You have a dependant under 32.
• You want to go with a not-for-profit.

Teachers Health is not great if:

• You aren't eligible for a policy.

Review by our insurance and innovations editor Gary Ross Hunter .

• Basic Hospital (Basic Plus). This is an entry-level health insurance option that covers a few treatments in private hospitals and offers your choice of doctor in a public hospital. Designed for young and healthy applicants, it covers essentials like dental surgery, hernias, appendicitis and joint reconstructions. This cover has a $300 excess.
• Mid Hospital (Basic Plus). This is a mid-level option, covering a wide range of services and has no exclusions. Instead, it provides restricted cover for some services, such as heart and vascular and pregnancy and birth. You can choose a $300 or $500 excess for this cover.
• Mid Classic (Silver Plus). Another mid-level option, this policy is designed to give you cover for everyday health needs, but not the expensive big-ticket services. It includes private hospital cover for a wide range of services, including diabetes management, cancer treatment and more. You can choose a $300 or $500 excess for this cover.
• Top Hospital (Gold). This comprehensive product is designed to offer complete peace of mind. It covers an extensive range of procedures, including pregnancy, heart procedures, hospital accommodation and theatre expenses. Members get their choice of agreement private hospital and there's no excess.

• Top Extras. Teachers Health fund's Top Extras lets you enjoy generous benefit limits for a wide range of treatments including major dental, optical, psychology, chiropractic, physio, speech therapy and occupational therapy.
• Essential Extras. This offers affordable cover for a mid-level range of services, including general and preventative dental, physio, optical and podiatry.

You can mix and match hospital and extras cover for a combined policy.

• StarterPak. Designed for young people and offering a range of essential benefits, this policy excludes a range of treatments and services that members are unlikely to need. It offers cover for your choice of agreement private hospital and choice of doctor as well as procedures like hernias, joint reconstructions, appendix removal and tonsil removal.

All Teachers Health Hospital insurance policies include cover for emergency and non-emergency ambulance transportation. The latter can cover you for up to $3,000 per calendar year.

We looked at the 2022 Ombudsman health insurance complaints. Here's how Teachers Health did:

• Teachers Health provides fairly good customer service; it had 2.7% of all complaints, which is only 0.1% more than its market share of 2.6%.
• However, it doesn't have the best complaints ratio for restricted funds – Defence Health, Police Health and TUH are among those with lower ratios.

This chart shows the weighted volume of complaints received by each health fund, according to the Commonwealth Ombudsman. The lower the number, the better. Only non-restricted funds with a national market share of at least 0.1% are included here. GMHBA is tenth overall in this ranking. The weighting ensures that funds are compared fairly ; larger funds serve more customers so can potentially get more complaints.

Full table of data

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Is teachers health not-for-profit.

Yes, Teachers Health is a not-for-profit, meaning it reinvests its earnings for the benefit of its members.

How do I make a claim with Teachers Health?

If you need to make an extras claim with Teachers Health, you can do so in the following ways:

• On the spot. You can swipe your Teachers Health membership card on the spot using the HICAPS system to claim instantly.
• Via mobile app. The Teachers Health mobile app is available for Apple and Android devices and allows you to take a photo of your official receipt to submit your claim.
• Online. You can claim for the following extras through the Teachers Health online members area: acupuncture, chiropractic, complementary therapies, remedial massage, general dental, optical, physiotherapy and podiatry.
• By mail. You can download a claim form from the Teachers Health website, complete it and send it along with your invoice or receipt to Teachers Health, GPO Box 9812, Sydney NSW 2001.
• In person. You can submit your completed claim form and invoice or receipt in person at a Member Care Centre located at a Teachers Health Centre.
• Via email. You can also submit completed claim forms via email to [email protected]

As for bills from your doctor or specialist, if the doctor or specialist participates in Teachers Health's Access Gap Cover program, then they will send the bill directly to your health fund. If they do not participate in the program, you will need to take the bill to Medicare to be processed before Teachers Health can pay any benefits.

Gary Ross Hunter

Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full profile

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Youth Opportunities Program 2024/25 - Round 13

Key information

• Status: Open
• Grant amount: From $10,000 to $50,000
• Application opened: 3 June 2024
• Application closes: 15 July 2024, 5:00 pm

Program objective

The Youth Opportunities program provides one-off, time-limited grants for  new  projects that enable marginalised young people to lead and participate in their communities.

The purpose of Program is to increase marginalised young people’s participation in activities that strengthen their connection and belonging to their communities.

The Program supports organisations to empower marginalised young people to design and deliver community projects, enabling them to:

• overcome barriers to participating in the community
• build community based partnerships and networks
• feel a greater sense of belonging within their community
• feel empowered, as their ideas and opinions are respected, considered and acted upon
• gain relevant training to support their participation
• feel more confident within themselves and their abilities, having expanded their knowledge and skills
• be recognised for their efforts as volunteers having given their time to design and deliver community projects
• seek further opportunities to participate and stay engaged in their community.

The Youth Opportunities program requires applicant organisations to have spoken with young people and involved them in developing the project proposal prior to submitting a grant application.

