1.

You must become a member of Credit Union Australia Ltd (CUA) before you can take up membership with CUA Health.

3.

Benefits are NOT payable for any services received while overseas. Members may apply to suspend their membership for periods of two weeks to 36 months while overseas (conditions apply).

4.

Family membership provides cover for the member, their spouse and any dependant children/young adults until their twenty-third birthday. Full-time student dependants are covered up until they turn 25. Student dependants must be registered each year from when they turn 23 years of age.

5.

Benefits are paid in accordance with CUA Health's rules of the fund and they shall not exceed the cost of any service.

6.

You may not contribute to similar tables with more than one private health insurer.

7.

To claim for services received in hospital from doctors and/or pathology - claim from Medicare first and attach Medicare's ‘Statement of Benefit’ to a CUA Health claim form and forward to CUA Health.

8.

Benefits are paid for claims lodged within 24 months of treatment.

9.

If you are transferring from another fund, CUA Health will grant you continuity of cover at an equivalent level, as long as you join within two months of the date that you were paid up to with your previous fund. Loyalty bonuses are not transferable from one fund to another. We will record your official date of joining CUA Health as at the day immediately after the date that you were “paid to” with your previous fund, so that there is no period of time for which you are not covered. Your contributions will also be due from that date.

10.

If you up-grade your cover, you will need to serve the waiting periods for your increased level of cover. Your existing level of cover will apply until these waiting periods are completed.

11.

Single hospital membership for mothers covers the cost of the birth of the baby but does not cover any costs incurred by the baby. For your baby to be eligible for benefits immediately upon birth, the mother must have contributed to a family or single parent membership for at least two calendar months prior to the infant’s birth, regardless of whether or not the infant is premature. It is recommended that a single member upgrades to family or single parent membership as soon as pregnancy is confirmed to ensure a premature baby is covered.