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Helpguide

A guide to blood pressure monitors

A man checks his blood pressure

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Helpguide

Access Gap Cover

Under Police Health's Access Gap Cover you may never have to pay a doctor’s bill. Your doctor can forward all accounts to us and we pay them on your behalf
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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

The amount payable by Police Health to you, in respect of a claim made relating to the provision of health services, or goods by a recognised provider.
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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

Cancer Support Program

Cancer Support Program

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Helpguide

Complaints/ Dispute Resolution

We're constantly trying to improve the quality of our products, processes and services. We can be reached in various ways:
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Helpguide

Complementary Therapies

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

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Helpguide

Contracted Hospitals

We provide cover that represents the highest quality and best value for our members. We have agreements with over 500 hospitals across Australia.
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Helpguide

Eligibility Guide

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: Understanding Optical, Eye Therapy and Eye Surgery Benefits

What is the difference between Optical Benefits, Eye Therapy Benefits and Eye Surgery Benefits?
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Helpguide

FAQ: Am I covered for all ambulance services?

Did you know that to call an ambulance can cost around $900 depending on your state or territory?
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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 join?

Police Health is restricted access private health insurer for employed, retired police officers or close relations to one
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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: Claim glasses bought from overseas?

Sorry, Police Health does not provide cover for any items purchased from overseas. 
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Helpguide

FAQ: Counselling Benefits

As part of our commitment to supporting the mental health and wellbeing of our Members, Police Health offers counselling services in our Extras cover.  
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Helpguide

FAQ: Covered for travel or accommodation?

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

FAQ: Do excesses apply for hospital stays?

We offer top cover with our Gold Hospital and Gold Combined products. These products do not have exclusions also no excess 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: 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: Medicare?

What do I need to know about Medicare? Medicare pays 75% of the Scheduled Fee for medical services provided to people who have been admitted (in-patient).
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Helpguide

FAQ: No exclusions and restrictions mean?

Police Health's hospital cover has no exclusions and no restrictions. Meaning your covered and benefits wont be limited for certain treatments.
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Helpguide

FAQ: Premium Increase

Each year the Minister for Health reviews and approves new private health insurance premiums across the industry, to take effect from 1 April.

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Helpguide

FAQ: Tax Statements

Good news, Tax Statements are sent directly to the ATO on your behalf. If for any reason you require an additional copy please contact us on 1800 603 603.
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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 no excess or no co-payments mean?

If you have an excess of $500, you’ll have to pay the first $500 of the hospital costs on top of anything else not covered by your policy.
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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 no 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

FAQ: Will you pay for my Pilates treatment?

Police Health has never had a benefit structure for Pilates, either as a separate category or under our Complementary Therapy category.
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Helpguide

Glossary of terms

Useful definitions of terms. These terms are what health insurance industries normally use but in a police health context.
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Helpguide

Have you thought about a skin check?

A person receives a skin check

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Helpguide

Healthy Weight For Life Heart Health Program

Prima Heart Health

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Helpguide

Healthy Weight For Life Osteoarthritis Management Program

Osteoarthritis Management Program

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Helpguide

Healthy Weight For Life Type 2 Diabetes Program

Type 2 Diabetes Program

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Helpguide

Hospital 35-day rule

Hospital benefits are payable 365 days a year. If your hospital stay is over 35 days you must get a Acute Care Certificate to keep receiving benefits.
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Helpguide

Hospital Accommodation

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

How diabetes affects your eyes

A man receives an eye test

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Helpguide

How to make a claim

Lodging claims with Police Health is easy. Depending on the service and provider, there are a number of ways to claim which have been listed below:
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Helpguide

How to save money when using your Remedial Massage benefits

A woman receives a back massage

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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

Kayt’s comeback from cancer

Valion Health client, Kayt Howe

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Helpguide

Kieser Osteoarthritis Care Plan

A man and a woman running on a path

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Helpguide

Lifetime Health Cover (LHC) Loading

You’re rewarded with lower premiums for taking out cover and maintaining it.
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Helpguide

Medicare Levy Surcharge (MLS)

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

In the event of any inconsistency between anything on the website and the Fund Rules, it is the Fund Rules which apply in all cases.
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Helpguide

Mobile Claims App

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

New benefit - Group Exercise Physiology

A group of people in an exercise class

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Helpguide

New partnership supports healthy wellbeing

SA Police Legacy and Police Health logos

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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 PBS.
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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.
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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 cover.
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Helpguide

Private Health Information Statement (PHIS)

All Australian health funds are required by law to provide Private Health Information Statement (PHIS) for each product they offer.
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Helpguide

Product enhancements | 2023

Product enhancements | 2023

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Helpguide

Reasons to join

We believe we're the best health insurer for the police community. We're designed for police and a not for profit health insurer.
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Helpguide

Rollover Benefit

An exciting benefit for Police Health members! The Rollover benefit is about carrying over any unused Annual Maximum benefit into the following year.
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Helpguide

Shane's journey to overcoming health challenges

Shane Edwards standing in front of an ambulance

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Helpguide

Supporting Your Mental Wellbeing

Understanding the difference between a Counsellor, Psychologist and a Psychiatrist
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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 (conditions apply)
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Helpguide

The 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

Top performers — three years running!

A person completes a survey on a computer

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Helpguide

Valion Health Cancer Support Program

Valion Health Cancer Support Program

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Helpguide

Waiting Periods

Police Health has waiting periods for new members, including people transferring from another insurer when taking out a higher level of cover.
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Helpguide

What’s the best way to claim an External Breast Prostheses?

A woman wearing a head wrap and smiling

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Helpguide

Your choice of doctor

Choose your preferred hospital, doctor or any other service provider, such as your physiotherapist and dentist, as long as the provider is recognised with us.
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