Organisations must also involve young people at every stage of the project – from identifying the need and developing the project proposal through to design, project delivery and final review.

This program is administered by Department of Communities and Justice.

Eligibility

Who can apply.

Under this Program, eligible organisations are:

• incorporated not-for-profit community organisations operating in NSW
• NSW Local Councils

For the purposes of this program, organisations deemed to be ‘incorporated not-for-profit community organisations’ operating in NSW include:

• incorporated organisations that are registered and approved as not-for-profit bodies by NSW Fair Trading
• not-for-profit companies limited by guarantee, registered in NSW (it is preferred but not essential that the applicant organisation in this case holds a valid ACNC registration and/or DGR status)
• not-for-profit companies limited by shares, registered in NSW (must be non-dividend distributing)
• associations (registered under the Associations Incorporation Act 2009 with NSW Fair Trading)
• cooperatives (registered under a relevant Act of Parliament)
• religious organisations (registered as one of the above or established under an Act of Parliament).

Who the grant is targeted towards

Marginalised young people 12 – 24 years of age who are transitioning from childhood to adulthood and from dependence to independence.Young people who face marginalisation may include but are not limited to young people transitioning from Out of Home Care, young people experiencing homelessness, young people from low socio-economic backgrounds, young people with a disability, young carers, or young people in contact with the justice system.

The program seeks to fund a diverse range of projects from across NSW, particularly in rural and regional areas, and encourages applications from Aboriginal and Culturally and Linguistically Diverse organisations.

Note: projects do not need to cater to all ages. Applicants are encouraged to consider the practicality of keeping age groups close in range i.e 12-14, 15-17, 18-20, and 21-24. Applicants can stream project groups into older/younger teams/groups if warranted, so that activities are more age appropriate.

Types of projects funded under this grant

Projects should focus on giving young people the opportunity to develop a range of skills, including

• life skills and healthy behaviors
• leadership, communication and teamwork
• event management and planning
• volunteering opportunities that link young people to further education and training.

When the project can start and end

Projects will commence 01 March 2025 and have till 30 May 2026 to complete all activities.

The project should be started by 1 March 2025 and the project must be completed by 30 May 2026.

Outcomes for projects funded under this grant

Funded projects are expected to contribute towards the following outcomes:

Project Outcomes (short-term)

Increased participation in youth-led and youth-driven community activities indicated by

• t he number of youth-led and youth-driven community projects funded per round,
• t he number of marginalised young people directly involved in the planning, design and delivery of the project as volunteers, and
• the number of volunteer hours spent on the planning, design and delivery of the project.

Marginalised young people address and overcome barriers to participation indicated by

• the n umber of marginalised young people that attend and participate in events/activities as part of the project.

Marginalised young people participate in activities that strengthen their connection to their local community indicated by

• the number of youth-led and youth-driven community events/activities held as part of the project.

Marginalised young people learn a range of skills that strengthen their ability to participate in their local community and support future social and economic participation indicated by

• t he number of marginalised young people that undergo training (formal or informal) as part of the project.

Marginalised young people’s contributions are recognised and valued indicated by

• the number of recognition activities and events that were held as part of the project.

Program Outcomes (medium-term)

Marginalised young people feel a sense of choice and control (self-determination) in their lives indicated by

• the proportion of marginalised young people who report being involved in decision making throughout the project.

Marginalised young people feel a sense of connection and belonging to their local communities indicated by

• the proportion of marginalised young people who report feeling a sense of belonging in the place and community where they live and
• the proportion of marginalised young people who plan to continue to volunteer within their community.

What costs you can apply for

Project Budget

A detailed budget outlining all project related expenses is required as part of the grant application. The following funding limits apply to all applications:

• a reasonable portion of the budget can be used for project coordination, including the reimbursement of your young volunteers for pre-identified or agreed expenses (the cost of volunteering should not be a barrier to participation for a young person)
•  up to 10% of the budget can be used for minor administration costs (promotion, marketing, printing, stationary, postage, external bookkeeping fees if required)
• up to 15% of the budget can be used to purchase minor equipment (applicants must demonstrate the need for these purchases in their application)
• up to 10% of the budget can be used for catering

Note: funds can only be used for expenses/activities directly associated with the implementation of the project.

Who can’t apply

• Commonwealth or State Government agencies
• schools (including Parents and Citizens Associations), a university or TAFE college
• individuals or sole traders
• commercial for-profit organisations
• sub-contractors engaged to manage or deliver the project on behalf of non-eligible organisations

What costs you can't apply for

Funding must not be used for:

• any activity of a commercial nature that is for profit
• interstate or overseas travel, scholarships and/or conference attendance
• case-management or counseling services for young people
• business as usual costs or general operating expenses such as rent, insurance, electricity, water, rates or the running of other programs within the organisation
• costs that are not directly associated with the implementation or delivery of the project
• capital works (e.g. establishing or refurbishing a youth center/space)
• large equipment purchases (e.g. vehicles)
• existing projects/programs
• projects that deliver outcomes under the school curriculum. Projects that intend on using school grounds or school facilities, cannot be run as part of the school curriculum or other areas of school responsibility

Types of projects not funded under this grant

Projects must not include:

• school projects that are part of the curriculum or other areas of school responsibility
• case management or counseling for young people
• religious festivals, rituals, events or promotions, except multi-faith events that involve young people from more than one religion
• major capital works (e.g. establishing or refurbishing a youth center)
• operating expenses such as rent, insurance, electricity, water, rates
• funding towards the running of other programs within the organisation
• existing projects or programs.

