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Helpguide

Access Gap Cover

Under Police Health Access Gap Cover you may never have to pay a doctor’s bill.

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Helpguide

Accident and Emergency Facility Fee

Accident and Emergency Facility Fee is charged to patients by private hospitals for the treatment in an accident and emergency department.
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Helpguide

Australian Government Rebate

An incentive whereby you’re offered a Rebate on your private health insurance premiums.
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Helpguide

Benefit

Benefit refers to the amount payable by Police Health to you.
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Helpguide

Benefits limit for Extras

Private health insurers generally calculate an average charge for services and set their benefits based on those amounts.

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Helpguide

Complaints/ Dispute Resolution

At Police Health, we're constantly trying to improve the quality of our products, processes and services.

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Helpguide

Complementary Therapies

Police Health provides benefits for a broad range of recognised Complementary Therapies within extras cover.

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Helpguide

Contracted & Recognised Hospitals

Contracted and Recognised Hospitals

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Helpguide

Eligibility

Police Health is a restricted access health insurer for employees of state, territory or federal police departments and police unions.
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Helpguide

FAQ: Am I covered for all ambulance services?

As a member of Police Health, you’re covered for both emergency and non-emergency ambulance services.

The only exclusions are:

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Helpguide

FAQ: Am I covered for travel or accommodation assistance?

Each state has a government sponsored travel and accommodation assistance scheme...
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Helpguide

FAQ: Are there any Benefit limitation periods?

At Police Health our hospital cover has no benefit limitation periods.

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Helpguide

FAQ: Can I claim for glasses I've bought online from overseas?

I found a great pair of spectacles from an overseas online retailer. Can I claim them on my extras cover?

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Helpguide

FAQ: Can I join?

Police Health is a restricted access health insurer for employees of state, territory or federal police departments and police unions/associations.

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Helpguide

FAQ: Can I suspend my membership?

You can apply to have your membership suspended under certain circumstances.
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Helpguide

FAQ: Counselling Benefits

How do Police Health’s counselling benefits work?

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Helpguide

FAQ: Do excesses apply for hospital stays?

No excesses for hospital stays.

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Helpguide

FAQ: How and when can I pay my premiums?

Premiums can be automatically paid fortnightly by direct debit from your financial institution account.

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Helpguide

FAQ: How health insurance works in Australia

The Australian Government provides certain incentives to encourage all Australians to take out private health insurance.

 

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Helpguide

FAQ: How soon can I claim?

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

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Helpguide

FAQ: I lost my membership card, what can I do?

If your membership card is lost or stolen please notify us immediately so that it can be cancelled and replaced.

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Helpguide

FAQ: Medicare

What do I need to know about Medicare?
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Helpguide

FAQ: Premium Increase

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

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Helpguide

FAQ: Tax Statements

At the end of each financial year private health insurers, including Police Health, issue Private Health Insurance (Tax) Statements to all members

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Helpguide

FAQ: Thinking of having a baby?

Then it’s a good time for you to review your health insurance and make sure you understand what your policy does and doesn’t cover.

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Helpguide

FAQ: What does 'Members Own' mean?

Whenever you see the Members Own symbol next to a health fund logo, you're looking at a fund that values members over profits and works hard to del

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Helpguide

FAQ: What does no exclusions and restrictions mean?

Police Health's hospital cover has no exclusions and no restrictions.
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Helpguide

FAQ: What happens if I change my mind on my cover?

Police Health provides a cooling off period for new members or existing members who change their level of cover. 

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Helpguide

FAQ: What if my child needs braces?

Orthodontics can vary considerably in the period of treatment, cost and how you’re billed.
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Helpguide

FAQ: Why don't you offer different levels of cover?

The nature of health insurance is that you never know what health service you might need or when you might need it.

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Helpguide

Fund Rules

Fund Rules are the rules that set out your rights and responsibilities as a member of Police Health.
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Helpguide

Glossary of terms

Useful definitions of terms
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Helpguide

Hospital 35-day rule

Hospital benefits are payable 365 days a year.
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Helpguide

Hospital Accommodation

Accommodation-Hospital refers to the accommodation included in your hospital cover.
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Helpguide

How to make a claim

Lodging claims with Police Health is easy.

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Helpguide

Important Information

Before taking out private health insurance with Police Health, there is some important information you need to be aware of.

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Helpguide

Lifetime Health Cover (LHC)

LHC is a Government initiative that rewards people who take out private hospital cover early in life.

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Helpguide

Lifetime Health Cover (LHC) Loading

A legislated requirement that encourages you to take out private hospital cover early on in your life. You’re rewarded with lower premiums for taking out cover and maintaining it.
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Helpguide

Medicare Levy Surcharge (MLS)

Most Australian taxpayers are charged a 2% Medicare Levy. However, those who do not have appropriate private hospital cover may have to pay an additional levy called the Medicare Levy Surcharge (MLS).
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Helpguide

Membership Conditions

This website does not contain all Police Health benefit details or conditions of membership.

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Helpguide

Mobile Claims App

Members can claim using our free Police Health Mobile Claiming App! 

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Helpguide

Pharmaceutical benefits

Under extras cover you’re eligible to receive pharmaceutical benefits towards prescription items that are not eligible for subsidy under the Govern

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Helpguide

Policies, Brochures & Forms

 

Police Health policies can be accessed here

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Helpguide

Pre-existing Conditions

If a new member has a pre-existing condition before joining Police Health, they may need to serve a 12-month waiting period under the terms of our

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Helpguide

Pregnancy and private health insurance

If you’re thinking of starting a family, now’s a great time to review your health insurance to make sure you’re happy with, and understand, your co

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Helpguide

Reasons to join

We believe we're the best health insurer for the police community.
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Helpguide

Rollover Benefit

An exciting benefit for Police Health members!
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Helpguide

Standard Information Statements (SIS)

All Australian health funds are required by law to provide Standard Information Statements (SIS) for each product they offer.

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Helpguide

Suspension of Private Health Cover

Under certain circumstances, such as travelling overseas, members may suspend the payment of their premiums for an agreed period of time (condition

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Helpguide

Waiting Periods

Like all private health funds, Police Health has waiting periods for new members, including people transferring from another insurer when taking ou

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Helpguide

Your choice of doctor

We give you freedom to choose.

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