The vast majority of our members choose to be covered with our Platinum Health cover, why?- because it is Police Health's total health package and gives you the simplicity and claims convenience of an all-in-one, money-saving cover.
Platinum Health is a unique combination of all the security of Top Hospital and all the convenience of SureCover Extras, but at a contribution lower than if you have both of these covers separately. It gives you the advantage of having one package with one fund and ensures that you don't miss out on some vital aspect of health cover.
The hospital component in Platinum Health provides top level cover for your treatment in any registered hospital or day-surgery of your choice anywhere in Australia. This is without any exclusions, excesses or daily co-payments (private or public).
It gives you complete freedom of choice and greater control as to where you are treated, by which doctor, and when you will be treated. Forget about the lengthy waiting lists with possible cancellations that you hear far too often in the public healthcare system, with Platinum Health you're in control of your treatment for both the expected and unexpected. Police Health's products are designed only to give you the best cover, so you can be assured you are looked after when you need it the most. We don't choose to get sick or have accidents, but in the event that something does happen why pay an excess to use your cover, when the hospital component in Platinum Health is excess free.
The extras component in Platinum Health covers many services that are not covered by Medicare, such as dental, optical, physiotherapy and other therapies, also known as 'extras' or 'ancillary' cover. Few health insurers can match our extras benefits for value or number of services available.
You won't be left wondering how much your health insurer will repay on your extras claims. For the majority of services*, Police Health pays a generous 80% of the net cost of the service up to 15% higher than our calculated average cost for the service.
* Police Health only pays benefits for extras services by providers recognised by Police Health who are in private practice in Australia. If you wish to ensure that your provider is recognised and covered by Police Health, try using our provider search or contact us prior to treatment. Please note not all recognised providers are published on the search engine if you can not find a provider please contact Police Health, 1800 603 603.
Annual Maximums & our exclusive Rollover Benefit
The generous Annual Maximums shown on this page are based on calendar year allowances per person unless stated otherwise. On many of these Annual Maximums, we will give you up to two calendar years in which to use them. We call this our Rollover Benefit which allows members to carry unused Annual Maximums, into the next calendar year.
Effectively the Rollover Benefit increases the maximum benefits you can claim in a calendar year by giving you access to unused Annual Maximums remaining from the previous year. Claims are always paid from the relevant service year's Annual Maximums before accessing your Rollover Benefit. If an Annual Maximum is reached in any calendar year, there will be no Rollover Benefit available for the next calendar year.
This highly valued benefit provides you with increased security; imagine your dentist tells you need two crowns! With Police Health you could have up to total of $2400 in benefits available in one calendar year when the Rollover Benefit is accessed. (Subject to years of membership).
For more information on the Rollover Benefit, please see our Rollover Benefit Page. If you wish to clarify whether you are eligible for a Rollover benefit, please give us a call 1800 603 603.
Limit to extras services
To provide equity for all members, limits may apply to some specific extras services relating to their frequency of use, or to the way they are combined with other services. However, this affects very few members because Police Health's restrictions are often far less onerous than those of many other funds. Contact us if you have any queries.
Benefits limit to extras services
Generally health funds have benefit limits for individual services based on what they see as their average charge. However, Police Health recognises charges up to 15% higher than our calculated average, thus ensuring that members do receive a true 80% rebate for the vast majority of health services in most cases.
If your charges are more than 15% above Police Health's average fee, the benefit you receive will be less than 80% of your cost. Our 80% benefit applies to the net amount payable on any account, inclusive of any discounts the provider might be offering at the time.
Benefit for benefit, premium for premium, Police Health's Platinum Health offers great value. Just take a look at what you are covered for in the table below. Compare this with other insurers' top level products and it will be clear that we are comprehensive and offer excellent value;
Waiting periods may apply for further information go to Important Information.