When will I receive my Membership Card?
Your card will arrive within 10 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?
Your adult children can be covered on your family policy until they are 25 years of age providing they:
- Study full-time at a school, college or university,
- Are an apprentice who does not earn more than $30,000 per annum,
- Are currently unemployed and receiving a Centrelink benefit; and
- Don’t have a partner (i.e. spouse or other person living with him/her in a genuine domestic relationship)
If your adult children don’t fit into one of these categories, that’s ok – 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 premium for an Extended Family/Extended Single Parent cover is higher than our standard family or single parent family policy, however it is a more economic option for your adult children compared to them taking out their own cover at the same level.
Our Extended Family/Extended Single Parent cover is available across all of our hospital products with the exception of our Public Hospital (closed) cover or extras only cover.
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 do 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.