Looking for help?

Browse categories

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
read more

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.
read more

Helpguide

Australian Government Rebate

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

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.
read more

Helpguide

Benefits limit for Extras

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

read more

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:
read more

Helpguide

Complementary Therapies

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

read more

Helpguide

Contracted & Recognised Hospitals

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

Helpguide

Eligibility Guide

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

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?
read more

Helpguide

FAQ: Are there any Benefit limitation periods?

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

Helpguide

FAQ: Can I join?

Police Health is restricted access private health insurer for employed, retired police officers or close relations to one
read more

Helpguide

FAQ: Can I suspend my membership?

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

Helpguide

FAQ: Claim glasses bought from overseas?

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

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.  
read more

Helpguide

FAQ: Covered for travel or accommodation?

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

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.
read more

Helpguide

FAQ: How and when can I pay my premiums?

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

Helpguide

FAQ: How health insurance works in Australia

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

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.
read more

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. 
read more

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).
read more

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.
read more

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.

read more

Helpguide

FAQ: Tax Statements

Good news, Tax Statements are now sent directly to the ATO on your behalf, if for any reason you require an additional copy please contact us 1800 603 603.
read more

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.
read more

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.
read more

Helpguide

FAQ: What if my child needs braces?

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

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.
read more

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.
read more

Helpguide

Glossary of terms

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

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.
read more

Helpguide

Hospital Accommodation

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

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:
read more

Helpguide

Important Information

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

Helpguide

Lifetime Health Cover (LHC) Loading

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

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).
read more

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.
read more

Helpguide

Mobile Claims App

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

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.
read more

Helpguide

Policies, Brochures & Forms

 

Police Health policies can be accessed here

read more

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.
read more

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.
read more

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.
read more

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.
read more

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.
read more

Helpguide

Supporting Your Mental Wellbeing

Understanding the difference between a Counsellor, Psychologist and a Psychiatrist
read more

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)
read more

Helpguide

The Fund Rules

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

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.
read more

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.
read more