When will I receive my membership card?
Your card will arrive within 14 days of the date of your application, even if your policy doesn't start right away.
Does Territory Health Fund have a cooling off period?
We hope you won't, but if you change your mind about taking out cover with Territory Health Fund and haven’t made any claims, we’ll allow you to cancel your policy and receive a full refund of any premiums paid within 30 days of the start date of your policy.
I have older children. Can they be covered by my policy?
You can cover your children on your family policy until they are 25 years of age. We have different types of cover though depending on whether they're a student or apprentice, or if they're working full time.
Up until the age of 25, full time students and apprentices earning less than $30,000 p.a. are automatically included in your family policy at no extra charge, providing they are not married or in a de facto relationship.
If your adult children are working, and aren’t full time students or apprentices, don’t worry – we still offer a cover option called Extended Family/Extended Single Parent cover.
Extended Family cover keeps your adult children on the same policy (as long as they’re not married or in a de facto relationship) from the age of 21 until they’re 25. The Extended Family/Extended Single Parent cover policy premium is higher than our standard family or single parent family policy, but is a more economic option for them compared to having them take out their own cover at the same level.
The Extended Family cover option only applies to Top Hospital cover as stand-alone products or packaged with any of our extras products. It is not available to family or single parent policies with any Intermediate Hospital only product or packaged covers or Public Hospital and Extras packaged covers.
Why is private health insurance for me?
We can appreciate that private health insurance is an added cost, but it's worth it for the cover you and your family will receive. Here are some of the things you should know about why private health insurance is for you.
- You can choose your own doctor
- You can choose your own hospital
- You get to have more choice over when you're treated
- You may pay less tax if you're a higher income earner
- You can lock in your Lifetime Health Cover age, if you're over 31 and haven't had private health insurance before
- You don't have the long waiting periods you get in the public hospital system
- Peace of mind for you and your family.
Will I need to serve waiting periods if I switch from another health insurer?
Your health insurance is "portable" by law - this means if you switch from another Australian registered health fund to Territory Health Fund, you won't have to re-serve the waiting periods you've already served at your current fund.
You just have to make sure you join us within 63 days of leaving your old fund and we'll recognise your waiting periods, or partial waiting periods.
The only time this doesn't apply, and you may have to serve waiting periods, is if you've chosen to take out a level of higher cover than your previous policy. This includes changing to a lower excess or changing to a higher hospital or extras cover.
When you upgrade, you'll still be entitled to the same level of benefits of your previous cover, until your waiting periods are up.
What to I need to supply to transfer from another fund?
If you're transferring from another health fund, we'll need a transfer certificate to complete the switch.
A transfer certificate confirms your health insurance history and your Lifetime Health Cover status. We need this to make sure you get continuity of cover and apply the appropriate waiting periods, and we need it before we can pay any benefits.
We usually request the transfer certificate on your behalf (with your permission, of course) but if your fund sends it to you instead of us, you'll need to forward it us.