Police Health's hospital cover has no exclusions and no restrictions. What does this mean?

Other funds may apply exclusions (you agree not to be covered at all for certain treatments). For example you may have hospital cover but it excludes joint replacement. 

Other health insurers may apply restrictions (you agree to receive very limited benefits for certain treatments). For example you may be covered for joint replacement only at a public hospital, and if the joint replacement is undertaken in a private hospital, basic accommodation benefits and no theatre fee benefits are paid, leaving your benefit well short of the cost. 

At Police Health our Top Hospital cover has no exclusions and no restrictions.

It’s important to note that all health insurers are governed by the Private Health Insurance Act 2007. This legislation sets out what health insurers can and cannot pay benefits towards. Within the hospital as an inpatient, health insurers can only pay benefits towards treatment and procedures where Medicare pays a benefit. That means for some services, like elective cosmetic surgery, health insurers cannot pay a benefit towards this treatment, and this is not classed as a restriction or an exclusion on a policy.

Helpguide

FAQ: Counselling Benefits

How do Police Health’s counselling benefits work?

read more

Helpguide

FAQ: Premium Increase

Premiums have been reviewed by the Minister for Health and will be increasing as of 1 April 2018.

read more

Helpguide

FAQ: How soon can I claim?

Your cover will start as soon as your application has been approved and relevant premiums are paid. 

read more

Sign up, stay informed.

Keep your finger on the pulse with the latest community events & news, health information and Police Health updates by signing up to receive our free newsletter.