Joining FAQs | Police Health

Police Health is a restricted access private health insurer for:

1. Current Australian police officers, police employees and volunteers of state, territory or federal police departments, police unions and associations. (N.B Whilst training at a police academy/ college you are employed by your state/territory police department, so therefore are eligible to join.)

2. Retired and former police officers, police employees and volunteers of police departments, unions and associations in Australia.

3. In addition, eligibility also extends to the following close relations of the above:

partners, including spouse or defacto
former partners
dependent and adult children (including the partners and dependent children of the adult children)
siblings (including a sibling's partner/spouse, a sibling's dependent child)
parents
grandchildren

Contact us on 1800 603 603 if you are uncertain about your eligibility – we’d be happy to help!

Alternatively, you may be Eligible to join Emergency Services Health

Police Health now offers the same renowned health cover to Australia’s emergency services community, as well as their close relations – through Emergency Services Health.

Eligibility is broader than most think, so if you have any connection to the Emergency Services community (including but not limited to firefighters, paramedics, doctors, nurses, surf life savers, state emergency responders, allied health professionals, or a close relation) you may like to take out cover through Emergency Services Health. Call 1300 703 703 or visit eshealth.com.au for more information.

Let us do the hard work. Our health insurance experts are ready to put together a personalised health insurance comparison for you, to show you how we stack up against any other cover on the market in terms of both price and benefits. Let us know who'd you'd like to compare against, or simply request a comparison against the other most popular options available, and we'll do the rest. Call us on 1800 603 603 or complete our online form.

You won’t need to re-serve waiting periods that you’ve already served with your old fund if you switch to Police Health.

If you’re transferring from another health insurer, we offer continuity of cover which means you won’t serve the same Waiting Periods twice. However, if you’re transferring to us from a lower level of cover, you’ll only be able to claim up to the level you were already covered for until you have served the Waiting Period.

Example:

Sue decides to switch her Gold hospital cover to Police Health. Sue has a $500 Excess that currently applies to claims under her previous policy. As she has served all Gold Hospital Waiting Periods with her current fund she only has to serve Waiting Periods for the level of extra cover provided by her new Police Health policy – in Sue’s case the $500 excess. She receives immediate cover on all other aspects of her Police Health hospital policy.

Yes you can still take out a policy with Police Health, but you will need to serve a 12 month waiting period for pre-exisiting conditions. This does not apply for psychiatric care, rehabilitation or palliative care.

A pre-existing condition is one where signs or symptoms of your ailment, illness or condition existed at any time during the six months preceding the day on which you purchased your insurance or upgraded to a higher level of cover.

A medical practitioner appointed by Police Health (not your own doctor) is the only person authorised to decide that a condition is pre-existing. The practitioner must, however, consider any information regarding signs and symptoms provided by your own treating doctor or specialist.

Further information on waiting periods for pre-existing conditions

Your cover will start as soon as your application has been approved and relevant premiums are paid. Waiting periods may apply so check how this might affect your membership before you join.

A Waiting Period is the period of time you need to be covered before you’re eligible to claim on certain procedures or services. Waiting Periods apply to new or upgraded policies, but if you're switching to Police Health you won’t need to re-serve waiting periods that you’ve already served with your old fund. Our standard Waiting Periods are as follows:

Waiting Periods for Hospital

2 months membership for all benefits, excluding accidents.
12 months membership for pregnancy and birth related (obstetrics) treatment.
12 months membership for pre-existing conditions, excluding psychiatric care, rehabilitation or palliative care.
12 months membership for continuous positive air pressure (CPAP) machines, and goods and services under Non-surgically Implanted Items and Appliances and other aids and appliances, travel and accommodation (general treatment) and home nursing.

Waiting Periods for Extras

2 months membership for all benefits, excluding accidents.
12 months membership for Major Dental (such as crowns, bridges, inlays, indirect fillings and dentures), orthodontic, hearing aids, nebulisers, blood glucose and blood pressure monitors, blood coagulation monitor and for pre existing conditions.
12 months membership for Rollover Benefit and access to Rollover Maximum (2 years for Major Dental).

Waiting Periods for Combined cover (in addition to the above)

3 years membership for corrective laser eye surgery.

Lodging claims with Police Health is easy:

Claim on the spot with your membership card
Take a photo using our App
Submit a claim via our website
Download a claim form to email us