Example projects

Projects should focus on giving young people the opportunity to develop a range of skills, such as, but not limited to:

Types of projects can include, but are not limited to:

• mentoring programs
• workshops and events
• creative arts programs e.g. visual arts, theater, songwriting
• life skills, training and professional development programs
• community networking
• work readiness programs
• health and wellbeing events
• financial literacy workshops
• digital literacy training.

Additional eligibility requirements

Projects funded under the Youth Opportunities program are to involve young people at every stage of the project. It is expected that young people will take an active role in identifying, designing and implementing these projects.

Projects are required to meet the following objectives:

• Partner with marginalised young people to deliver a youth-led and youth-driven community project
• Improve marginalised young people’s access to and inclusion in community activities such as sport and recreation, cultural and other activities
• Provide marginalised young people with knowledge and skills to strengthen their ability to participate in their local community and support future social and economic participation
• Recognise the contributions marginalised young people make to their local community.

What your application needs to include

Prepare your application with this checklist.

Before you start your application, read the Program Guidelines in full to make sure you understand all the relevant requirements for the Youth Opportunities grants program.

• Check  Eligibility Criteria (must be an incorporated not-for-profit community organisation operating in NSW or a NSW Local Council) on page 13 of the Program Guidelines.
• Make sure you have spoken with young people and involved them in developing the project proposal prior to submitting a grant application. Remember a key element of the Youth Opportunities program is that marginalised young people take an active role in identifying, designing and implementing these projects.
• Read over the  Project Objectives and Core Components  on pages 7-8 of the Program Guidelines to make sure your project adheres to these guidelines.
• Read over the  Project Budget and Exclusions  lists on page 14 of the Program Guidelines to make sure your project fits within these guidelines.
• Read over the  Assessment Criteria  on page 20 of the Guidelines to understand what the assessors are looking for.

Address the eligibility criteria

Each applicant, as part of an application response, must confirm that they meet the eligibility criteria.

Applicants that do not address the eligibility criteria in full may be excluded from the application process at the department's discretion.

Address the assessment criteria

Each application will be considered on its merits, based on how well it meets the assessment criteria and how it is ranked against other applications. Assessments are conducted by independent assessment panels.Each application is assessed against the following criteria:

• The project demonstrates that marginalised young people have had and will have meaningful input at every stage of the project (identifying the need, planning and design, delivery, final review and recognition) - the project is youth-led and youth-driven.
• The project improves marginalised young people's access to and inclusion in community activities such as sport and recreation, cultural and other activities.
• The project provides marginalised young people with knowledge and skills to strengthen their ability to participate in their local community and support future social and economic participation.
• The project recognises the contributions marginalised young people make to their local community.
• The project clearly demonstrates substantial benefits to young people compared with the total cost of the project - the project represents good value for money.

Start the application

Application Process

Step 1 – Check your eligibility

Step 2 – Prepare your application via SmartyGrants

Step 3 – Submit your application

• Applications can be submitted at any time before the deadline, but no applications will be accepted after the deadline. The SmartyGrants system will automatically shut off at 5:00pm on the due date.
• At the end of the online application form, you will be prompted to review your application. Any errors (word limits not reached, questions not completed) will be highlighted in red and you will be prompted to go back and correct the error before your application can be submitted. Carefully check your application prior to submitting.
• Once you have reviewed your application and you are ready to submit it, you will need to click the submit button. Once submitted no changes can be made. Simply saving your application does not lodge your application with the Department.
• Once your application has been submitted you will receive an automated response from SmartyGrants – a confirmation of submission email. If you have not received this email, your application has not been successfully submitted, or the confirmation email has ended up in your junk mailbox. Please check this before contacting us. You can also log in to SmartyGrants and click ‘My Submissions’ to view your submitted and unsubmitted applications. Submitted applications are identified by a green tick.
• If you realise that you have made an error once you have submitted your application please email [email protected] for assistance before the closing date.
• The Youth Opportunities program team can assist organisations with queries regarding the application process, but not the content of the application. If you have any questions regarding the process please email [email protected] .

Note: If you are a new applicant to SmartyGrants, you will need to register and create a password. If you are already registered, you can log in with your existing username and password.

After the application is submitted

Successful applications will be decided by: NSW Department of Communities and Justice

The assessment process for the Youth Opportunities program is:

• Eligibility assessment: Delegated staff conduct a review to ensure eligibility against the eligibility criteria (see Eligibility Criteria , page 13) and general compliance with these guidelines.
• Competitive merit based assessment : Each eligible application will be assessed against the selection criteria by an assessment panel.
• Recommendations : The assessment panel will make recommendations to the final decision maker.

Anticipated date for funding deed execution with successful applicants is 01 March 2025

Support and contact

For information on the Youth Opportunities program, please email [email protected] 

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